--- title: R&R Insurance Blog description: R&R Insurance, Wisconsin's largest independent insurance agency, is a great place to work for many reasons. 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[Tweet](https://twitter.com/share) ![Storm Chasing Contractors](https://www.myknowledgebroker.com/hs-fs/hubfs/Storm%20Chasing%20Contractors.png?width=1536&height=1024&name=Storm%20Chasing%20Contractors.png) (And What to Watch for When Contractors Come Knocking) When a major storm rolls through Wisconsin, hail, wind or tornado, it’s not long before contractors start showing up in neighborhoods offering to help. Some are reputable. Some are not. A new Wisconsin law (2025 Act 230) was passed to protect homeowners from the risks that can come with post-storm repairs, especially when it comes to insurance claims and contractor agreements. At R&R Insurance, we want to break this down in plain terms so you know what to expect and how to protect yourself. --- ## Why This Law Was Created After large storm events, it’s common for out-of-town contractors often referred to as “storm chasers” to move into affected areas. In some cases, these contractors: - Offer to “handle your insurance claim” - Promise to cover your deductible - Ask you to sign documents that transfer control of your claim These situations can lead to: - Unexpected out-of-pocket costs - Disputes with your insurance company - Contracts you didn’t fully understand This new law is designed to prevent that. --- ## What Contractors Can No Longer Do ### They Can’t Waive Your Deductible If a contractor tells you: > “Don’t worry about your deductible. We’ll take care of it” That’s now illegal. Even offering discounts or incentives that effectively cover your deductible is prohibited. --- ### They Can’t Act as Your Insurance Negotiator Contractors are no longer allowed to: - Represent you in discussions with your insurance company - Negotiate your claim on your behalf That role belongs to you and, if needed, licensed professionals like public adjusters. --- ## The Biggest Change: Assignment of Benefits (AOB) One of the most important parts of this law deals with something called an **“assignment of benefits.”** This is when a homeowner signs a document allowing a contractor to: - Receive payment directly from the insurance company - Take control of certain parts of the claim ### What’s Changed? Under the new law: - Contractors **can still be paid directly** (as a co-payee on a check) - But they **cannot fully take over your insurance rights** More importantly, any agreement like this now requires: - A clear breakdown of work and pricing - A written warning that you are giving up certain rights - Transparency about what is (and isn’t) guaranteed to be covered --- ## You Now Have a 5-Day “Out” If you sign an agreement with a contractor after a storm, you now have: **Five business days to cancel it | no penalty** This gives you time to: - Review the contract - Talk with your insurance advisor - Get a second opinion There is one exception: true emergency repairs needed to prevent further damage (like stopping active water intrusion). --- ## What This Means for You as a Homeowner This law gives you more protection but it doesn’t replace good decision-making. Here are a few practical tips: ### Do: - Contact your insurance advisor early in the process - Get multiple opinions on repair work - Read every document before signing ### Be cautious if a contractor: - Shows up unsolicited after a storm - Pushes you to sign something immediately - Says they’ll “handle everything” with your insurance - Mentions covering your deductible --- ## Where R&R Insurance Fits In Storm claims can move quickly, and decisions made in the first few days matter. Our role is to help you: - Understand your coverage - Navigate the claims process - Avoid costly missteps with contracts or vendors We’re not here just when things go wrong we’re here to make sure you’re set up correctly before and after a loss. --- ## Final Thought Not every contractor knocking on your door is a problem but the reality is, some situations can create more risk than homeowners realize. This new law is a step toward better transparency and protection. The rest comes down to having the right guidance when you need it. --- If you have questions about a recent storm, a claim, or a contractor agreement, our team is here to help. [The 2025 Wisconsin Act 230 was published April 9, 2026 and can be viewed here.](https://docs.legis.wisconsin.gov/2025/related/acts/230) ## [After a Decade of Declines, Wisconsin School Workers’ Comp Rates Are Rising in 2026](https://www.myknowledgebroker.com/blog/after-a-decade-of-declines-wisconsin-school-workers-comp-rates-are-rising-in-2026) Posted by [Brian McEvoy](https://www.myknowledgebroker.com/blog/author/brian-mcevoy) - [Tweet](https://twitter.com/share) ![work