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Membership Emails
Below is a sample of the emails you can expect to receive when signed up to M3 Ins.
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
CMMC Explained: What We Know Now, What's Coming Next, and How to Tackle It All
Join M3 and information security experts from Tetra Defense to explain what the CMMC is, what the DoD is requiring, and how your business can get certified.
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BLOG DIGEST
February 14, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Recent & Relevant
RISK INSIGHT: Monitoring the Impact of Novel Coronavirus (2019-nCoV)
Protect your business and employees by understanding the threat of Novel Coronavirus (2019-nCoV) and knowing how to prevent exposure.
Read more...
RISK INSIGHT: Joint Employer Rules Adopted
The Department of Labor has issued a final rule, effective March 16, 2020, which includes a revised interpretation of joint employer status under the Fair Labor Standards Act.
Read more...
Supply Chain Disruptions Don't Have to Disrupt Your Business
For businesses dependent on supply chains, a bankruptcy at any point in the chain can be disruptive. Protect your business with a proactive approach to managing this financial risk.
Read more...
Deep Dive Into Topics That Impact Your Business
Cannabis and Your Workplace Part 4: Drug Testing
Part four
of M3's six-part blog series on marijuana legalization and its impact on the workplace addresses workplace drug testing policies.
Read more...
Catch up on the rest of the series through the link below...
CANNABIS BLOG SERIES »
Cybersecurity Maturity Model Certification (CMMC) Necessary for Department of Defense Contracts
The DoD recently developed and released the Cybersecurity Maturity Model Certification. Businesses that hope to win a DoD contract need to comply. Read more...
3.3.2020 - Webinar opportunity to learn more... CMMC Explained: What We Know Now, What's Coming Next, and How to Tackle It All
Join M3 and information security experts from Tetra Defense to explain what the CMMC is, what the DoD is requiring, and how your business can get certified. Register now...
Why Your Small Business Needs Solid Strategic Planning
Strategic planning is important for organizations of all sizes. Small businesses should look to the future with a step-by-step plan to achieve their goals. Read more...
3.4.2020 - Seminar opportunity on this topic...
Strategic Planning for the Forward-Thinking Small Business
Join us as we examine strategic planning from every angle and give small business owners the tools they need to create a purposeful strategic plan. Register now...
Additional Seminar & Webinar Offerings
2.20-21.2020OSHA 10-Hour Construction Outreach Course
This 2-day OSHA 10-Hour Construction Industry Outreach Course provides workplace safety and awareness of construction industry safety practices.
Register now...
3.4.2020 Are You FSMA Compliant?
The FaBsafe Certificate® is a four hour program designed to provide food and beverage manufacturers affordable and convenient basic food safety training.
Register now...
3.12.2020Engaging Technology to Drive Workforce Strategy
What does an effective workforce technology strategy look like? Join M3 & guest experts to answer questions on technology for attraction & retention.
Register now...
MORE ON THE M3 BLOG »
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COMPLIANCE
From the M3 Blog
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ACA UPDATE: Deadline Extended for Small Employer Non-ACA Plans
Posted: 2/18/2020
The Centers for Medicare and Medicaid Services (CMS) recently issued a bulletin regarding another extension for small employers that continue to offer non-ACA compliant plans.
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RISK INSIGHT
From the M3 Blog
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OSHA Expands Enforcement of COVID-19 Recordkeeping Requirements to Include Most Employers
Posted: 5/26/2020
OSHA has issued revised enforcement guidance around OSHA recordkeeping requirements related to COVID-19. This overrides previously issued interim guidance.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Overview of the CARES Act
Posted: 3/30/2020
The CARES Act legislation includes financial stimulus and relief provisions for business, government entities and individuals.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
CARES Act Signed Into Law
Posted: 3/27/2020
On Friday, March 27, 2020, President Trump signed the bipartisan Coronavirus Aid, Relief and Economic Security Act (CARES Act) into law.
Read More...
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SEMINARS & WEBINARS
From the M3 Blog
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Compliance Update Webinar: Managing COVID-19 Leave of Absences
This month''s M3 compliance update webinar is dedicated to helping your organization understand its legal obligations when managing leave of absences associated with coronavirus (COVID-19).
Join the call on March 25th at 2:00pm (CST).
Register Today...
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BLOG DIGEST
March 12, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
SPECIAL EDITION ON COVID-19
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
The resource page linked above will be updated regularly with new, relevant information. Bookmark it and check back often.
News and Insights
COVID-19: A Special Message from Your M3 Insurance Team
M3 has taken steps to address the potential spread of COVID-19 while ensuring that our clients experience no disruption in service.
Read more...
Compliance FYI: IRS Guidance for COVID-19
On March 11, 2020 the IRS issued Notice 2020-15 regarding high deductible health plans (HDHPs) and coverage related to COVID-19.
Read more...
RISK INSIGHT: Coronavirus Employer Considerations
For many employers, the main concern of COVID-19 is how to prepare for and handle how such an illness could potentially affect your workplace.
Read more...
COVID-19 Considerations for Schools
COVID-19 has expansive implications for schools. It''s imperative that district leaders clearly understand their roles and the resources at their disposal.
Read more...
RISK INSIGHT: Monitoring the Impact of Novel Coronavirus (2019-nCoV)
Protect your business and employees by understanding the threat of Novel Coronavirus (2019-nCoV) and knowing how to prevent exposure.
Read more...
Visit The M3 BLOG ?
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EMPLOYEE BENEFITS COMPLIANCE UPDATE - From the M3 Blog
DOL Update to FFCRA Regulations
The U.S. Department of Labor has issued revisions to the FFCRA regulations regarding paid sick leave and expanded family and medical leave. Employers should take note and ensure they are still in compliance with the federal law.
Read more...
Creditable Coverage Reminder: Notices Due October 15
Employers are required to notify individuals eligible for Medicare Part D of whether or not their prescription drug plan offers creditable coverage. They must also disclose the same information to the Centers for Medicare & Medicaid Services.
Read more...
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BLOG DIGEST
August 28, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
M3''s ANNUAL HEALTH BENEFITS TREND REPORT IS NOW AVAILABLE!
M3 Releases 2020 Health Benefits Trend Report
The M3 2020 Health Care Trend Report is now available. This annual report provides insight on employer-sponsored health plans.
GET THE REPORT ?
