Transcend Employee Benefits

About

RAM Benefits

Since 1979, RAM Benefits has worked with employers to build and maintain the best Employee Benefits plans for your company and the employees to meet their goals and objectives. RAM stands for Risk Analysis and Management (RAM), and our purpose is to create value.

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same:

RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Team

Scott S. Haskins

President

scott@rambenefits.com

(952) 908-2690

Mr. Haskins has over 28 years of Employee Benefits Consulting, Business Insurance Consulting, Risk Management and Loss-Control Experience.

David Liske

Vice President

dave@rambenefits.com

(952) 908-2685

Dave has worked as an Employee Benefits Consultant for over seven years and has over twenty years of consulting experience within the financial services industry.

Angela M. Lendway

Account Manager

angela@rambenefits.com

(952) 908-2686

Since joining RAM Benefits about 6 years ago as an account manager and a licensed insurance agent (life and health lines) Angela has built loyal lasting relationships with our medium and large business customers.

Kristie Spalding

Account Manager

kristie@rambenefits.com

(952) 908-2695

Ms. Spalding has over 16 years of experience in the insurance industry and is a licensed insurance agent. She works with small, medium and large clients to implement and administer their employee benefit programs.

Tricia Schultz

Account Manager

tricia@rambenefits.com

(952) 908-2688

Ms. Schultz joined RAM Benefits March of 2020, is a licensed insurance agent and has over 15 years of experience in the insurance industry.

Nancy Stone

Account Manager

nancy@rambenefits.com

800.344.4275 (toll free)

With 30+ years in the insurance industry, Nancy joined RAM Benefits in April of 2025 in a part time position, bringing her knowledge and experience to support the staff and clients.

Our Services

Our Purpose is to Create Value

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same: RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Our Blog

Insight and News

Voluntary Benefits: The Missing Piece of Your Compensation Puzzle Thumbnail

Voluntary Benefits: The Missing Piece of Your Compensation Puzzle

The Rise of Voluntary Benefits As healthcare costs increase, so does the demand for voluntary benefits. These optional benefits allow employees to select and pay for additional perks to meet their individual needs, especially in today’s diverse workforce. They’re also a valuable supplement to health insurance, particularly as healthcare expenses rise and affordability becomes a […]

Read more about “Voluntary Benefits: The Missing Piece of Your Compensation Puzzle”
Compliance Recap | March 2025 Thumbnail

Compliance Recap | March 2025

ACA REPORTING Affordable Care Act (ACA) reporting for applicable large employers (those with 50 or more employees) was due for the 2024 plan year in March. Reporting to Employees – due March 3, 2025 Form 1095-C: For Applicable Large Employers (ALEs) to report health coverage offered to full-time employees. Form 1095-B: For employers with self-funded […]

Read more about “Compliance Recap | March 2025”
The Big Differences Among Generations at Work Thumbnail

The Big Differences Among Generations at Work

The generations at work – Gen Z, Millennials, Gen X, and Baby Boomers – continue to fascinate business leaders and especially those in HR, who are charged with talent management. Trying to understand each generation’s attitudes, habits, and history is important. While each person is unique, these shared generational experiences can help people better orchestrate teams and get the most out of […]

Read more about “The Big Differences Among Generations at Work”

Our Contact

Get In Touch

At RAM Benefits, we love what we do! Choosing RAM Benefits as your insurance partner results in better service at a lower cost. Contact us today to learn more about how we can help your company succeed.