comp for wi schools 2026 3](https://www.myknowledgebroker.com/hs-fs/hubfs/work%20comp%20for%20wi%20schools%202026%203.png?width=716&height=358&name=work%20comp%20for%20wi%20schools%202026%203.png) WisconsinWorkers Compensation Rate Change October 1, 2025 Effective October 1, 2025, Wisconsin employers saw yet another overall rate decrease in workers' compensation. The overall rate reduction of 3.20% was notably less than reductions over the previous years, but still a reduction, nonetheless. This rate reduction marks the 10th consecutive year of a workers' compensation rate reduction for the state of Wisconsin. These reductions have been largely driven by wage growth, better than expected loss experience along with a reduction in claims frequency. Looking specifically at schools, overall, they have benefited from the rate reductions in the past 10 years, but effective October of 2025 saw a notable rate increase. There are two main class codes in which associates employed by schools are assigned. Teachers and administrative staff would be attached to code 8868 (School: Professional Employees & Clerical). The rate in this code is down over 31% since 2016 as detailed in the chart below, but for 2025 it will see an increase of just under 8%. ![](https://www.myknowledgebroker.com/hs-fs/hubfs/image-png-Feb-16-2026-09-06-22-9834-PM.png?width=703&height=469&name=image-png-Feb-16-2026-09-06-22-9834-PM.png) The other primary class code used by schools is 9101 (School: All Other Employees). This classification would include maintenance and custodial staff. Below you will find the rate change trend for this class which outlines an overall 34% reductionsince 2015. However, again for 2025 this class code will see a notable increase of over 6%. ![image-png-Feb-16-2026-09-06-34-2098-PM](https://www.myknowledgebroker.com/hs-fs/hubfs/image-png-Feb-16-2026-09-06-34-2098-PM.png?width=696&height=467&name=image-png-Feb-16-2026-09-06-34-2098-PM.png) After a Decade of Declines, Wisconsin School Workers’ Comp Rates Are Rising in 2025 and 2026. Workers’ compensation premium is calculated by taking the payroll within a class code, multiplied by the corresponding rate and dividing by 100. (Payroll* Rate) / 100 = Premium (1,000,000 * 0.41) / 100 = $4,100 With the 2025 Wisconsin workers' compensation rate reduction far less significant than in years past it appears we could be approaching the end of the rate reduction trend. For 2025/2026 there are many notable classes including schools that are facing a rate increase for the first time in many years. This change in trend should come as a warning to all organizations they could be facing an increase in workers' compensation premiums in the months to come. In an effort to control workers’ compensation premiums continued focus on overall risk management and experience modification management are critical to managing long-term costs. R&R Insurance has a great track record of working with clients closely to educate them on the nuances of the workers’ compensation system. See the [Wisconsin School Risk & Safety Scorecard](https://www.myknowledgebroker.com/hubfs/Wisconsin%20School%20Risk%20%26%20Safety%20Scorecard.pdf) to find out how well your district rates. Should you have any questions regarding the rate changes effective October 1st, 2025, please reachout to R&R Insurance for additional information. We be happy to walk you through these changes in more detail and outline how they will impact your school district. Topics: [Schools](https://www.myknowledgebroker.com/blog/topic/schools), [workers comp](https://www.myknowledgebroker.com/blog/topic/workers-comp) ## [🏡 Inside the Fight for Housing Affordability in Wisconsin](https://www.myknowledgebroker.com/blog/inside-the-fight-for-housing-affordability-in-wisconsin) Posted by [Mike Paddock](https://www.myknowledgebroker.com/blog/author/mike-paddock) - [Tweet](https://twitter.com/share) If I had only kept the camera's rolling post interview, they would have captured the essense of Paul and David's podcast in one line. David Belman said something to the effect of how his company was simply doing their best for everyone: the customer, the community and the business when Paul's demeanor became serious, > *"For all the year's I've been around the home building business, I have to say, Southeast Wisconsin really has an ethical group residential developers. You don't see that in every community." * I chastised him, "*Paul, where was that line in the interview?