Recent & Relevant
Support Employees in a Non-Traditional Back-To-School Season
Your employees are likely dealing with the stress and uncertainty of various back-to-school scenarios for their children. As an employer, you can take steps to support them during this difficult time.
Read more...
Will a Homeowner’s Policy Cover a Multi-Family Micro School?
If you are planning on hosting a multi-family micro school environment this year it’s important that you understand the risks and liability you may be taking on.
Read more...
Webinar Offerings
09.02.2020 Food Defense Refresher: Protect Your Product, the Public and Your Brand
Developing, implementing and evaluating a food defense plan involves a systematic approach. Join M3 & WMEP to review the Intentional Adulteration Rule.
Register now...
VISIT THE M3 BLOG ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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CYBER MONTH DIGEST
October 30, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
OCTOBER IS CYBERSECURITY AWARENESS MONTH!
Throughout the month M3 has posted a series of articles about today’s hot topics in cyber exposures, culminating in the release of an exclusive video conversation with our cyber partner, Tetra Defense. The video and articles, compiled here, include information to help you proactively protect your business from a cyber attack.
Be(a)ware of these 2020 Cybersecurity Exposures
M3’s Emily Selck and Nathan Little from Tetra Defense discuss the most pertinent cybersecurity risks your organization faces in 2020.
Access the Video...
Be(a)ware of Cybersecurity Exposures: Social Engineering
Social engineering has wreaked havoc for many U.S. businesses, with the attacks often entering through seemingly legitimate emails.
Read more...
Be(a)ware of Cybersecurity Risk: Business Email Compromise
Business Email Compromise risk includes emails from seemingly known sources making legitimate requests for money or goods. Businesses lose millions to these crimes annually.
Read more...
Be(a)ware of Cybersecurity Risk: Ransomware
Ransomware is making headlines as one of the most ubiquitous risks companies and individuals face today, but resources are available to help prevent and manage this exposure.
Read more...
ADDITIONAL CYBER INSIGHTS ?
For more M3 insights to help your business, visit the M3Blog.
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EMPLOYEE BENEFITS
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
In this recorded conversation, Karen Breitnauer J.D. and Jeff Christensen dive into the frequently asked questions surrounding the FFCRA and the CARES Act.
LISTEN NOW...
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COMPLIANCE UPDATE - From the M3 Blog
FFCRA: W2 Reporting Requirement
IRS Notice 2020-54 requires employers to report the amount of wages paid to employees under the Families First Coronavirus Relief Act (FFCRA) on Form W-2 or a separate statement.
Read More...
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BUSINESS INSURANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
COVID-19 Cybersecurity Update:
Phishing, Ransomware, and Health Care Attacks
Posted: 3/26/2020
M3 has called on Tetra Defense, our trusted cyber incident response partner, to offer our clients insight into the world of COVID-19 cybersecurity.
Read More...
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BLOG DIGEST
December 4, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Recent & Relevant
Self-Care Isn’t Selfish: Help Employees Prioritize Wellness
During this time, your employees may put their personal health on the backburner as they care for others. Remind them that self-care isn''t selfish.
Read more...
Public Entities: On the Front Lines of Cyber Exposure
Many organizations are falling victim to cyber crimes in today''s business climate, but public entities face additional risk—and pressure.
Read more...
Service Line Damaged? As a Homeowner You May Have To Pay
Homeowner responsibilities include the upkeep of curb-to-home utility lines. Don''t be caught off guard by damage to a vital home service line.
A recently issued federal rule on price transparency in regard to group health plans includes requirements for carriers, third-party administrators and employers.
Read more...
VISIT THE M3 BLOG ?
We understand that transitioning your team to working from home comes with its own unique challenges. To make it a bit simpler, M3 has developed a set of resources for employers and employees that address the questions our clients are asking most.
M3 WORK-FROM-HOME SERIES ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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BLOG DIGEST
October 9, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
OCTOBER IS CYBER LIABILITY AWARENESS MONTH!
Be(a)ware of Cybersecurity Exposures: Ransomware
Ransomware is making headlines as one of the most ubiquitous risks companies and individuals face today, but resources are available to help prevent and manage this exposure.
Read more...
Recent & Relevant
Wisconsin Limits Public Gatherings
Wisconsin has issued Emergency Order #3 limiting public gatherings to no more than 25 percent of a room or building’s total occupancy.
Read more...
How Home Security Systems Affect Homeowner’s Insurance
Home security systems provide peace of mind, but they also can lower the cost of your homeowner’s insurance through the discounts some carriers offer.
Read more...
Industry Specific Communications
PODCAST: Developer Strategy on Multifamily Property Rate Increase
This podcast covers what multifamily housing developers and owners can do to control their insurance rates and get the best terms.
Read more...
Contractor Pollution Liability Insurance 101
Thorough review, discussion, and a solid risk management plan is needed to properly manage your pollution liability risk as a contractor. M3 can help.
Read more...
Social Media Can Affect Employee Engagement and Culture
In a highly regulated industry such as senior living and social services, employers should document their expectation that employees follow professional best practices on social media.
Read more...
VISIT THE M3 BLOG ?
We understand that transitioning your team to working from home comes with its own unique challenges. To make it a bit simpler, M3 has developed a set of resources for employers and employees that address the questions our clients are asking most.
M3 WORK-FROM-HOME SERIES ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
FFCRA Guidance Issued by DOL
Posted: 3/25/2020
The Department of Labor has issued preliminary guidance regarding the Families First Coronavirus Response Act, clarifying many provisions in the original bill.
Read More...
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BLOG DIGEST
June 12, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Highlighted Tools & Resources
M3''s Health Tracker App Helps Clients Ensure Safer Workplaces
M3''s new Health Tracker app is a mobile-friendly, easy-to-use tool that enables employees to certify they''re healthy, free of COVID-19 symptoms, and ready to be in the workplace.
Read more...
RECORDING: Legal Considerations and Testing Strategies for Maintaining a Safe Workplace
As you prepare to reopen your workplace, this recording from M3 and Godfrey & Kahn offers insights to help you determine your next steps.
Watch now...
M3''s Property & Casualty Market Outlook (Post COVID-19)
M3''s has released a Property & Casualty Market Outlook Report that highlights key information about the hardening P&C market and how it could affect your organization.
Read More...
