THE VANTAGE POINT

Introducing RISQ Consulting’s new blog, The Vantage Point! Get ready to learn about more than “just insurance”. We have experts on our team that know so much more than premiums and paperwork! At RISQ Consulting, we are proud to say we focus on educating ourselves in many areas of the business world, not just insurance. This quest for knowledge has inspired many of our team members to dive deeply into fascinating areas such as business technology, organizational management, team psychology, employee engagement and more! The Vantage Point is our way of sharing simple tips and valuable insights with you. Please enjoy!

LATEST BLOG POSTS

Read more +12 December 2019 By RISQ Consulting in Blog

DOL Issues Model Health Care Transparency Disclosure Documents

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login.     Overview The Department of Labor (DOL) has released the following three model disclosure documents related to a
Read more +09 December 2019 By RISQ Consulting in Blog

How Your Credit Score Can Affect Your Insurance Premiums

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login.   Your credit score is one of the most influential factors when it comes to financial outcomes in your
Read more +05 December 2019 By RISQ Consulting in Blog

What Does PB&J’s Have in Common with Creating a LEAN Culture at RISQ?

By Tonya Mott   Here is an update on our LEAN Journey; I wanted to summarize where we started and what is next for us at RISQ.  As you may recall in recent blog posts: We started with the “why”, why would we want to be LEAN and what’s in it for the company and
Read more +25 November 2019 By RISQ Consulting in Blog

Health FSA Limit will Increase for 2020

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login.       The Affordable Care Act (ACA) imposes a dollar limit on employees’ salary reduction contributions to health
Read more +18 November 2019 By RISQ Consulting in Blog

7 Things You Need to Stop Doing To Be More Productive

By Tonya Mott   On my “Less Doing” journey I came across this article, 7 Things You Need to Stop Doing To Be More Productive, Backed by Science (Click here). I promise that I’m not a lazy person.  For me this journey has been about doing the things that give me energy and make me
Read more +11 November 2019 By RISQ Consulting in Blog

Your Local Book Dealer

By Bailey Penrose Libraries store the energy that fuels the imagination. They open up windows to the world and inspire us to explore and achieve, and contribute to improving our quality of life. Libraries change lives for the better.  —Sidney Sheldon I love libraries, but sometimes I forget my public one is there and my
Read more +07 November 2019 By RISQ Consulting in Blog

Accessing Employee Emails Under the Stored Communications Act

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Think back to a time when a former employee departed your company. Do you remember collecting their work phone
Read more +04 November 2019 By RISQ Consulting in Blog

Influenza: Facts About the Flu

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Most people experience several bouts of influenza throughout their lifetime. According to the Centers for Disease Control and Prevention
Read more +28 October 2019 By RISQ Consulting in Blog

Waking Up at 6am Won’t Make You Successful

By Tonya Mott On a journey to finding my “prime time”, I have more tips to share with my fellow busy 🐝’s!  The latest findings on my journey comes from this article, “Don’t Listen to those productivity gurus: why waking up at 6am won’t make you successful” – click here to read the article. Here’s
Read more +24 October 2019 By RISQ Consulting in Blog

Take Back Your Day – Our Brains are not Microprocessors

By Tonya Mott A colleague recently recommended the 📘, Two Awesome Hours by Josh Davis.  The title peaked my interest; I would kill to feel like I climbed a🌄  in two hours.  My reality has been more like go, go, go 🚗, all 🌞 , all 🌙  and pray that by the time I’m crashing
Read more +21 October 2019 By RISQ Consulting in Blog

Sweater Weather Recipes for Autumn Vibes

By Bailey Penrose It’s fall.  Granted, late fall, but as the last leaves tenaciously hang on to their branches so do I hang on to the season.  As we slide begrudgingly into winter why not try a few last Autumn recipes?  Below are some of my favorites, I hope you get a chance to enjoy
Read more +14 October 2019 By RISQ Consulting in Blog

DOL Proposes to Amend Employee Tip Regulations

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Overview On Oct. 8, 2019, the U.S. Department of Labor (DOL) published a proposed rule to amend employee tip
Read more +10 October 2019 By RISQ Consulting in Blog

Death of the Desk

By Alison Nelson From new definitions of work-life balance to utilizing more technology, it’s no secret that the incoming workforce is invoking changes throughout businesses everywhere. One change that I find to be particularly interesting is the death of the traditional office layout. Millennials and Generation Z both want to be able to move around
Read more +07 October 2019 By RISQ Consulting in Blog