*" The room erupted in laugher. ### The Cost of Regulation and Why It Matters Housing affordability isn’t just an economic issue it’s a community issue that affects every Wisconsin family, builder and local government. In the latest episode of **Land Development Focus**, host **Paul Seitz** sat down with **David Belman**, President of **Belman Homes**, to discuss the rising cost of homebuilding, the impact of regulations, and how builders across our state are working to keep the American Dream within reach. During his time as President of the Wisconsin Builders Association, Belman helped champion several key pieces of legislation, including the **Homeowner Bill of Rights**, designed to create more predictability in the development process. He’s seen firsthand how complicated and costly the system can become. > “$87,000 of the cost of a new home comes from local, state, and federal regulations,” Belman explained. “That’s roughly 25% percent of the total cost. There’s a lot of fat we could trim out of that equation.” It’s an eye-opening statistic that highlights just how much red tape stands between Wisconsin families and an affordable home. ### A Builder’s Heart for Community Beyond the policy conversations, Belman’s work is deeply personal. Through his involvement with **Operation Finally Home**, his company has built and donated six mortgage-free homes to injured veterans and their families — helping them rebuild not just their homes, but their lives. > “These veterans gave so much for us,” Belman said. “To see them move into a brand-new home and start a new chapter there’s nothing more rewarding.” It’s a reminder that Wisconsin’s builders aren’t just constructing houses they’re building communities. ### How R&R Insurance Fits In At **R&R Insurance**, we have the privilege of working with many of the homebuilders and land developers driving growth across **Southeastern Wisconsin. **People like David Bellman who balance innovation, community and integrity every day. Our team understands the unique risks builders face: navigating complex zoning approvals, managing multi-phase developments, and protecting their projects and people through every step of construction. Through our **Construction & Real Estate Practice Group**, we help our clients focus on what they do best: creating spaces for Wisconsin families to thrive while we manage the insurance and risk side of their operations. ### Moving the Industry Forward Belman’s story reflects what so many Wisconsin developers are experiencing: a commitment to doing things the right way, even when the process isn’t easy. It’s a fight worth having one that affects affordability, access and the health of our communities. At R&R, we’re proud to stand alongside the people building Wisconsin’s future. Topics: [Wisconsin homeowners insurance](https://www.myknowledgebroker.com/blog/topic/wisconsin-homeowners-insurance), [Construction](https://www.myknowledgebroker.com/blog/topic/construction-and-sub-contractor-topics) ## [Why We’re Still Talking About the J&J Class Action ERISA Lawsuit](https://www.myknowledgebroker.com/blog/why-were-still-talking-about-the-jj-class-action-erisa-lawsuit) Posted by [Pete Frittitta](https://www.myknowledgebroker.com/blog/author/pete-frittitta) - [Tweet](https://twitter.com/share) ![Employee Benefits - 2024-09-12T091521.422](https://www.myknowledgebroker.com/hs-fs/hubfs/Employee%20Benefits%20-%202024-09-12T091521.422.png?width=324&height=182&name=Employee%20Benefits%20-%202024-09-12T091521.422.png) Earlier this year, a U.S. District Court dismissed  a class-action lawsuit filed against Johnson & Johnson (J&J), which alleged that the company breached its fiduciary duties under the Employee Retirement Income Security Act (ERISA). So, it must have been a “nothingburger” and there’s no sense to talk about it anymore, right? Wrong! Why? It was thrown out on a legal technicality. In dismissing the two fiduciary breach claims, the court ruled that the plaintiff (an employee of J&J) lacked standing to bring a lawsuit. The J&J case should serve as a reminder to employers of the importance of adhering to their ERISA fiduciary duties when managing their health plans.  The court found the plaintiff’s first claim, that she paid more in premiums due to the defendants’ purported breach of fiduciary duty during the plans’ negotiation process, did not sufficiently show evidence of an injury and was “at best, speculative and hypothetical.” Further, the outcome of the lawsuit would not affect the plaintiff’s future benefit payments, and the plaintiff failed to show that the defendants’ specific conduct resulted in higher premiums. Interestingly, regarding the plaintiff’s second claim that she paid higher prices for drugs under the plans and thus paid more out of pocket, **the court acknowledged that she suffered an injury that was traceable to the defendants’ alleged ERISA violations**. However, the plaintiff lacked standing based on this injury because a favorable decision would not be able to compensate her for the money she already paid, given that she had reached her prescription drug cap for each year asserted in the complaint. The court reasoned that, even if the defendants were to reimburse her out-of-pocket costs on a given drug, that money “*would be owed to her insurance carrier to reimburse it for its expenditures on other drugs that same year.”