Additional M3 Insights
ACA UPDATE: Overview of PCORI Fee for 2020
M3''s compliance team has compiled an updated PCORI fee overview for 2020. The applicable dollar amount for the fee is adjusted annually to reflect inflation in national health expenditures.
Read more...
The Importance of Umbrella Liability
Umbrella liability insurance can help protect you, your household, and your assets if a negative event occurs for which you are held financially liable.
Read more...
RECORDED WEBINAR SERIES Tech Talks: Prepare, Protect and Position Long Term Care
M3 and Tetra Defense recently partnered on a five-part recorded webinar series addressing key cyber considerations and concerns for the long term care industry. Session topics include ransomware, telemedicine, the current cyber liability coverage market, and considerations surrounding remote work capabilities.
Access Recordings...
M3''s Return-to-Work Toolkit includes recorded sessions and corresponding resources, covering the four main pillars for re-opening your business after the COVID-19 shutdown.
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
And as always, our COVID-19 Business Resources page offers valuable information and updates while our Industry-Specific Resources page addresses unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
VISIT THE M3 BLOG ?
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BLOG DIGEST
November 6, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Recent & Relevant
IRS Announces Health FSA Limits for 2021
The IRS has released Revenue Procedure 2020-45, officially maintaining the maximum Health Flexible Spending Account (FSA) contribution limits for 2021.
Read more...
Risk Insight: Carbon Monoxide – The Quiet Killer
Carbon monoxide exposure can be hazardous to human health. Know the warning signs in order to keep your home and workplace safe.
Read more...
Project Loss Insurance: What Contractors Need to Know
A sizeable construction project loss can lead to damaging business impairment or worse – complete failure. Protect your projects, and your profits.
Read more...
PERSONAL LINES: Prevent Frozen Pipe Water Damage
Frozen pipes create huge home damage risks. During a severe cold spell, sprinkler or water pipes can freeze, burst, and produce devastating losses.
Read more...
VISIT THE M3 BLOG ?
We understand that transitioning your team to working from home comes with its own unique challenges. To make it a bit simpler, M3 has developed a set of resources for employers and employees that address the questions our clients are asking most.
M3 WORK-FROM-HOME SERIES ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
Contact Us | Privacy Policy | Unsubscribe 800.272.2443
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RISK INSIGHT
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
COVID-19 Workplace Exposures and OSHA Recordkeeping
Posted: 3/16/2020
While OSHA specifically exempts employers from recording incidents of employees contracting "common colds and the flu" in the workplace, the agency has determined that COVID-19 is not exempt.
Read More...
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RISK INSIGHT
From the M3 Blog
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RISK INSIGHT: Coronavirus HR Considerations
Posted: 3/4/2020
For many employers, the main concern of COVID-19 is how to prepare for and handle how such an illness could potentially affect your workplace.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
FFCRA Signed Into Law
Posted: 3/19/2020
The FFCRA has been signed into law in response to the COVID-19 pandemic. This law addresses emergency paid leave and additional FMLA provisions for employers with 1 to 500 employees.
Read More...
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BUSINESS INSURANCE
From the M3 Blog
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WCRB Adds Rule to Address Wages Paid to Furloughed Employees
Posted: 4/2/2020
WCRB''s Rule V.H.7 clarifies guidance regarding wages paid to furloughed employees during this time, and the effect on workers'' compensation insurance.
Read More...
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WORK-FROM-HOME RESOURCES
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
We understand that transitioning your team to work from home comes with its own unique challenges. To make it a bit simpler, M3 has developed a set of resources for employers and employees that address the questions our clients are asking most.
PODCAST: How to Build Culture, Lead and Grow with a Remote Team
Work-from-Home: Workers’ Compensation Exposures
How To Choose Secure Vendors and Protect Your Data
5 Must-Ask Questions on Cybersecurity & Exposure
Home Network Security Best Practices
Not Every Virus Can Be Prevented By Working from Home
Setting Up a Safe Workspace When Working from Home
Mental Health + Wellness Strategies to Support a Remote Workforce
RECORDING: Work From Home Compliance Considerations
M3 WORK-FROM-HOME SERIES ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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BLOG DIGEST
July 2, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
M3 offices will be closed Friday, July 3rd in observance of Independence Day.
Recent & Relevant
ACA Update: HHS Issues New Section 1557 Nondiscrimination Rule
The U.S. Department of Health & Human Services has issued a new final rule regarding Section 1557 of the Affordable Care Act (ACA).
Read more...
Subcontractor Default Insurance (SDI): An Alternative for General Contractors
Savvy general contractors leverage insurance to protect their work knowing that, without protection, subcontractor default could be devastating to a project.
Read more...
Long-Term Disability Coverage Doesn''t Adequately Protect High Wage Earners
Many organizations offer group long-term disability coverage, but few realize that this benefit just isn''t enough to protect high wage earners. The professionals at M3 Financial can help you identify, and close, the gap.
Read more...
VISIT THE M3 BLOG ?
M3''s Return-to-Work Toolkit includes recorded sessions and corresponding resources, covering the four main pillars for re-opening your business after the COVID-19 shutdown.
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
And as always, our COVID-19 Business Resources page offers valuable information and updates while our Industry-Specific Resources page addresses unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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BLOG DIGEST
September 11, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
M3''s ANNUAL HEALTH BENEFITS TREND REPORT IS NOW AVAILABLE!
M3 Releases 2020 Health Benefits Trend Report
The M3 2020 Health Care Trend Report is now available. This annual report provides insight on employer-sponsored health plans.
GET THE REPORT ?
M3 Work from Home Resources
We understand that transitioning your team to work from home comes with its own unique challenges. To make it a bit simpler, M3 is developing a set of resources for employers and employees that address the questions our clients are asking most.
Setting Up a Safe Workspace When Working From Home
M3 offers resources to help employers assist employees in setting up an ergonomic and physically safe workspace at home.
Read more...
Mental Health + Wellness Strategies to Support a Remote Workforce
The social isolation of the COVID-19 pandemic can create or accelerate mental health issues. Employers are well served in finding ways to support the mental well-being of their remote workforce.
Read more...
RECORDING: Work From Home Compliance Considerations
M3''s senior compliance attorney covers compliance considerations surrounding employees working from home in this webinar recording.
Watch now...
Stay tuned for content on upcoming topics such as: cybersecurity, workers’ compensation, and maintaining culture while working from home.