Cyber Risks & Liabilities

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. 3 Risks Associated With Removable Media Devices Portable hard drives, USB flash drives, memory cards and other types of
Read more +03 October 2019 By RISQ Consulting in Blog

Optimism Bias; and Other Reasons Humans Suck at Planning

By Jennifer Outcelt If you follow the Vantage Point blog religiously (and you should), then you have certainly read another post of mine referencing the popular podcast Freakonomics Radio. Not only do I love this podcast for its ability to articulate complicated concepts in engaging ways, I also love how it makes me feel smarter
Read more +30 September 2019 By RISQ Consulting in Blog

Know Where to Go for Your Health Care

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Keeping your health care costs in check could be as simple as making the right choice when you need
Read more +23 September 2019 By RISQ Consulting in Blog

Optimize Your Exercise Prescription

By Casey Kirkeby What if I told you that you could do something right now and it would have an immediate, long lasting, and positive effect on your brain? It could protect you from many diseases like Alzheimer’s or even Dementia. Sorry to burst your bubble but there is no magic pill for your brain,
Read more +12 September 2019 By RISQ Consulting in Blog

Pregnant with Knowledge

By Jennifer Outcelt Just in the last year, our small company has welcomed four new bouncing babies. As you can imagine, everyone in the office has become very familiar with the maternity (and one paternity) leave drill by now. With the announcement of each new baby, our office was filled with celebration and the parent
Read more +10 September 2019 By RISQ Consulting in Blog

Is Work-Life Balance Really a Thing?

By Tiffany Stock Coming back to work after my third child really made me step back and evaluate if I had the elusive work-life balance. Taking a look at the definition provided by businessdictionary.com, work-life balance is defined as, “A comfortable state of equilibrium achieved between an employee’s primary priorities of their employment position and
Read more +05 September 2019 By RISQ Consulting in Blog

Proffitt Management Solutions

By Tiffany Stock I was turned on to this newsletter by my colleague, Dave Adams. Nancy Proffitt, CEO of Proffitt Management Solutions, produces a blog/newsletter with content surrounding leadership, workplace culture, maximizing efficiency and so much more. I enjoy all of her posts but found this one from May of 2019 especially engaging. Leaders Build
Read more +29 August 2019 By RISQ Consulting in Blog

This Is How We Do It ~♫♪♩ – RISQ Consulting’s LEAN Mantra (thank you, Montel Jordan)

By Tonya Mott I mentioned in my last blog post, “What’s a Fastcap?” that our LEAN journey started with an office wide cleanup. That is not entirely accurate.  We actually started with the “Why”.  Why would we want to do this? It’s a lot of work!  If we don’t have buy-in from the team, this
Read more +27 August 2019 By RISQ Consulting in Blog

What’s a Fastcap?

By Tonya Mott On a journey to implement a LEAN culture in our office, I learned about Fastcaps. What’s a Fastcap? Self-adhesive stickers that cover screws on cabinets: What is LEAN? The Methodology: Deliver value from your customer’s perspective Eliminate waste (things that don’t bring value to the end product) Continuous improvement What in the
Read more +15 August 2019 By RISQ Consulting in Blog

Auto Insights

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Did You Know? You may not think an error on your auto insurance application is a big deal, but
Read more +08 August 2019 By RISQ Consulting in Blog

“Not All Readers Are Leaders, but All Leaders Are Readers”

By Ashley Snodgrass It was Harry S. Truman who said, “Not All Readers Are Leaders, But All Leaders Are Readers”. Top business leaders often quote President Truman’s philosophy as one of their keys to success. As someone who enjoys reading books and listening to audiobooks, I’ve found it can be overwhelming to sort through stacks
Read more +01 August 2019 By RISQ Consulting in Blog

The Sting that can “Bee” Good for You

A follow up to “Lyme Disease – The Great Imitator“ By Tonya Mott Since sharing Kelsey’s story a few exciting, (good and not so good) things have happened: 1. What is Kelsey doing for treatment?  She has quite the treatment regimen, but the most interesting is bee venom.  She has a bee condo inside her
Read more +29 July 2019 By RISQ Consulting in Blog

