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
Compliance | Employee Benefits

NONDISCRIMINATION RULES FOR BENEFIT PLANS

Many employee benefits are excluded from employees’ gross income and, thus, are not taxable when specific conditions are met. One of these conditions is often some type of nondiscrimination requirement, which ensures that the benefit plan does not discriminate in (…)

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MJ Foundation
Volunteers organizing a large collection of children's books on a table in a community space, with several individuals engaged in sorting and preparing the books for distribution. The room features educational materials and certificates on the walls, highlighting a collaborative effort to promote literacy.
PUBLISHED October 23rd, 2025

Empowering People to Reach Their Full Potential Through Literacy

Britni Shrout

When Vivian immigrated to the United States, she could not read and speak English confidently. This language barrier affected nearly every aspect of her …

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Risk Management
Close-up view of three stacked laptops showcasing their ports, including USB-C, HDMI, and USB-A, on a cardboard background, illustrating modern laptop connectivity options.
PUBLISHED October 21st, 2025

Bricking Coverage in Cyber Insurance

The MJ Companies

Bricking is a type of cyberattack that renders a device unusable, effectively making it a “brick.” It targets hardware—disabling computers, tablets, hard drives, phones …

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MJ Foundation
Two young girls proudly display their trophies at a sports event, wearing colorful tie-dye shirts. The girl on the left holds a crown-topped award, while the girl on the right smiles with a blue trophy. In the background, other children are engaged in activities, showcasing a lively atmosphere.
PUBLISHED October 16th, 2025

Supporting Families Impacted by Pediatric Life-Threatening Diseases 

Britni Shrout

Every year, 500,000 children in the United States face life-threatening medical conditions. Amanda Hope was one of them. With a smile that lit up …

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Pharmacy
Stacks of white pharmaceutical tablets on a background of U.S. dollar bills, symbolizing the intersection of healthcare and financial considerations in the pharmaceutical industry.
PUBLISHED October 14th, 2025

TrumpRx Overview

Anu Dhamecha

On September 30, the TrumpRx.gov website was launched to promote transparency and affordability in prescription drug pricing by offering a direct-to-consumer discount platform aligned …

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Compensation and Total Rewards
Person using a laptop with financial icons, including a money bag, calculator, and graphs, symbolizing online financial management and analysis.
PUBLISHED October 7th, 2025

2026 Salary Increase Budget Trends

Julie Bingham

Each year, our Total Rewards + Compensation Consulting practice keeps a close eye on reported trends in annual salary increase budgets. The research and …

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Benefits+
Close-up view of classical architectural columns with fluted design and stone steps, highlighting the texture and details of the structure.
PUBLISHED October 3rd, 2025

Colorado Private Plan Maintenance Fee

The MJ Companies

The Colorado Department of Labor and Employment (CDLE) wrapped up its most recent round of changes to the Private Plan Regulations (7 CCR 1107-5), …

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News and Updates
Aerial view of First and Main, showcasing a residential community with well-planned streets, green spaces, and modern architecture. The image features the First and Main logo prominently, emphasizing the community's identity and layout.
PUBLISHED October 1st, 2025

The MJ Companies and Cooper Risk Advisors Partner to Serve Niche Businesses

The MJ Companies

INDIANAPOLIS (October 1, 2025) – The MJ Companies, a leading financial services firm for nearly 60 years, and Cooper Risk Advisors, a privately held …

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News and Updates
Professional woman smiling confidently with arms crossed, wearing a black blazer and teal blouse, set in a modern office environment. Ideal for business and career-related content.
PUBLISHED September 30th, 2025

The MJ Companies Hires Melinda Eckard as Vice President, Employee Benefits Operations

The MJ Companies

INDIANAPOLIS (Sept. 30, 2025) – The MJ Companies, a leading financial services firm for nearly 60 years, is proud to announce the addition of …

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Risk Management
Wooden gavel resting on a pile of hundred-dollar bills, symbolizing legal proceedings and financial matters.
PUBLISHED September 23rd, 2025

THE RISING RISK OF NUCLEAR VERDICTS IN MANAGEMENT LIABILITY LITIGATION

The MJ Companies

Nuclear verdicts, which refer to exceptionally high jury awards, have become increasingly common. Several factors have contributed to this trend, including a shifting litigation …

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Benefits+
United States Capitol building exterior with prominent dome, steps, and columns under a blue sky with clouds.
PUBLISHED September 18th, 2025

Gag Clause Prohibition and Attestation Requirement

DeAnn Deck

Effective in 2020, the Consolidated Appropriations Act, 2021 (CAA) prohibits health plans and health insurance issuers from entering into contracts with health care providers, …

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Benefits+
Close-up view of the United States Capitol dome, showcasing its architectural details and ornate columns against a partly cloudy sky.
PUBLISHED September 17th, 2025

HHS Releases Hardship Exemption Guidance for Catastrophic Coverage

DeAnn Deck

On Sept. 4, 2025, the U.S. Department of Health and Human Services (HHS) issued guidance describing circumstances under which individuals who are enrolling in …

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Risk Management
Abstract digital circuit board with security padlock icons, symbolizing cybersecurity and data protection.
PUBLISHED September 16th, 2025

U.S. Average Breach Cost Hits Record High of $10.22 Million

The MJ Companies

The average cost of a data breach in the U.S. soared to an all-time high of $10.22 million, even as the global average cost …

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