Recent & Relevant
September is Life Insurance Awareness Month
Does your organization know about key person life insurance? It can be the difference between a business surviving or failing after a key person’s death.
Read more...
Employer COVID-19 Screenings: Record Retention & Wage & Hour Responsibilities
Although employee screening for COVID-19 is allowed under the guidelines of both the Americans with Disabilities Act (ADA) and Occupational Safety and Health Act (OSHA), there are compliance requirements that employers must keep in mind.
Read more...
Defense Symposium Recap: A Conversation with Attorneys
Following this year’s Annual Defense Symposium, M3 provides a recap of key points from a discussion between a plaintiff attorney and a defense attorney about long term care industry litigation.
Read more...
VISIT THE M3 BLOG ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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April 3, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
And for dedicated insight and tools to help you manage the unique risks your business
faces around the COVID-19 pandemic, check out:
Industry-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
REGISTER NOW ?
A SPECIAL WEBINAR INVITATION:
Unpack the CARES Act Paycheck Protection Loan Program
Join The Council for Insurance Agents & Brokers (CIAB) and their legal team at Steptoe & Johnson for a webinar on
Monday, April 6, 10:30am (central time),
to uncover the ins and outs of the new small business forgivable loan program. Learn what companies are eligible, how to apply, and the factors to consider in evaluating whether to participate in the program.
FFCRA & the CARES Act: New Legislation That Impacts Your Business
WEBINAR RECORDING: FFCRA Guidance and CARES Act Provisions
M3''s senior compliance attorney covers provisions of the FFCRA and the CARES Act that apply to your employment practices in this recorded webinar.
Read more...
Overview of the CARES Act
The CARES Act legislation includes financial stimulus and relief provisions for business, government entities and individuals.
Read more...
DOL Provides FFCRA Clarification
The Department of Labor has released further guidance on the Families First Coronavirus Recovery Act (FFCRA), including greater detail for employers on how to apply provisions of the law.
Read more...
CARES Act and Retirement Plans: What You Need to Know
The recently passed CARES Act legislation provides relief to retirement plan participants in a number of ways.
Read more...
Additional COVID-19 Insight for Your Business
Payroll Allocation Guidance for Workers'' Compensation
WCRB''s Rule V.H.7 clarifies guidance regarding wages paid to furloughed employees during this time, and the effect on workers'' compensation insurance.
Read more...
WEBINAR RECORDING: Healthcare Readiness for the COVID-19 Pandemic
M3 reached out to health delivery system leaders to weigh in on healthcare readiness for COVID-19. Watch the webinar recording to gain insight from this conversation.
Read more...
Visit The M3 BLOG ?
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RISK INSIGHT
From the M3 Blog
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Respiratory Protection Considerations for Health Care Exposures to COVID-19
Posted: 3/18/2020
Hospitals and senior living & social services providers should be aware of guidance provided by OSHA and DHS on respiratory protection and PPE.
Read More...
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May 29, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
RECORDING: Legal Considerations and Testing Strategies for Maintaining a Safe Workplace
As you prepare to reopen your workplace, this recording from M3 and Godfrey & Kahn offers insights to help you determine your next steps.
Watch now...
M3''s Return-to-Work Toolkit includes recorded sessions and corresponding resources, covering the four main pillars for re-opening your business after the COVID-19 shutdown.
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
And as always, our COVID-19 Business Resources page offers valuable information and updates while our Industry-Specific Resources page addresses unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
Recent COVID-19 Insights
OSHA Expands Enforcement of COVID-19 Recordkeeping Requirements to Include Most Employers
OSHA has issued revised enforcement guidance around OSHA recordkeeping requirements related to COVID-19. This overrides previously issued interim guidance.
Read more...
CMS Clarifies Extension of Deadlines for Group Health Plans
Centers for Medicare and Medicaid Services (CMS) has released updated guidance on a previously issued rule regarding deadline extensions for certain group health plans due to COVID-19.
Read more...
Webinar Offerings & Recordings
May/June Webinar Series: Tech Talks: Prepare, Protect and Position Long Term Care
M3 and Tetra Defense are partnering on a five-part recorded webinar series addressing key cyber considerations and concerns for the long term care industry.
Register for remaining sessions now...
Listen to first three sessions:
Ransomware Prevention Strategies for Long Term Care (5/13)
Best Practices Following Ransomware Event (5/20)
Transition Into Telemedicine (5/27)
RECORDING: May Webinar Series: Supporting Schools Through COVID-19
M3 recently presented a four-part webinar series focusing on addressing the considerations and concerns schools should take into account in light of COVID-19.
Listen to four sessions:
Health Care and Risk Management Best Practices for Schools (5/5)
Wellness and Mental Health Resources for Employees and the Community (5/12)
Managing Compliance as a School District (5/19)
Looking Forward – COVID-19 Implications for Employee Benefits and Property Insurance (5/26)
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April 24, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
The resource page linked above will be updated regularly with new, relevant information. Bookmark it and check back often.
COVID-19 Insight for Your Business
Evaluate Your Cybersecurity Risk: Free Ransomware Stress Test
Cyber threat actors are using the COVID-19 pandemic to lurk in business networks. Take a free self-assessment to evaluate your organization''s risk of attack.
Read more...
IRS Offers FFCRA FAQs on Paid Leave Tax Credits
The IRS has issued a set of FAQs regarding FFCRA paid leave tax credits. M3''s compliance team reviews several of the key points for employers.
Wisconsin, Minnesota, Illinois & Michigan are adopting different approaches in regard to their COVID-19 response and workers'' compensation. M3 breaks down the updates for those states.
Read more...
OSHA Relaxes Enforcement of Recordkeeping Requirements for COVID-19 Cases
OSHA clarified COVID-19 is a recordable illness if infection occurs in the course of work-related duties, but employers need only record cases where certain criteria is met.
Read more...
Webinar Offerings
4.29.20 Compliance Update Webinar: FFCRA and CARES Act
Rely on M3 and our senior compliance attorneys for the most accurate, up-to-date compliance information. This month''s topic is: FFCRA & CARES Act.
Register now...
WEBINAR: Employee Benefits Captive Solution
M3 Insurance invites you to explore the value of an employee benefits group captive. Please click below to register for one of two webinar offerings on this topic:
5.19.20 Session
5.21.20 Session
VISIT THE M3 BLOG ?
