Author Archives | David Burjoski

About David Burjoski

As the Director of Communications for J.W. Terrill, David is responsible for all aspects of marketing, advertising, public relations, social media, and branding.

What are the elements of a successful PEO exit?

April 25, 2018

Comments Off on What are the elements of a successful PEO exit?

For certain small businesses, a professional employer organization (PEO) is a seemingly easy way to outsource many HR functions. However, as your company continues to grow, you’re likely outgrowing your PEO too. Not to mention, many PEO arrangements come with high administrative fees that you could be spending on your own HR talent or HR technology to better support your organization.

Join us for this webinar as we provide you the strategy on how to gracefully exit your PEO and transition to independence. During this session we’ll also provide you consulting on how to:

  • Conduct a full HR software evaluation to help determine the cost of replacing your PEO’s software platforms
  • Enlist the services of Marsh & McLennan Agency to obtain pricing on replacement coverage
  • Leverage MMA HRLink as the centerpiece to a well-executed PEO transition

Date: Tuesday, May 22 at 11:00am PST / 2:00pm EST. Register now for this webinar!

Download a PDF of this invitation

Continue reading...

Cyber Risk: Get In Front of It

October 9, 2017


Today’s news headlines are never short on high-profile cyber breaches that illustrate how devastating a breach can be to a company’s revenue, reputation and even its bottom line. Given the severity of the exposure, data security and privacy are now boardroom governance concerns.

To help you manage the risk, Marsh & McLennan Agency will hold an AudioCast on October 19 and October 20, 2017. We will discuss how to evaluate your organization’s preparedness for a cyber-attack and cover best practices on breach prevention and response.


FBI Special Agent, Judy Eide | Private Sector Coordinator

Marc Schein | Marsh & McLennan Agency, Cyber Champion




Eastern | 10-11 AM Eastern | 1-2 PM Eastern | 11 AM- 12 PM
Cental | 9-10 AM Central | 12-1 PM Central | 10-11 AM
Mountain | 8-9 AM Mountain | 11 AM-12 PM Mountain | 9-10 AM
Pacific | 7-8 AM Pacific | 10-11 AM Pacific | 8-9 AM

You are invited to participate in this interactive discussion on the date and time that is most convenient for you.

Presenter Bios:

FBI Special Agent, Judy Eide, Private Sector Coordinator

Special Agent Judy Eide is currently assigned as the New Haven Divisions as Private Sector Coordinator. After graduating from the FBI Academy in July, 1990, SA Eide was assigned and still remains in the New Haven Division. She has worked primarily on White Collar Crime/Public Corruption, Cyber, and JTTF squads. SA Eide was the divisions Training and National Academy Coordinator. She has served as the Senior Evidence Response Team Leader 1996-2012. SA Eide has been the Connecticut InfraGard Coordinator since 2012.

InfraGard is a partnership between the FBI and members of the private sector. The InfraGard program provides a vehicle for seamless public-private collaboration with government that expedites the timely exchange of information and promotes mutual learning opportunities relevant to the protection of Critical Infrastructure.

Marc Schein, CIC, CLCS – Marsh & McLennan Agency Cyber Champion

Marc has positioned himself well as a thought leader in the cyber space. He is a part of several professional organizations, including the Ponemon Institute, a research center focused on privacy, data protection and information security policy, where he serves on the RIM (Responsible Information Management) Council Board. Marc is frequently asked to share his expertise at numerous cyber conferences, seminars, counting education platforms for attorneys and accountants, webinars, industry gatherings and roundtables.

Continue reading...

Cost Reduction Strategies for the Self-Funded Employer

April 18, 2017


When evaluating cost savings strategies, employers often find themselves in the cycle of making plan design changes or shifting the cost to their employees. While these tactics may offer savings, they do not deliver the long term results employers are seeking in their efforts to rein in costs. Join us on May 10th to learn about the latest trends that can maximize bottom line savings and support your organization’s employee benefit strategy.

Click here to learn more about this special event!

Continue reading...

