MJ Insight

Explore MJ Insight, where we cover trending topics, provide industry insights, and keep you up-to-date on the latest compliance regulations.

Compliance
Benefits+ | Compliance

Q1 CHECK-IN: STATE EMPLOYEE LEAVE LAW DEVELOPMENTS

In line with recent years, 2026 has so far been an active one for employee leave laws at the state level. Since the beginning of the year, brand-new paid family and medical programs have been launched in Delaware and Minnesota, (…)

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MJ Foundation
Group of diverse young adults wearing orange "Kind Vibes Only" t-shirts, standing in a dance studio with wooden floors, promoting positivity and teamwork.
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+
United States Capitol building in Washington, D.C., featuring its iconic dome and statue on top, surrounded by clear blue skies and trees. The image highlights the architectural grandeur and historical significance of the Capitol, a symbol of American democracy.
PUBLISHED September 20th, 2024

EBSA Releases Updated Cybersecurity Guidance for Employee Benefit Plans

DeAnn Deck

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+
View of the U.S. Capitol building framed by marble columns, with an American flag in the foreground and lush greenery surrounding the iconic structure.
PUBLISHED September 17th, 2024

Pay-or-Play Affordability Percentage Will Increase for 2025

DeAnn Deck

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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News and Updates
Logo of MJ with a badge indicating "Big I Best Practices Agency 2024," symbolizing recognition in industry excellence and standards.
PUBLISHED September 10th, 2024

THE MJ COMPANIES NAMED A 2024 BEST PRACTICES AGENCY

The MJ Companies

The MJ Companies retained its Best Practices status for 2024, joining an elite group of independent insurance agencies from across the United States.   The …

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Benefits+
Dome of the U.S. Capitol building in Washington, D.C., with a plane flying in the background on a cloudy day.
PUBLISHED September 6th, 2024

Increased Civil Penalty Amounts for SBC, MSP, HIPAA Violations

DeAnn Deck

On Aug. 8, 2024, the U.S. Department of Health and Human Services (HHS) published a final rule increasing key penalties affecting group health plans. …

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Risk Management
Stock market chart displaying candlestick patterns, trend lines, and moving averages on a blue background, illustrating market fluctuations and trading analysis.
PUBLISHED September 3rd, 2024

Commercial Property/Casualty Market Index Q2/2024

The MJ Companies

Signs of softened property and casualty market conditions were evident in Q2 2024, according to The Council of Insurance Agents & Brokers’ quarterly survey. …

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Benefits+
United States Capitol building in Washington, D.C., featuring its iconic dome and statue on top, surrounded by clear blue skies and trees. The image highlights the architectural grandeur and historical significance of the Capitol, a symbol of American democracy.
PUBLISHED August 30th, 2024

Upcoming Deadline: MLR Rebates

DeAnn Deck

Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not …

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Risk Management
Analytics dashboard displaying traffic sources overview with pie chart and visitors graph, highlighting direct traffic, search engines, and referring sites, alongside visitor statistics. Coffee cup in the background.
PUBLISHED August 27th, 2024

The Truth About Captives

Byron Shultz

More control and greater potential for financial reward are two benefits of captives. But you may be wondering if it’s worth making the switch. …

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Benefits+
View from the Supreme Court steps featuring classical columns, with the American flag flying and the U.S. Capitol building visible in the background surrounded by trees.
PUBLISHED August 23rd, 2024

2025 Changes – Medicare Part D Creditable Coverage

DeAnn Deck

Employers sponsoring any size group health plan that provides prescription drug coverage are not required to offer creditable coverage, but they are required to …

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MJ Foundation
A mother holding her baby outdoors, with a soft-focus background featuring a river and distant structures, showcasing a warm, nurturing moment. The mother has short hair and wears a patterned blouse, while the baby is dressed in a red jacket, gazing curiously.
PUBLISHED August 20th, 2024

Opportunity Is Out There

Britni Shrout

In the heart of communities across the globe, there are stories of resilience and hope that often go unheard. These are the stories of …

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Risk Management
Close-up of a padlock resting on a laptop keyboard, symbolizing digital security and data protection. The image features a vibrant color contrast with a focus on cybersecurity themes.
PUBLISHED August 13th, 2024

Drafting Your Cybersecurity Dream Team: A Playbook for Cyber Quick Response (CQR)

Carol Scully

Gearing up for the forthcoming football season, it’s time to channel that energy into fortifying your business against cyber threats. Just like a football …

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News and Updates
Portrait of a smiling woman in a red turtleneck, representing the Outstanding Women in Business initiative by the Denver Business Journal, highlighting female leadership and achievements in the business sector.
PUBLISHED August 6th, 2024

Colorado Market President Named “Outstanding Women in Business” by Denver Business Journal 

The MJ Companies

At MJ, we embrace innovation and aim to raise standards — a mission embodied wholeheartedly by Courtney Hutchison, our esteemed Colorado Market President. Reflecting …

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