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October 23, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
OCTOBER IS CYBER LIABILITY AWARENESS MONTH!
Be(a)ware of Cybersecurity Exposures: Social Engineering
Social engineering has wreaked havoc for many U.S. businesses, with the attacks often entering through seemingly legitimate emails.
Read more...
Be(a)ware of Cybersecurity Risk: Business Email Compromise
Business Email Compromise risk includes emails from seemingly known sources making legitimate requests for money or goods. Businesses lose millions to these crimes annually.
Read more...
Be(a)ware of Cybersecurity Risk: Ransomware
Ransomware is making headlines as one of the most ubiquitous risks companies and individuals face today, but resources are available to help prevent and manage this exposure.
Read more...
Recent & Relevant
ACA 2020 Reporting Deadline Extension
The IRS has extended the ACA reporting deadline for employers to provide Form 1095-C to individuals. Due dates to file the forms with the IRS remain unchanged.
Read more...
Managing Reputational Risk During the COVID-19 Pandemic
How your organization is handing the COVID-19 pandemic could affect your professional brand. Understand the associated reputational risks you face during this time.
Read more...
Vacant Property Concerns Amid the COVID-19 Pandemic
A vacant property presents particular exposures with the changing seasons, including physical damage potential or diminished coverage.
Read more...
How to Protect Your Stored Boats and Automobiles Over Winter
These tips can help you prepare to store your boat or automobiles safely for the winter season. Reach out to your M3 Private Client Group team to discuss the specifics of your unique situation.
Rely on M3 and our senior compliance attorneys for the most accurate, up-to-date compliance information. This month’s topic is: 2020 W2 and ACA Reporting & ACA Refresher.
Register now...
VISIT THE M3 BLOG ?
We understand that transitioning your team to working from home comes with its own unique challenges. To make it a bit simpler, M3 has developed a set of resources for employers and employees that address the questions our clients are asking most.
M3 WORK-FROM-HOME SERIES ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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May 1, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
The resource page linked above will be updated regularly with new, relevant information. Bookmark it and check back often.
Recent COVID-19 Insights
Regional Stay-at-Home Updates
States throughout the Upper Midwest have recently issued updates to their stay-at-home orders, including extended dates and/or changes to essential business rules.
Read more...
Risk Insight: Considerations for Choosing a Restoration Company
As many businesses consider reopening after the COVID-19 pandemic, providing a clean and safe facility is a priority. Remember to practice good risk transfer methods if hiring an outside restoration company.
Read more...
Evaluating Water Systems & Equipment Before Re-Opening After Shutdown
A thorough evaluation of your facility''s water systems and equipment is important before reopening when stay-at-home orders are lifted. M3 offers guidance to help you perform this crucial check.
Read more...
Personal Cyber Security Toolkit
With increased online activity due to COVID-19, protecting personal cyber security is as critical as ever. Take steps to check yourself and engage additional layers of protection with this toolkit from the Private Client Group professionals at M3.
Read more...
FOUR-PART WEBINAR SERIES RECORDINGS
M3 and MRA have partnered on a four-part recorded webinar series. The series covers key components of re-opening your business after the COVID-19 pandemic. Here are the first two:
Lead Yourself and Others through Change
Communication Principles to Inform & Engage Employees
Parts 3 & 4 will be released next week.
Webinar Offerings
May Webinar Series: Supporting Schools Through COVID-19
Join M3 for a series of webinars focused on addressing the considerations and concerns schools should take into account in light of COVID-19.
Register now...
WEBINAR: Employee Benefits Captive Solution
M3 Insurance invites you to explore the value of an employee benefits group captive. Please click below to register for one of two webinar offerings on this topic:
5.19.20 Session
5.21.20 Session
VISIT THE M3 BLOG ?
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September 25, 2020
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M3''s COVID-19 IMPACT ON HEALTH CARE REPORT IS NOW AVAILABLE!
M3’s COVID-19 Impact on Health Care report offers employers insight on how the pandemic is affecting the health insurance and employee benefits market.
GET THE REPORT ?
This report is a supplement to our annual Health Benefits Trend Report, which provides insight on market trends in employer-sponsored health plans.
Stay Compliant
Wisconsin Governor Extends Mask Mandate
The Wisconsin governor has issued an emergency order extending the statewide mask mandate until November 21, 2020. Employers should review the new order and understand how it will affect operations.
Read more...
Creditable Coverage Reminder: Notices Due October 15
Employers are required to notify individuals eligible for Medicare Part D of whether or not their prescription drug plan offers creditable coverage. They must also disclose the same information to the Centers for Medicare & Medicaid Services.
Read more...
Compliance FYI: Annual Notice Requirements
Open enrollment is the perfect time to share required annual notices. M3 has complied a list of notices that plan sponsors should ensure plan participants receive.
Read more...
DOL Update to FFCRA Regulations
The U.S. Department of Labor has issued revisions to the FFCRA regulations regarding paid sick leave and expanded family and medical leave. Employers should take note and ensure they are still in compliance with the federal law.
Read more...
OSHA COVID-19 Inspections – What to Expect, How to Prepare
Since COVID-19 hit the U.S. workforce OSHA inspections have continued as normal, and they now include issues pertaining to the pandemic. Know what to expect and how to prepare as an employer.
Read more...
M3 Work from Home Resources
We understand that transitioning your team to work from home comes with its own unique challenges. To make it a bit simpler, M3 is developing a set of resources for employers and employees that address the questions our clients are asking most.
5 Must-Ask Questions on Cybersecurity & Exposure
Home Network Security Best Practices
Not Every Virus Can Be Prevented By Working from Home
M3 WORK-FROM-HOME SERIES ?
Stay tuned for content on upcoming topics such as: workers’ compensation and maintaining culture while working from home.
Webinar Offerings
09.30.2020 Compliance Update Webinar: Preparing for 2021- Plan Limits, Notices, ACA Information
Rely on M3 and our compliance attorneys for the most accurate, up-to-date compliance information. This month’s topic is: Preparing for 2021 - Plant Limits, Notices and ACA Information.
Register now...
