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.

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

Ho, Ho, Ho-ld Off on the Bad Habits This Holiday Season Thumbnail

Ho, Ho, Ho-ld Off on the Bad Habits This Holiday Season

‘Tis the season for family, festivity, and food—lots of food. The holidays dish up a triple whammy of wintry weather, irresistible foods, and stress, which can cause even the strongest-willed person to reach for another festive goodie. While the notion of enjoying “healthy holidays” has a nice ring to it, reaching that goal can be […]

Read more about “Ho, Ho, Ho-ld Off on the Bad Habits This Holiday Season”
Using a Flexible Spending Account (FSA) Thumbnail

Using a Flexible Spending Account (FSA)

If you have a health plan through a job, you can use a Flexible Spending Account (FSA) to pay for health care costs, like deductibles, copayments, coinsurance, and some drugs. They can lower your taxes. How Flexible Spending Accounts work A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special account […]

Read more about “Using a Flexible Spending Account (FSA)”
Benefits 101: What Is Accident Insurance? Thumbnail

Benefits 101: What Is Accident Insurance?

Accidents happen.  Whether you fall off a ladder, slip and break an arm, or get injured just living everyday life, an accident can happen.  Anytime.  Anywhere. What Is Accident Insurance? Accident insurance helps provide support when life’s most unexpected moments happen.  It makes an accident less painful financially because it helps to pay the bills […]

Read more about “Benefits 101: What Is Accident Insurance?”

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.