Minnesota Paid Family & Medical Leave (PFML): Employer requirements for 2026

Learn what Minnesota employers need to know about PFML. Coverage, payroll tax, deadlines, and an 8-step action plan to prepare for 2026.

Employee Benefits

5 challenges to tackle for 2026 open enrollment

Rising health care costs and shifting employee needs make 2026 open enrollment complex. Learn 5 key challenges and how employers can prepare.

Employee Benefits

Five strategies for reducing workers' compensation costs

Discover five OSHA-based strategies to lower workers’ compensation costs, improve safety programs, and protect your business from rising insurance expenses.

Business Insurance

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Aging buildings - electrical systems

As the exterior and interior components of a building begin to wear, aging system scan fail, including electrical systems. Electrical systems must be well-maintained, otherwise they can become severe hazards to buildings and their inhabitants.

Business Insurance

Business

90-Day waiting period limit

Beginning in 2014, the Affordable Care Act (ACA) prohibits group health plans and group health insurance issuers from applying any waiting period that exceeds 90 days. This waiting period limit does not require an employer to offer coverage to any particular employee or class of employees, including part-time employees. It only prevents an otherwise eligible employee (or dependent) from having to wait more than 90 days before coverage under a group health plan becomes effective.

Employee Benefits

Benefits

Antique and classic car insurance

Since classic and antique vehicles are all so different, your insurance coverage will be specific to your vehicle and how often you plan to use it. There are many considerations which you and Christensen Group Insurance will discuss while creating a policy to suit your classic car.

Personal Insurance

Personal

5 Strategies for reducing health benefits costs in 2021

Health benefits costs are almost certainly going to rise in 2021. They’ve been trending upward for years—over 50% in the last decade, according to the Kaiser Family Foundation—and the current state of economic uncertainty over COVID-19 won’t slow things down. Realistically, after enduring months of business closures and managing exhausted workforces, many employers will be lucky to maintain uninterrupted operations.

Employee Benefits

Benefits

Agencies issue No Surprises Act and Transparency Rule FAQs

On Aug. 20, 2021, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) issued frequently asked questions (FAQs) regarding the implementation of the No Surprises Act and transparency provisions of the Consolidated Appropriations Act, 2021 (CAA).

Employee Benefits

Benefits

The importance of builders risk insurance

While being involved in the construction process for a new building or structure is exciting, it also carries numerous risks. Fortunately, that’s where builders risk insurance can help. Here’s an overview of what builders risk insurance covers, how it works and who needs it.

Business Insurance

Business

Paying plan expenses with plan assets

Some retirement plan expenses can be paid for with plan assets — but many can’t. Which are the “reasonable and necessary” retirement plan expenses that can be paid out of plan assets?

Retirement Planning

Retirement

COBRA subsidy expiration notice

The American Rescue Plan Act (ARPA) provides COBRA premium assistance to eligible individuals and imposes notice requirements on health plans. One such requirement is that plans must notify eligible individuals about when their premium assistance ends, and whether they may be eligible for regular COBRA coverage or coverage under another group health plan.

Employee Benefits

Benefits

Liabilities of renting your home

If you are considering renting out your home, take the following considerations to heart before doing so. In this article, you will learn the renting to do's and how to protect your personal property.