What Companies Can Do to Increase Cyber Resilience

January 2, 2017


As cyberattacks intensify, companies need to prepare for the inevitable, according to Marsh & McLennan’s Executive Vice President and General Counsel Peter Beshar in a recent interview with The Wall Street Journal.

In the interview, Peter discusses how businesses are now facing digital threats that affect the physical world — industrial control systems, power systems, transportation networks and even the financial system — and the ways they can address them, including the sharing of best practices. Full text of the interview below.

How Companies Need to Address Cybersecurity Risks in 2017
From The Wall Street Journal, December 19, 2016
By Ben DiPietro

Peter Beshar, executive vice president and general counsel of Marsh & McLennan Companies, a global professional services firm that includes Marsh, an insurance brokerage and risk advisor, speaks about the current state of cyberthreats, what companies should be doing to protect themselves and the potential impact the Trump administration will have on cybersecurity.

How would you describe the state of cybersecurity risk?

Mr. Beshar: It’s a rapidly intensifying threat environment, markedly worse than a year ago, and it will likely be markedly worse a year from now. We’ve moved from a focus on credit card theft…to the world we’re in now, where the attacks are moving from the digital world into the physical world–kinetic attacks as people in the industry refer to them. Threats against critical infrastructure, industrial control systems that operate infrastructure, the dam attack in Rye, N.Y., chemical plants, nuclear facilities, transportation networks, the aviation industry, telecommunications networks, the financial system. That’s the way the threat has morphed and why some military officials say cyberattacks now pose potentially the greatest threat to national and economic security, even approaching nuclear weapons.

What should companies be doing to assess their risks?

Mr. Beshar: We are engaged in a race without a finish line, in which our adversaries are repeatedly changing their methods of attacks. For corporations, the objective is resilience, to be able to have a cyberattack occur and still be able to maintain the relatively smooth running of core operations. It is not credible to avoid any breach whatsoever at any time. Cyber resilience is the goal that all of us should be striving toward.

A good first step is to conduct a benchmarking exercise or assessment of your own cyberdefenses against some sort of industry benchmark. Just be credible and faithful in trying to say, if the industry standard is here then I am here at this point. Then, what are the most logical steps you should be taking? One of the best responses is to enhance password protection, something like multifactor authentication. Training is important, trying to communicate how easy it is to be lured into clicking an improper attachment, whether through social media or email. What are your protocols for patching known vulnerabilities? You also should have a serious incident response plan, operating on the premise you will be breached. What would you do? Who would be notified? At what point might you choose to disclose it? Under what circumstances would you reach out to law enforcement?

Is there a point of diminishing returns for companies where they decide it’s not worth having a digitally based business?

Mr. Beshar: You need to recognize the incredible benefits, the boon to productivity, the ability to execute so much more quickly on transactions—all of the work that has arisen as a result of this tremendous degree of connectivity. If you savor and enjoy all the benefits that come with that, you have to understand there will be a downside. The idea of disengaging from the digital world is artificial and not something we can credibly do and maintain the degrees of productivity. Perhaps there are certain pieces of data that may not automatically be connected to everything else, but in general this is a process where tremendous benefits have arisen.

How will the Donald Trump administration affect the way companies approach cybersecurity?

Mr. Beshar: President Obama’s cybersecurity commission issued its report and traced out a number of proposals. [Internet of Things], for instance, the recommendation is IoT security need not solely rely on the end user, that is not the only person who has the responsibility to change the default password. Manufacturers and developers have an obligation to try to embed sounder security into these systems so they don’t have IoT become a new frontier of attack. That could lead to new requirements being imposed.

A Trump administration is less likely to regulate, though, so companies should try to develop best practices and reach out to the tech industry to find ways to convert best practices into common practices. We believe the power of the cyberinsurance underwriting process creates a number of economic incentives that have the potential to drive behavioral change in the marketplace. When a company embarks on the underwriting process, the first thing the broker or underwriter will do is ask what the current risk profile is like. That prompts the company to go through some sort of analysis and a candid assessment of its strengths and vulnerabilities.