VISIT THE M3 BLOG ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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COMPLIANCE UPDATE - From the M3 Blog
WI OCI Bulletin: Sex Discrimination
The Office of the Commissioner of Insurance in the State of Wisconsin (OCI) has issued a bulletin prohibiting discrimination in health beneftis based on a person''s gender identity.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
IRS Bulletin for FFCRA Payroll Credits
Posted: 3/23/2020
Recently released IRS Bulletin 2020-57 informs employers that they can begin taking advantage of payroll credits as required by the Families First Coronavirus Relief Act (FFCRA).
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
FFCRA: House Passes Legislation
Posted: 3/16/2020
The U.S. House of Representatives has passed the Families First Coronavirus Response Act which includes provisions related to "Emergency Paid Leave" areas of the Family Medical Leave Act.
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EMPLOYEE BENEFITS COMPLIANCE UPDATE - From the M3 Blog
ACA 2020 Reporting Deadline Extension
The IRS has extended the ACA reporting deadline for employers to provide Form 1095-C to individuals. Due dates to file the forms with the IRS remain unchanged.
Read more...
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July 31, 2020
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Recent & Relevant
Wisconsin Issues Mask Mandate
The Governor of Wisconsin has issued a statewide mask mandate, effective August 1st, requiring individuals to wear face coverings when in enclosed public spaces.
Large employers should note that the ACA affordability calculation will increase to 9.83% in 2021. This impacts coverage for plan years beginning on or after 1/1/21.
Read more...
CPRM: Why Your Personal Lines Broker Should Have It
A CPRM designation is one surefire way to tell that your personal insurance advisor has the experience you need. Does your personal lines broker have one?
Bringing providers and attorneys together to help you manage risk. Join us for a candid discussion about litigation in the long term care industry.
Register now...
09.02.2020 Food Defense Refresher: Protect Your Product, the Public and Your Brand
Developing, implementing and evaluating a food defense plan involves a systematic approach. Join M3 & WMEP to review the Intentional Adulteration Rule.
Register now...
PRE-RECORDED Compliance Update Webinar: Current Regulatory Updates – Supreme Court Ruling and Updated FFCRA Guidance
Bringing providers and attorneys together to help you manage risk. Join us for a candid discussion about litigation in the long term care industry.
Watch now...
VISIT THE M3 BLOG ?
M3''s COVID-19 Business Resources page offers valuable information and updates surrounding the pandemic. And the Industry-Specific Resources page addresses the unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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WEBINAR RECORDING
From the M3 Blog
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FFCRA Guidance and CARES Act Provisions for Your Organization
Posted: 4/1/2020
M3''s senior compliance attorney covers provisions of the FFCRA and the CARES Act that apply to your employment practices in this recorded webinar.
Read More...
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March 27, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
The resource page linked above will be updated regularly with new, relevant information. Bookmark it and check back often.
Latest News and Insights
WI Issues "Safer at Home" Order, Defines Essential Businesses
Wisconsin has issued an emergency order including detailed "Safer at Home" guidance and defining which industries meet the "essential businesses" criteria.
Read more...
COVID-19 Exposure Guidance
As an employer, it''s important to know the steps you should take to protect your entire organization if an employee tests positive for COVID-19.
Read more...
FFCRA Guidance Issued by DOL
The Department of Labor has issued preliminary guidance regarding the Families First Coronavirus Response Act, clarifying many provisions in the original bill.
Read more...
WEBINAR RECORDING: Managing COVID-19 Leave of Absences
Access a recording of M3''s 3.25.20 compliance webinar session to better understand the legal obligations of managing COVID-19 leave of absences.
Read more...
COVID-19 Cybersecurity Update: Phishing, Ransomware, and Health Care Attacks
M3 has called on Tetra Defense, our trusted cyber incident response partner, to offer our clients insight into the world of COVID-19 cybersecurity.
Read more...
Food Delivery Drivers: Personal Policies and Commercial General Liability Coverage
The OCI is providing guidance regarding coverage for delivery drivers during the COVID-19 pandemic which impacts both personal insurance and property & casualty coverage.
Read more...
COVID-19 Effects on Supply Chain
For manufacturers and food processors, the concern surrounding COVID-19 is multi-faceted. M3 has compiled a few helpful resources regarding its effect on the supply chain and distribution.
Read more...
COVID-19 Considerations for Food and Agribusiness
Defined as "essential businesses", food and agribusiness employers should review their workplace policies and procedures, and stay informed of changes that affect them.
Read more...
Employer Considerations for Group Retirement Plans
Understanding the nuances of your organization''s retirement plan can help you make sound decisions on behalf of your business and employees.
Read more...
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July 17, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Recent & Relevant
COVID-19’s Impact on Mental Health, How Employers Can Help
It’s important for employers to understand the impact of the COVID-19 pandemic on their employees’ mental health, and to look for opportunities to offer support.
Read more...
FFCRA: W2 Reporting Requirement for Wages
IRS Notice 2020-54 requires employers to report the amount of wages paid to employees under the Families First Coronavirus Relief Act (FFCRA) on Form W-2 or a separate statement.
Read more...
ACA: Supreme Court Contraceptive Coverage Ruling
The U.S. Supreme Court has ruled to uphold expanded exemptions from the contraceptive coverage mandate of the Affordable Care Act. The exemptions were originally issued in 2017.
Read more...
WI OCI Bulletin: Sex Discrimination
The Office of the Commissioner of Insurance in the State of Wisconsin (OCI) has issued a bulletin prohibiting discrimination in health benefits based on a person’s gender identity.
Read more...
VISIT THE M3 BLOG ?
M3''s Return-to-Work Toolkit includes recorded sessions and corresponding resources, covering the four main pillars for re-opening your business after the COVID-19 shutdown.
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
And as always, our COVID-19 Business Resources page offers valuable information and updates while our Industry-Specific Resources page addresses unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
WI Issues "Safer at Home" Order, Defines Essential Businesses
Posted: 3/24/2020
Wisconsin has issued an emergency order including detailed "Safer at Home" guidance and defining which industries meet the "essential businesses" criteria.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
IRS Guidance for COVID-19
Posted: 3/11/2020
On March 11, 2020 the IRS issued Notice 2020-15 regarding high deductible health plans (HDHPs) and coverage related to COVID-19.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Federal FFCRA FAQ Released
Posted: 4/15/2020
A recently released FAQ from the federal government helps employers further understand their coverage requirements as a result of the FFCRA and the CARES Act.