Pollutants

By Dena Lythgoe  If you’re like me, you tend to think of pollutants as dirty, chemical based components. In fact, if you were to search google for “what are the top 5 pollutants”, you’d get the below mentioned responses; Ozone, Carbon Monoxide, Sulfur Dioxide, Lead, Nitrogen Oxides. Take a moment and think of pollutants that
Read more +25 July 2019 By RISQ Consulting in Blog

“A CEO Who Gives his Employees $2,000 to go on Vacation Says People are More Productive Than Ever”

By Natasha Kwachka So as I was scrolling through the internet in a moment of rare silence in my rambunctious house, I came across this gem of a post. As I read, this feeling of excitement and admiration came upon me. While living in the corporate world, it is rare and sometimes even unheard of
Read more +22 July 2019 By RISQ Consulting in Blog

Change – What is it good for? Absolutely Everything.

By Andrew Kupperman, SHRM-CP I think most of us can agree that if we aren’t changing, we’re falling behind. From an evolutionary standpoint, without change and adaptation, animals typically become extinct. In our personal lives, change is happening every day. In fact, the current rate of change that is happening right now, with new ways
Read more +18 July 2019 By RISQ Consulting in Blog

Save 50% off Your Health Plan

By Joshua Weinstein Who doesn’t want to pay half for their health plan?  What if it came with lower out-of-pocket costs if you were to get ill or injured?  On top of that, you can use any provider of your choice!  Too good to be true?  Well, you know the saying.  It probably is.  Welcome
Read more +15 July 2019 By RISQ Consulting in Blog

Shed a Little Light on the Subject

By Bailey Penrose My first job out of college involved an office full what felt like an endless maze of cubicles.  This particular company had a fun little slogan for employee promotion, “working toward the light”, as the high-ranking employees got actual offices that were cream carpeted, lit with warm yellow light, and located next
Read more +02 July 2019 By RISQ Consulting in Blog

The Power in Your Response

By Natasha Kwachka Have you ever pondered why we, as people, respond or react to certain scenarios in the way that we do? What compels one to respond positively or negatively? What is the driving force behind a meltdown or calmly working your way through a tough situation? I believe we all have so many
Read more +25 June 2019 By RISQ Consulting in Blog

Preventing Employee Burnout

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. The World Health Organization (WHO) now considers burnout to be a syndrome. In previous editions of the WHO’s International
Read more +13 June 2019 By RISQ Consulting in Blog

Remote Scope

By Teena Applegate I feel fortunate that my company has allowed employees the opportunity to work remote.  Sure, we didn’t go full steam when it initially rolled out a couple of years ago.  We had a real trickle effect with one to two set days allowing employees to work from home and depending on position;
Read more +10 June 2019 By RISQ Consulting in Blog

Workplace Wellness: What It Can Do for You

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. Workplace wellness affects your company—and its finances—in several ways. Wellness programs have the potential to lower health care costs,
Read more +06 June 2019 By RISQ Consulting in Blog

5 Ways HR Can Support Employees’ Mental Health

This article is from RISQ Consulting’s MyWave Connect portal, a resource available to all RISQ Consulting clients. Please contact your Benefits Consultant or Account Executive for more information or for help setting up your own login. An employee’s mental health includes how they think, feel and act, and includes their emotional and social well-being. While
Read more +03 June 2019 By RISQ Consulting in Blog

Death by PowerPoint- We Have a Solution

By Alison Riggan Death by PowerPoint. This is the phrase that’s used to describe those presentations that are the same ugly overflowing slide again and again and again, often accompanied by a presenter whose charisma makes you want to A) take a nap or B) take a long walk off a short pier. In the
Read more +30 May 2019 By RISQ Consulting in Blog

Veterans at Work Certificate Program

By Bailey Penrose Loyalty, Respect, Selfless Service, Integrity, Courage, Excellence, Commitment – These are just some of the core values adopted and embraced by the US Military.  Do any of these sound familiar?  If they do, you might recognize that these values resonate closely with those espoused by companies like AT&T, General Motors, Chevron, and
Read more +28 May 2019 By RISQ Consulting in Blog

New Independent Contractor Definitions

By Jack Grieco The Alaska Legislature adopted a number of workers’ compensation reforms in 2018. One reform provides additional tests to determine if a person is an independent contractor or an employee. We are seeing a number of cases where the workers’ compensation auditors have determined a person is an employee because they did not
Read more +23 May 2019 By RISQ Consulting in Blog

I Drive a Spaceship!