* After the J&J lawsuit was filed, similar fiduciary litigation involving the management of prescription drug benefits followed. These cases are still making their way through the court system as scrutiny of the PBM industry intensifies. **The important fact remains that, under ERISA’s strict fiduciary standards, employers must prudently select and monitor their third-party service providers, including pharmacy benefit managers (PBMs).** ERISA includes standards of conduct for those who manage an employee benefit plan and its assets, who are called “fiduciaries.” This [Compliance Overview](https://www.myknowledgebroker.com/hubfs/Employee%20Benefits/Client%20Compliance%20Documents/119432%20ERISA%20Compliance%20FAQs%20-%20Fiduciary%20Responsibilities%201.30.25.pdf) includes a set of frequently asked questions (FAQs) to help employers understand the basic fiduciary responsibilities applicable to group health plans under ERISA. Click [here](https://www.myknowledgebroker.com/hubfs/Employee%20Benefits/Client%20Compliance%20Documents/119432%20ERISA%20Compliance%20FAQs%20-%20Fiduciary%20Responsibilities%201.30.25.pdf) to read more.  If you want to know more about what you should be doing to be in compliance, contact one of our Knowledge Brokers – we know!   Topics: [ERISA](https://www.myknowledgebroker.com/blog/topic/erisa), [Compliance](https://www.myknowledgebroker.com/blog/topic/compliance) ## [Top 10 Tips for New Insurance Buyers](https://www.myknowledgebroker.com/blog/top-10-tips-for-new-insurance-buyers) Posted by [Norah Stoehr](https://www.myknowledgebroker.com/blog/author/norah-stoehr) - [Tweet](https://twitter.com/share) ![Top Ten Tips for new insruance buyers](https://www.myknowledgebroker.com/hs-fs/hubfs/Top%20Ten%20Tips%20for%20new%20insruance%20buyers.png?width=1536&height=1024&name=Top%20Ten%20Tips%20for%20new%20insruance%20buyers.png) Buying insurance can be intimidating. Just going through the process you may find yourself inundated with a wide range of unfamiliar words and phrases such as “indemnification” or “coinsurance” making everything seem a little more difficult to understand. Yet in today's world it’s expected you take the responsibility to purchase insurance. In an effort to help a first-time buyer simplify the process, I thought I would sit down and ask for guidance from an industry veteran, a Personal Lines Insurance Consultant from R&R Insurance, [Don Charpentier](mailto:don.charpentier@rrins.com).   With the help of Don, I put together a solid Top 10 Tips for New Insurance Buyers. Whether you are looking for home, auto, renters, or any other kind of insurance, here are the top ten things that will help you through the purchasing process.  1. ** Look for a Stable Agency** Don has been at several agencies in his career. In his experience, there is much more to an insurance company than its prices – you want to make sure to do your research surrounding its reputation too. There are many aspects that can be easily looked over such as the financial stability of the company. Take the time to look into their long-term track record, number of carriers, and customer ratings. If you take these steps to find a stable and reliable agency, your buying experience will be significantly less stressful.  1. ** Find an Agent that You Trust** When investing in something as important as insurance, it is vital to make sure the people guiding you through the decision-making process are trustworthy. For instance, Don advises that you find an agent who is not selling insurance based off which company will pay them the most. They should rather be looking out for you, matching you with the best insurance for whatever you need coverage on.  1. ** Assess Your Needs** Do not buy insurance solely based on what you see others buying. First, understand your specific needs. Go over your lifestyle, assets, and potential risks. Make sure to evaluate your spending abilities too, do you have enough to afford adequate coverage? As Don says, “If you don’t have enough coverage, what’s the point?” If you are in the financial position to do so, ensure that you have plenty of coverage. If you do not have enough coverage, you could end up responsible for paying out of pocket.  1. ** Stay Honest** When communicating with your insurer, provide accurate information. Be truthful about your health, driving history, and any other relevant information, your insurers need to be prepared too! Even though it can seem embarrassing at times, providing accurate information could prevent claims being denied or your policy being canceled.   