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
(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
(952) 908-2685
Dave has worked as an Employee Benefits Consultant for over nine years and has over twenty years of consulting experience within the financial services industry.
Angela M. Lendway
Account Manager
(952) 908-2686
Since joining RAM Benefits about 8 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
(952) 908-2695
Ms. Spalding has over 18 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
(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
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.
Christa Haskins
Administrative Coordinator
800.344.4275 (toll free)
Christa joined RAM Benefits in September of 2023 in a part time position, bringing her enthusiasm and positive energy 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.
Employee Communication
Ensure your employees understand and appreciate the total compensation package.
Population Health & Wellness
Analyze population health trends to help companies make an impact on employer cost and health.
Our Blog
Insight and News
Compliance Briefing | March
March ACA Reporting Deadlines for 2025 Calendar Year Plans Each year, employers subject to Affordable Care Act (ACA) reporting must complete several federal filing requirements early in the calendar year. March is the most critical compliance month for ACA reporting because it includes the primary deadline for furnishing employee statements and the electronic filing deadline with […]
Read more about “Compliance Briefing | March”Compliance Briefing | February
Updated HIPAA Notice of Privacy Practices Required in 2026 Employers that sponsor self-funded group health plans should prepare for upcoming changes to the HIPAA Notice of Privacy Practices (NPP). Federal privacy rules require group health plans to provide plan participants with an NPP explaining how their protected health information (PHI) is used, disclosed, and safeguarded. […]
Read more about “Compliance Briefing | February”Compliance Briefing | January
2026 Transparency in Coverage (TiC) Posting Requirements Employers sponsoring non-grandfathered, self-funded group health plans and health insurance issuers remain responsible for the ongoing Transparency in Coverage (TiC) public posting requirements. Plans must publicly post machine-readable files (MRFs) that disclose in-network negotiated rates, out-of-network allowed amounts, and billed charges for covered items and services. For fully […]
Read more about “Compliance Briefing | January”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.