Read More...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
DOL Provides FFCRA Clarification
Posted: 3/30/2020
The Department of Labor has released further guidance on the Families First Coronavirus Recovery Act (FFCRA), including greater detail for employers on how to apply provisions of the law.
Read More...
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March 6, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Recent & Relevant
RISK INSIGHT: Coronavirus Employer Considerations
For many employers, the main concern of COVID-19 is how to prepare for and handle how such an illness could potentially affect your workplace.
Read more...
Cyber Liability Landscape in 2020
2020 is shaping up to be another important year for cyber trends – and cyber liability insurance and protection continues to evolve.
Read more...
ACA UPDATE:
Deadline Extended for Small Employer Non-ACA Plans
The Centers for Medicare and Medicaid Services (CMS) recently issued a bulletin regarding another extension for small employers that continue to offer non-ACA compliant plans.
Read more...
Identifying Identity Theft and Tips for Identity Theft Protection
Tax season often correlates with a increase in identity theft incidents. During this time, it is important to be extra vigilant with your personal information.
Read more...
Exploring Health Captive Solutions
VIDEO INTRODUCTION: Health Captives with M3
Jason Nordby, M3''s Director of Employee Benefits Captives, provides an introduction to this innovative solution of health captives in a short video.
WATCH VIDeO ?
SEMINAR OPPORTUNITIES - LEARN MORE ABOUT HEALTH CAPTIVE SOLUTIONS
4.22.20 in GREEN BAY: Register...
5.12.20 in ROCKFORD, IL: Register...
5.14.20 in LA CROSSE: Register...
5.19.20 in STEVENS POINT: Register...
5.21.20 in MILWAUKEE: Register...
Additional Educational Opportunities
3.12.20 Engaging Technology to Drive Workforce Strategy
What does an effective workforce technology strategy look like? Join M3 and guest experts to answer questions on technology for attraction and retention.
Register now...
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Large employers should note that the ACA affordability calculation will increase to 9.83% in 2021. This impacts coverage for plan years beginning on or after January 1, 2021.
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RETURN-TO-WORK TOOLKIT
Your Workforce After COVID-19
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
The conversation around COVID-19 has evolved to include considerations and best practices for re-opening businesses to employees and customers. Your actions as an employer can affect your staff, your customers, and your community. M3 recently partnered with MRA - The Management Association to create a four-part recorded webinar series to offer insight and guidance during this transition. These recordings are the cornerstone of a new resource for you, M3''s Return-To-Work Toolkit.
M3''s Return-to-Work Toolkit includes recorded sessions
and corresponding resources, covering the four main pillars for
re-opening your business after the COVID-19 shutdown.
WATCH THE RECORDINGS BY CLICKING ON THE ICONS BELOW:
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
The toolkit also provides easy-to-use resources to help navigate new procedures and protocol.
Find flowcharts, guides and logs to help keep your employees safe while getting your business back on track.
Exposure Scenario Flowcharts
Communications Guide
Employee Health Check Log
Even in the best of situations, different industries face different challenges.
The COVID-19 pandemic is no exception.
M3''s Industry-Specific Resource page was developed to help you navigate COVID-19 information and resources for your unique business needs.
INDUSTRY-SPECIFIC RESOURCES ?
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COMPLIANCE
From the M3 Blog
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WEBINAR RECORDING: Managing COVID-19 Leave of Absences
Posted: 3/25/2020
Access a recording of M3''s 3.25.20 compliance webinar session to better understand the legal obligations of managing COVID-19 leave of absences.
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BLOG DIGEST
April 10, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
And for dedicated insight and tools to help you manage the unique risks your business faces around the COVID-19 pandemic, look here:
USEFUL RESOURCES BY INDUSTRY
Education and Government - Construction & Real Estate -
Manufacturing & Distribution - Senior Living & Social Services GUIDES - CHECKLISTS - LOGS - INDUSTRY-SPECIFC GUIDANCE
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
COVID-19 Insight for Your Business
DOL Provides Further FFCRA Guidance
The DOL provided important clarifications to the temporary FFCRA regulations it issued on April 1st. M3''s compliance team summarized this additional guidance for you.
Read more...
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BUSINESS INSURANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Wisconsin Stay-at-Home Order Overturned
Posted: 5/14/2020
The Wisconsin Supreme Court has overturned most of Wisconsin''s Emergency Order #28, which had extended the "Safer at Home" order for the entire state. This ruling is effective immediately.
Read More...
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BLOG DIGEST
May 15, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
M3''s Return-to-Work Toolkit includes recorded sessions and corresponding resources, covering the four main pillars for re-opening your business after the COVID-19 shutdown.
Change Management
Communication & Engagement
Facility & Workplace Safety
Rebuilding & Reimagining Culture
RETURN-TO-WORK TOOLKIT ?
And as always, our COVID-19 Business Resources page offers valuable information and updates while our Industry-Specific Resources page addresses unique needs and concerns of certain industries.
COVID-19 Business ReSOURCES ?
INDUSTRY-SPECIFIC RESOURCES ?
The resource pages linked above will be updated regularly with new, relevant information. Bookmark them and check back often.
Recent COVID-19 Insights
Wisconsin Stay-at-Home Order Overturned
The Wisconsin Supreme Court has overturned most of Wisconsin''s Emergency Order #28, which had extended the "Safer at Home" order for the entire state. This ruling is effective immediately.
Read more...
Section 125: Flexibility for Election Changes and FSAs/DCAPs During COVID-19
The IRS has issued Notice 2020-29 regarding Section 125 mid-year election changes for employer sponsored health coverage, medical FSAs and DCAPs.
Read more...
Talent Attraction and Retention in the Time of COVID-19
Employers are facing a "war for talent" as they compete to attract and retain skilled workers against historically high unemployment rates caused by the COVID-19 pandemic.
Read more...
Group Health Plans: Deadline Extensions Due to COVID-19
U.S. federal agencies have published a new rule regarding deadline extensions for certain group health plans due to COVID-19. M3 summarizes the provisions and the specific relief offered.
Read more...