1. ** Evaluate Your Deductible** Your deductible is the amount you pay out-of-pocket before your insurance kicks in. Generally, the higher your deductible, the lower your premium (monthly or annual payment). You will want to make sure that you can comfortably afford the deductible if you need to file a claim. Finding the right balance between premium and deductible is key to ensuring you do not face financial strain if an emergency occurs.  1. **Check for Exemptions** Unfortunately, sometimes insurance does not cover every situation that you would expect. It is vital to thoroughly understand what your insurance does and does not cover. Make sure to assess and understand these gaps so that you are not unprepared if a situation arises.** **  1. **Ask About Bundles** Many insurance companies offer discounts if you buy more than one type of insurance from them (such as bundling home and auto insurance). If you need multiple policies, bundling could save you some money while giving you coverage on what you need. Make sure to compare the prices of bundles and individual policies as well.  1. **Review Your Policy** Don believes it to be most beneficial that you review your policy whenever you go through any significant financial changes such as home renovations, new drivers, or health issues. By reviewing your policies, you can make sure that your coverage is still effective and sufficient for your lifestyle. Additionally, reviewing your policy periodically ensures that you are paying the best possible price.** **  1. **Do Not File Too Many Claims** If you are looking to file a claim, make sure to consult your agent first. Do not file a claim every time something happens, rather, only file claims for major expenses. Too many claims can lead to being uninsurable or significantly raising your rates. Depending on your financial stability, Don suggests that it may be more beneficial to pay for smaller expenses out of pocket to avoid raising rates or filing too many claims.  1. **Stay Loyal** Surprisingly, staying loyal to an insurance company could actually save you money in the long run. When you find a trustworthy agency to work with, stay loyal to them if possible. Remember – this is a partnership that requires mutual trust. It is not just a transactional relationship, but an advisory one too. If you become a loyal or long-time customer, you can consider asking about longevity discounts. Longevity discounts may result in better and more stable rates in response to your loyalty.  **Closing Thoughts**  As a first-time insurance buyer, it is easy to feel confused or intimidated by the process. However, by considering these ten pieces of advice, you can make informed decisions that will protect you and your loved ones for years to come. If you follow these tips, buying insurance may not seem so scary after all.    *Have questions about your first policy? Contact an R&R Insurance personal lines agent, like [Don Charpentier](https://www.myknowledgebroker.com/employee-directory/don-charpentier), today!* ## [Falling Work Comp Rates: The Good, the Bad, and the Ugly](https://www.myknowledgebroker.com/blog/falling-work-comp-rates-the-good-the-bad-and-the-ugly) Posted by [Dan Scheider](https://www.myknowledgebroker.com/blog/author/dan-scheider) - [Tweet](https://twitter.com/share) *This article was updated on February 17th, 2025 with fresh statistics. It's the same story as was originally published in 2019, just more intense!* On October 1, 2024 Wisconsin continued its trend entering a ninth consecutive year of reduced workers’ compensation insurance rates.  Rates in 2024 fell an average of 10.5% compared to 2023, which is the most dramatic reduction in over a decade.  This rate reduction will affect work comp policies with renewal dates between 10/01/24 to 09/30/25. Workers’ compensation rates are state mandated in Wisconsin, meaning all insurance carriers must use the same rates resulting in premiums from one carrier to another are basically the same.  While at first glance, this appears a “boon” to the bottom line for Wisconsin contractors as work comp premium makes up the lion’s share of insurance costs. When it comes to the 9th consecutive year of reduced work comp rates there’s ***“the Good, the Bad, and the Ugly…”*** ## ***... the Good …*** In general, a reduction of work comp rates result in reduced premium costs to contractors. In 2024, the Wisconsin construction industry will see the greatest reduction in work comp premium compared to other industries: #### **Overall 2024 Wisconsin work comp rate reduction:  -10.5%** | **Construction** | **-14.17%** | | --- | --- | | Goods & Services | -10.41% | | Manufacturing | -9.34% | Within the various Construction industry class codes, the 2024 WC rate reduction ranges from: | **Highest Changes** | **Mid Changes** | **Lowest Changes** | | --- | --- | --- | | -24.6% HVAC Installation | -14.6 Landscaping | -6.3% Cleaner-Debris Removal | | -17.5% Roofing | -13.2% Sewer Construction | -5% Excavation | | -16.6% Concrete Construction | -12.7% Plumbing | -2.4% Street or Road Const. |   ## ***![Contracting Stats](https://www.myknowledgebroker.com/hs-fs/hubfs/Contracting%20Stats.png?width=539&height=331&name=Contracting%20Stats.png)*** ## ***... the Bad …*** To understand the downside of falling work comp rates, a snapshot of the last 10-years is needed.  