By Jennifer Outcelt Obviously, I don’t actually drive a spaceship. If you thought I really did, then kudos to you for believing that I was capable of space travel and that I spent my life in constant cosmic adventure. In all Earth bound reality, what I mean when I say, “I drive a spaceship” is
Read more +20 May 2019 By RISQ Consulting in Blog

Speaking up in Meetings – Why is it so hard?

By Jessica Carlson As an individual in a professional career, I spend a lot of time in all kinds of meetings, whether they are internal, client, or business partner meetings.  Even though I have been in my industry for the majority of my adult life, I still have trouble speaking up in these meetings.  I
Read more +16 May 2019 By RISQ Consulting in Blog

Emotional Intelligence

By Jessica Carlson Something that has come up quite often over the last several months, while working through some professional development courses, is emotional intelligence.  But what exactly is it and how do I know if I’ve got it?  Check out the article linked below where they will explain what it is, what the benefits
Read more +13 May 2019 By RISQ Consulting in Blog

I Always Ask a Manager

By Ashley Snodgrass If you’ve ever had a work problem, where do you turn for help? Maybe you had a dispute with a coworker, or your boss isn’t giving you the feedback you need? My favorite resource for workplace advice is Ask a Manager, a work advice blog written by Alison Green. Ask a Manager
Read more +09 May 2019 By RISQ Consulting in Blog

Lyme Disease- The Great Imitator

By Tonya Mott Disclaimer:  Lyme Disease is extremely complicated, medically and politically.  I will do my best to share what I’ve learned and my references.  I am nowhere near an expert on the matter, I only wish to bring awareness in hopes of helping others.  Please feel free to reach out to me directly if
Read more +01 May 2019 By RISQ Consulting in Blog

Copper Theft

By Tim Maudsley Below is a KTVA article that highlights the spate of commercial copper thefts around Anchorage, fueled mostly by the lure of quick cash.  Despite the possibly of great bodily harm, thieves are stealing copper to then sell quickly at local scrap dealers.  From an insurance perspective, the theft of copper from a
Read more +29 April 2019 By RISQ Consulting in Blog

Locals for Locals

By Alesha Combs A recent study found that with 26% of Alaska’s businesses being female owned, Alaska now ranks #1 for largest percentage of female owned businesses in the country! Female empowerment has been an ongoing discussion across the nation, but as a woman in Alaska who loves my job, and loves shopping local, I
Read more +25 April 2019 By RISQ Consulting in Blog

Valuable Share: Achieving Email Zero

By Aimee Johnson I value myself on being organized and able to manage multiple projects, timelines, and execute to the needs of my clients – with the exception of my dreaded inbox. Email management is my arch nemesis and biggest time suck. I wish the solution was something as easy as asking my supervisor and
Read more +23 April 2019 By RISQ Consulting in Blog

Business Etiquette. What is it and does it still exist?

By Aimee Johnson Has an email ever rubbed you the wrong way? Do you have to confirm where to pin your name tag every time you head to a networking event? Have you ever listened to your conference line’s tinny music for over 10 minutes waiting for your forever-tardy team to call in? Why does
Read more +18 April 2019 By RISQ Consulting in Blog

How to Talk To Your Health Insurance Company

By Ashley Snodgrass What do you do when you get a bill from your doctor or an Explanation of Benefits from your insurance company that doesn’t look quite right? Maybe you have been asked to pay more because a service wasn’t covered, or the claim was processed out-of-network (even when you know your doctor is
Read more +15 April 2019 By RISQ Consulting in Blog

Mining and Insurance- A Guide to Insuring Alaska’s Mining Industry

By Dena Lythgoe Mining is one of the toughest industries in Alaska with some of the toughest Alaskans running and operating these endeavors. With over 4,500 direct mining jobs in Alaska and 9,000 total direct and indirect jobs attributed to the Alaska mining industry it is surprising to know the majority of the operating mines in
Read more +11 April 2019 By ariggan in Blog

My Dog Went Viral

By Joshua Weinstein Luka is our family’s Siberian Husky.  I have many adjectives to describe him, but in short, he’s a friendly dog who rarely barks.  He prefers dirty over clean and sheds to no end. He also has allergies that make his vocal chords reverberate as though he and Chewbacca are related.  Like most
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