FOUR-PART WEBINAR SERIES RECORDINGS
M3 and MRA have partnered on a four-part recorded webinar series. The series covers key components of re-opening your business after the COVID-19 pandemic. Listen to the recordings:
Lead Yourself and Others through Change (5/1)
Communication Principles to Inform & Engage Employees (4/30)
Returning to the Workplace - Employee Safety and Facility Considerations (5/5)
Re-engaging in the New Normal (5/7)
Webinar Offerings
May/June Webinar Series: Tech Talks: Prepare, Protect and Position Long Term Care
M3 and Tetra Defense are partnering on a five-part recorded webinar series addressing key cyber considerations and concerns for the long term care industry.
Register for remaining sessions now...
Listen to first session, recorded 5/13:
Ransomware Prevention Strategies for Long Term Care
May Webinar Series: Supporting Schools Through COVID-19
M3 presents a four-part webinar series focused on addressing the considerations and concerns schools should take into account in light of COVID-19.
Register for remaining sessions now...
Listen to first two sessions:
Health Care and Risk Management Best Practices for Schools (5/5)
Wellness and Mental Health Resources for Employees and the Community (5/12)
WEBINAR: Employee Benefits Captive Solution
M3 Insurance invites you to explore the value of an employee benefits group captive. Please click below to register for one of two webinar offerings on this topic:
5.19.20 Session Registration
5.21.20 Session Registration
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BUSINESS INSURANCE
From the M3 Blog
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Food Delivery Drivers: Personal Policies and Commercial General Liability Coverage
Posted: 3/23/2020
The OCI is providing guidance regarding coverage for delivery drivers during the COVID-19 pandemic which impacts both personal insurance and property & casualty coverage.
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BLOG DIGEST
April 17, 2020
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
This Week''s Update of COVID-19 Resources for Your Business
The emergence and spread of Coronavirus (COVID-19) has caused heightened concern from employers.
As you work to stay informed on how to best protect your employees and your business, M3 is here to help.
Our COVID-19 business resources page offers valuable information and updates in one central location.
COVID-19 Business ReSOURCES ?
The resource page linked above will be updated regularly with new, relevant information. Bookmark it and check back often.
M3 Professionals Answer Your FFCRA and CARES Act Questions
In this recorded conversation, Karen Breitnauer J.D. and Jeff Christensen dive into the frequently asked questions surrounding the FFCRA and the CARES Act.
Access Recording...
FAQs – FFCRA and CARES Act (PDF)
Additional COVID-19 Insight for Your Business
Federal FFCRA FAQ Released
A recently released FAQ from the federal government helps employers further understand their coverage requirements as a result of the FFCRA and the CARES Act.
Read more...
Wisconsin Passes COVID-19 Response Bill
Wisconsin Act 185 helps codify federal legislation provisions from the FFCRA and the CARES Act into state law and offers several new provisions for organizations to follow during the COVID-19 pandemic.
Read more...
Wisconsin Extends Safer at Home Order
Governor Evers has extended Wisconsin''s "Safer at Home" order until May 26th, with slightly altered rules for residents and businesses.
Read more...
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COMPLIANCE
From the M3 Blog
FOR BUSINESSESFOR INDIVIDUALSABOUT USCLIENT RESOURCESBLOG
Section 125: Flexibility for Election Changes & FSAs/DCAPs During COVID-19
Posted: 5/13/2020
The IRS has issued Notice 2020-29 regarding Section 125 mid-year election changes for employer sponsored health coverage, medical FSAs and DCAPs.
Read More...
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COMPLIANCE
From the M3 Blog
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ACA UPDATE: Overview of PCORI Fee for 2020
Posted: 6/10/2020
.
M3''s compliance team has compiled an updated PCORI fee overview for 2020. The applicable dollar amount for the fee is adjusted annually to reflect inflation in national health expenditures.
Read More...
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Consolidated Appropriations Act of 2021 Overview
On December 27, 2020, President Trump signed the Consolidated Appropriations Act of 2021 into law. This legislation includes important provisions to the Families First Coronavirus Relief Act (FFCRA), as well as changes to the Paycheck Protection Program (PPP) that may affect your organization.
Karen Breitnauer, director of employee benefits compliance at M3, breaks down what you need to know in our latest compliance alert.
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Consolidated Appropriations Act of 2021: Temporary Special Rules for FSAs
One of the provisions of the Consolidated Appropriations Act of 2021 includes temporary special rules for Health and Dependent Care Flexible Spending Arrangements (known as flexible spending accounts or FSAs) that may affect your organization. The rules are designed to provide additional flexibility due to the ramifications of the COVID-19 pandemic.
Karen Breitnauer, director of employee benefits compliance at M3, breaks down what you need to know in our latest compliance alert.
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January 8, 2021
COVID-19 Vaccine Information for Employers
Preparing for the COVID-19 Vaccine: Employer Considerations Each day, there are advancements in the race to approve and deploy an effective COVID-19 vaccine. Now is the time for employers to consider how their organization will handle deployment of the vaccine.
Watch the Webinar Recording ?
Read the FAQs ?
Compliance Alerts Consolidated Appropriations Act of 2021
Consolidated Appropriations Act of 2021: Overview The Consolidated Appropriations Act of 2021 was signed into law by President Trump on December 27, 2020. This omnibus bill includes normal government appropriations and legislation designed to address challenges created by the COVID-19 pandemic. Read More ?
Consolidated Appropriations Act of 2021: Temporary Special Rules for FSAs One of the provisions of the Consolidated Appropriations Act of 2021 includes temporary special rules for Health and Dependent Care Flexible Spending Arrangements (known as flexible spending accounts or FSAs) which expand on previous rules. The rules are designed to provide additional flexibility due to the ramifications of the COVID-19 pandemic. Read More ?
Upcoming Compliance Webinar
1.12.21Prepare for 2020 Employer Reporting: 1094C/1095C M3''s Director of Employee Benefits Compliance, Karen Breitnauer, JD will cover the ins and outs of your 2020 Affordable Care Act (ACA) reporting responsibilities in this informative webinar. Read More ?
Recent & Relevant
2021 Cyber Outlook
M3''s 2021 Cyber Outlook reviews 2020 cyber liability market highlights and helps organizations anticipate what is in store for 2021. Read More ?
Risk Management Strategies for Civil Unrest and Rioting
Solid risk management practices can help you determine the best course of action when faced with civil unrest. Ted Hayes breaks down steps you can take to protect your organization. Read More ?
OSHA has released the new Site-Specific Targeting (SST) directive, which replaces the SST-16. M3''s Risk Management Team shares the key changes you need to be aware of. Read More ?
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