Overall the new 10/1/24 rates are 46.6% lower than the rates that were in effect on 9/30/16. In the last nine years there has been nearly a 50% reduction in the potential work comp premium dollars available to the insurance market. ![WI Rate Change by Year](https://www.myknowledgebroker.com/hs-fs/hubfs/WI%20Rate%20Change%20by%20Year.png?width=668&height=491&name=WI%20Rate%20Change%20by%20Year.png) The effect of nine consecutive years of work comp rate reductions is a continued reduction in insurance carrier loss holding capacity for writing this line of insurance, which will eventually lead to: - Insurance carriers scaling back % of Dividend Offerings (an action that insurance carriers have historically been reluctant to take for fear of a loss of market share) - Potential of reduced insurance carrier interest in writing WC coverage (especially standalone WC markets) - Potential of rate increases in non-work comp coverage lines to support the overall account profitability - Hardening of the insurance market, that already has been seen rate increases over the past few years in Business Auto and capacity limitations on Umbrella/Excess   ## ***... and the Ugly …*** Construction companies may be surprised to learn that significant WC rate reductions have an inflationary impact on the Experience Modification Rate (EMR). It should be noted that this inflationary impact to the EMR will offset to some degree the premium reduction created by reduced WC rates. Of the many variables that affect the EMR, the below example illustrates the inflationary pressure created by reducing WC rates: - “Expected Losses” are the amount of losses that the State of Wisconsin expects to result from the state mandated work comp rate. - As the state mandated work comp rates have reduced over the past 9 years, the “Expected Losses” that will result from the reduced WC rates also reduce. - “Expected Losses” are compared to each construction company’s “Actual Losses” in the calculation of the EMR. - The lowering of the “Expected Losses” through reduced WC rates when compared to the “Actual Losses” results in inflationary pressure to the EMR. The only way to offset this inflationary pressure on the EMR is for contractors to reduce their “Actual Losses”. Contractors familiar with competitively bidding on large projects know all-too-well the importance of having an Experience Modification Rate below 1.00. Most contractors have seen their EMR increase over the past several years, due in part to the last 9 years of WC rate reductions. Medical Inflation is also negatively affecting experience mods and ultimately increasing Workers Compensation costs. This is especially true in Wisconsin, because we are one of the six states in the US not on a fee schedule and have seen the highest growth in Workers Compensation medical costs in the country.  ## **What can Contractors do?** Competitive pressure on insurance carriers - Start the renewal process early (120 days prior to renewal) - Evaluate insurance carriers: - WC Dividends Plans - Analysis of carriers coverage enhancements and/or restrictions - Evaluation of Carrier Support Functions (Loss Control / Safety Services & Claims Service) - Carrier dedication to the construction industry (Most national carriers have construction dedicated Underwriting / Loss Control / Claims functions) Pre-Loss – Safety: - Identify who is accountable at each job site for administering safety? - Involve the insurance carrier and insurance broker to create an annual service plan addressing: - Training (employees / supervisors & foremen / safety director) - Jobsite inspections (Are we following our policies and documenting all inspections and corrective action?) Post-Loss – Controlling Costs: - Claims should be reported immediately - Statistics confirm a direct correlation between immediate reporting of a WC claim and minimizing the cost of that WC claim - Keeping WC claims “Medical Only” - “Medical Only” claims (without Loss of Wages and or Disability) are discounted by 70% for the purpose of the impact on the EMF - Partnering with an Occupational Medical Provider - By having a medical provider familiar with your business, there tend to be fewer