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It's time to raise your expectations.

We put your future in focus by visualizing your data, identifying trends, and giving you actionable insight.

Get a Glimpse into the Future

Your data tells the story of your business. As MJ’s proprietary analytics tool, APERTURE can help bring your data into focus so you can understand the past—and forecast what’s to come.

Learn more

WHAT WE DO

Risk Management

Optimizing your risk management strategy is a crucial part of achieving your business goals. Our team can get you there.

MJ BENEFITS+

Our Benefits+ programs are designed to go beyond standard solutions, providing a comprehensive and fully customized approach to employee benefits consulting that prioritizes the health, happiness, and success of your employees. 

PERSONAL INSURANCE

Personal insurance can be in impersonal business, but not at MJ. We work hard to help you plan for the future and protect what matters most.

Why MJ

Driven by passion.

Inspired through leadership.

Fueled by curiosity.

Pushed by determination.

Empowered by innovation.

Focused on fun.

November Compliance Webinar: Annual Limits for HSAs, Health FSAs, & DCAPs

Thursday, November 14, 2024

The IRS provides several options for tax-favored reimbursement of different expenses, but the rules vary significantly between benefit options. Some accounts are subject to contribution limits, while others are subject to reimbursement limits. And then to complicate things further, some limits apply on a calendar year basis, while others are tied to the employer’s plan year. This webinar will clarify the 2025 annual limits, and how they apply to each type of benefit, including when there is a change in plan year or short plan year, or when employees join mid-year.

register here

NAVIGATING THE FINAL RULE: UNDERSTANDING NQTL REQUIREMENTS AND MENTAL HEALTH PARITY

Wednesday, November 20, 2024

This past September, the Departments of Labor (DOL), Treasury, and Health and Human Services released the final rule for the Mental Health Parity and Addiction Equity Act (MHPAEA). As these agencies increase compliance audits, self-insured plan sponsors, along with their third-party service providers, face challenges in developing their plans’ NQTL analyses.

The new regulations require self-funded plans to collect specific data and conduct a thorough evaluation to assess the impact of NQTLs on mental health benefits compared to medical benefits under the plan.

Join this reFRAME webinar for a refresher on the Mental Health Parity Comparative Analysis and NTQL Requirements as well as what organizations should expect from the recently released final regulations. Speakers will also provide potential resources that may be able to assist your organization in complying with the upcoming requirements.

Register here

December Compliance Webinar: End of the Year Benefits Wrap-Up

Thursday, December 12, 2024

As 2024 is coming to an end, we’d like to highlight some of the important employee benefits compliance issues and changes that have taken place during the year and then look forward to developments expected in 2025 that may impact your benefit plans.

register here

What’s On Our Minds

Risk Management
PUBLISHED October 22nd, 2024

Data, Data, and More Data Privacy Requirements:

Carol Scully

In today’s rapidly advancing digital landscape, technology and artificial intelligence (AI) are transforming the way businesses operate. But with these advancements come new challenges—especially …

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Benefits+
PUBLISHED October 21st, 2024

IRS Expands List of Preventive Care Benefits for HDHPs

Ann Poland

The IRS has expanded the list of preventive care benefits permitted to be provided by an HDHP without a deductible. If you administer a …

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Risk Management
PUBLISHED October 15th, 2024

Navigating Environmental Risks After Natural Disasters

The MJ Companies

After a natural disaster has passed, the challenges businesses face are often just beginning. Although property damage, injuries and business interruptions directly caused by …

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Benefits+
PUBLISHED October 14th, 2024

Telehealth Relief Permitting HSA Eligibility Set to Expire 2025

Ann Poland

To encourage individuals to avoid hospitals when appropriate during the COVID-19 health crises, Congress passed relief permitting coverage for telehealth services before satisfying the …

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MJ Foundation
PUBLISHED October 8th, 2024

BRINGING JOY TO CHILDREN IN THEIR TOUGHEST BATTLES

Britni Shrout

Imagine sitting in a hospital room, just a day before your child’s fifth birthday, hearing the words that no parent ever wants to hear—a …

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Benefits+
PUBLISHED October 1st, 2024

Employer Considerations for Navigating Election Season 

Ann Poland

Election season can be a fraught time for employers. Employers are often faced with the challenge of fostering a culture of open communication while …

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MJ Foundation
PUBLISHED September 24th, 2024

There’s More to Their Story

Britni Shrout

The story begins in Ethiopia on July 21, 2006, the day Gabriel Chufamo Deely was born. Shortly after, Gabriel was adopted by the Deely …

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Benefits+
PUBLISHED September 20th, 2024

EBSA Releases Updated Cybersecurity Guidance for Employee Benefit Plans

Ann Poland

Through Compliance Assistance Release No. 2024-01, the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) is confirming that the cybersecurity guidance it issued …

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Benefits+
PUBLISHED September 17th, 2024

Pay-or-Play Affordability Percentage Will Increase for 2025

Ann Poland

On Sept. 6, 2024, the IRS released Revenue Procedure 2024-35 to index the contribution percentage in 2025 for determining the affordability of an employer’s …

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Contact

Indianapolis

Location

571 Monon Blvd.
Suite 400
Carmel, IN 46032

Telephone: (317) 805-7500
Fax: (317) 805-7515

Phoenix

Location

3900 E. Camelback Rd.
Suite 225
Phoenix, AZ 85018

Telephone: (602) 772-3300
Fax: (602) 772-3349

Denver

Location

201 Columbine St.,
Suite 300
Denver, CO 80206

Telephone: (720) 354-3861
Fax: (317) 805-7515