hang ups in getting employees to return to work as fast as possible - Regularly scheduled mid-term and year-end claim reviews with broker and insurance carrier    Applying for available work comp credit programs: - Wisconsin Contractors Premium Credit program (up to a 10% Premium Reduction that has no impact on the EMR) - Wisconsin Apprentice Credit Program (up to $ 2,500)   **NOTE**:  Some insurance brokers (including R&R Insurance) have dedicated Construction divisions to serve the needs of Wisconsin’s construction industry. To sum it up, while at first glance the continued workers’ compensation rate reduction that took effect on 10/01/24 may create the appearance of saving ***“A Fist Full of Dollars”*** on reduced WC premiums, in reality an objective evaluation would indicated that there is ***“The Good, the Bad & the Ugly..”.***   Topics: [Workers Compensation](https://www.myknowledgebroker.com/blog/topic/workers-compensation), [Construction](https://www.myknowledgebroker.com/blog/topic/construction-and-sub-contractor-topics) ## [December is Seasonal Affective Disorder Awareness Month](https://www.myknowledgebroker.com/blog/december-is-seasonal-affective-disorder-awareness-month) Posted by [Taylor Hahn](https://www.myknowledgebroker.com/blog/author/taylor-almonte-hahn) - [Tweet](https://twitter.com/share) [![TT_Jan Screen Grab](https://www.myknowledgebroker.com/hs-fs/hubfs/TT_Jan%20Screen%20Grab.png?width=324&height=181&name=TT_Jan%20Screen%20Grab.png)](https://rrins.wistia.com/medias/u118lktw80) December is Seasonal Affective Disorder Awareness Month. This disorder, also known as S.A.D., is a type of depression that is linked to seasonal changes, particularly the reduction in daylight hours during the fall and winter. Most individuals with S.A.D. experience symptoms starting in the fall that persist into the winter months, causing them to feel more moody, lethargic, and generally less interested in activities they usually enjoy. While there is no way to prevent S.A.D., you can take steps to manage the symptoms before they worsen. These steps include light therapy, which involves exposure to a lightbox that mimics natural sunlight, and spending more time outdoors during daylight hours. Regular physical exercise, maintaining a healthy diet, and seeking professional counseling or therapy can also be beneficial. In some cases, medication may be prescribed to help alleviate the symptoms. To delve deeper into this topic, watch this month's *Taylor Talks* video, where we discuss preventive measures that can be taken to make your winter a more pleasant experience. [Watch this month's video here.](https://rrins.wistia.com/medias/u118lktw80) Reach out to our experienced Strategic Wellbeing Consultant, [Taylor Hahn](https://www.myknowledgebroker.com/employee-directory/taylor-almonte-hahn), to discuss the next steps. Many of our other employer groups have found this approach to be incredibly successful.   Topics: [Wellness](https://www.myknowledgebroker.com/blog/topic/wellness) ## [November is National American Diabetes Month](https://www.myknowledgebroker.com/blog/november-is-national-american-diabetes-month) Posted by [Taylor Hahn](https://www.myknowledgebroker.com/blog/author/taylor-almonte-hahn) - [Tweet](https://twitter.com/share) [![TT_Jan Screen Grab](https://www.myknowledgebroker.com/hs-fs/hubfs/TT_Jan%20Screen%20Grab.png?width=324&height=181&name=TT_Jan%20Screen%20Grab.png)](https://rrins.wistia.com/medias/w05983jcyc) November is National American Diabetes Month. According to the Centers for Disease Control, over thirty-four million U.S. adults are affected by some form of Diabetes. Diabetes exists in two types: type one and type two. Type one Diabetes is an autoimmune condition where the body attacks insulin-producing cells in the pancreas, leading to a lack of insulin. Type two Diabetes, on the other hand, is more common and occurs when the body becomes resistant to insulin or doesn't produce enough of it. With one in five adults unaware of their diabetes status, it's crucial to recognize the risk factors and symptoms. Risk factors include a family history of diabetes, being overweight, having high blood pressure, and leading a sedentary lifestyle. Symptoms can range from increased thirst and frequent urination to extreme fatigue and blurred vision. Early detection and management are key to preventing serious complications such as heart disease, kidney failure, and nerve damage. To delve deeper into this topic, watch this month's *Taylor Talks* video, where we discuss preventive measures that can be taken such as healthy eating. [Watch this month's video here.](https://rrins.wistia.com/medias/w05983jcyc) Reach out to our experienced Strategic Wellbeing Consultant, [Taylor Hahn](https://www.myknowledgebroker.com/employee-directory/taylor-almonte-hahn), to discuss the next steps. Many of our other employer groups have found this approach to be incredibly successful.   Topics: [Wellness](https://www.myknowledgebroker.com/blog/topic/wellness) ## [What Employers Should Know About Seasonal Employment](https://www.myknowledgebroker.com/blog/what-employers-should-know-about-seasonal-employment) Posted by [Pete Frittitta](https://www.myknowledgebroker.com/blog/author/pete-frittitta) - [Tweet](https://twitter.com/share) ![Employee Benefits - 2024-09-12T091521.422](https://www.myknowledgebroker.com/hs-fs/hubfs/Employee%20Benefits%20-%202024-09-12T091521.422.png?width=324&height=182&name=Employee%20Benefits%20-%202024-09-12T091521.422.png) Many organizations rely on seasonal workers to supplement their regular workforce during peak times. Your immediate thought upon reading this might be that this is about determining benefits eligibility under the Affordable Care Act (ACA). Well, that’s only part of the challenge; there is so much more to consider! The ACA addresses implications related to group medical benefits. What about other benefits? What about worker classification? Wage and hour laws? While similarities exist, there are important differences between seasonal and regular employment. Due to these differences, hiring and reliance on seasonal workers can present significant and unexpected challenges for employers. This [HR Compliance Overview](https://www.myknowledgebroker.com/hubfs/Employee%20Benefits/Client%20Compliance%20Documents/What%20Employers%20Should%20Know%20About%20Seasonal%20Employment.pdf) provides employers with a broad overview of seasonal employment and compliance strategies for employers. If you want to know more about what you should be doing to be in compliance, contact one of our Knowledge Brokers – we know!   Topics: [Compliance](https://www.myknowledgebroker.com/blog/topic/compliance) ## [October is National Dental Hygiene Month](https://www.myknowledgebroker.com/blog/october-is-national-dental-hygiene-month) Posted by [Taylor Hahn](https://www.myknowledgebroker.com/blog/author/taylor-almonte-hahn) - [Tweet](https://twitter.com/share) [![TT_Jan Screen Grab](https://www.myknowledgebroker.com/hs-fs/hubfs/TT_Jan%20Screen%20Grab.png?width=324&height=181&name=TT_Jan%20Screen%20Grab.png)](https://rrins.wistia.com/medias/n8e5xpzeb5) October is National Dental Hygiene Month. This month is dedicated to raising awareness about the importance of maintaining good oral health and the impact it has on overall wellbeing. The mouth is often referred to as the gateway to the body because it serves as an entry point for your digestive and respiratory systems. This means that the health of your mouth can significantly influence the health of your entire body. Typically, the body's natural defenses and proper oral health care, such as regular brushing, flossing, and dental check-ups, can help keep bacteria in check. However, neglecting oral hygiene can lead to the buildup of harmful bacteria, which can cause infections and diseases not only in the mouth but also in other parts of the body. For instance, poor oral health has been linked to conditions such as heart disease, diabetes, and respiratory infections. Therefore, it is crucial to prioritize dental hygiene to maintain both oral and overall health. To delve deeper into this topic, watch this month's *Taylor Talks* video, where we discuss the four steps to proper oral brushing and maintaining good oral hygiene. [Watch this month's video here.](https://rrins.wistia.com/medias/n8e5xpzeb5) Reach out to our experienced Strategic Wellbeing Consultant, [Taylor Hahn](https://www.myknowledgebroker.com/employee-directory/taylor-almonte-hahn), to discuss the next steps. Many of our other employer groups have found this approach to be incredibly successful.   Topics: [Wellness](https://www.myknowledgebroker.com/blog/topic/wellness) [All posts](https://www.myknowledgebroker.com/blog/all) [Next](https://www.myknowledgebroker.com/blog/page/2) ### Subscribe to Email Updates ### Recent Posts ### Posts by Topic - [Business Insurance (263)](https://www.myknowledgebroker.com/blog/topic/business-insurance) - [Personal Insurance (129)](https://www.myknowledgebroker.com/blog/topic/personal-insurance) - [Employee Benefits (87)](https://www.myknowledgebroker.com/blog/topic/employee-benefits) - [Wellness (87)](https://www.myknowledgebroker.com/blog/topic/wellness) - [Workers Compensation (62)](https://www.myknowledgebroker.com/blog/topic/workers-compensation) - [Safety (51)](https://www.myknowledgebroker.com/blog/topic/safety) - [Resource Center (42)](https://www.myknowledgebroker.com/blog/topic/resource-center) - [Schools (35)](https://www.myknowledgebroker.com/blog/topic/schools) - 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