Is the insurance industry keeping pace with coverage that meets companies’ evolving needs?

Mr. Beshar: We are heartened that a number of government institutions have identified the power of what cyberinsurance can do to encourage best practices and behavioral changes. Partly from those comments, but also from a focus on board members placing significance on cybersecurity, the cyberinsurance market is increasing significantly. The expectation is the volume of premiums in the standalone cyberinsurance industry will grow from $2.5 billion in 2015 to $14 billion by 2022.

The amount of coverage for many companies was a question of $20 million, perhaps $50 million, to cover the costs of credit monitoring and notification. But as the threat morphs from data to critical infrastructure, the sums and potential damages are growing. Marsh is now seeing companies buying $300 million, $400 million, $500 million of coverage. So the question is, what is the right way to assess a company’s cyber resilience for the underwriting community? Underwriters are experimenting with different tools, different price tags. The expectation is, as the threat continues to intensify the cyberinsurance market will continue to grow significantly.

It doesn’t seem as though any amount of new technology or money can stop cyberattacks, what else can companies do?

Mr. Beshar: There is no point a year from now, two years from now, where we declare victory and say the job is completed. This is going to be a dynamic back and forth, with new vectors of attack identified, potentially against new targets. We will be grappling with this issue for the rest of our careers.

Continue reading...

Marsh & McLennan Named #1 Military Friendly Employer in the U.S.

December 14, 2016



At Marsh & McLennan, we’re proud of our culture of innovation, collaboration and working for the greater good. Veterans share these qualities, which is why we’re committed to hiring and supporting them.

And now, our efforts have been recognized by one of the top rankings of veteran employers. We’ve been named the #1 overall Military Friendly® employer by Victory Media, which champions positive employment outcomes for veterans and their families. The ranking, a data-driven survey of leading US companies, reflects our commitment to the military community and our veteran colleagues, as well as the constant improvement of our Veteran Talent Initiative (VTI).

Our VTI connects qualified veterans with career opportunities across our operating companies and MMC. One unique new aspect of our veteran hiring program is the “Silver Medalist” initiative, in which we identify talented military veterans who have not received a job offer after their first round of interviews with us, and help them hone their interviewing skills and “redeploy” them to apply for other open positions across the firm.

“Marsh & McLennan Companies is pleased to be recognized as the number one Military Friendly® Employer,” said Dan Glaser, our President and CEO. “Veterans have served our country with distinction, and we are proud to provide them with meaningful opportunities to contribute to our firm. And with every hire, my conviction grows stronger that it is not only the right thing to do, but it is also the best thing to do — for our company, our clients and our colleagues.”

On December 7, the ranking was officially awarded by Chris Hale, CEO of Victory Media, to Dan, the executive sponsors of the VTI, Mercer’s President and CEO Julio A. Portalatin, Marsh & McLennan’s EVP and General Counsel Peter Beshar and Marsh & McLennan’s Chief Human Resources Officer Laurie Ledford.

“We’re honoring Marsh & McLennan because you recognize that veterans are better for their service and are giving them a hand up — not a hand out — to build careers in the corporate world,” said Chris.

Continue reading...

J.W. Terrill joins Marsh & McLennan Agency

July 22, 2015


As of July 1st, J.W. Terrill has joined Marsh & McLennan Agency LLC (MMA), a subsidiary of Marsh, the world’s leading global insurance broker and risk management advisor. We’re thrilled about the opportunities this combination of great companies will bring to our valued clients.

The trusted professionals you work with, the J.W. Terrill employees, are staying right here. You will have the same dedicated service team, so you can expect the personal attention and service that you’ve come to know and trust. Contact information will remain the same. As J.W. Terrill is now part of MMA, you gain access to an extensive array of capabilities and resources, offering an even broader platform to meet your needs.

For over 43 years J.W. Terrill has worked hard to provide you with the information you need to make informed decisions about how to most effectively address your exposures to loss. This commitment to our clients to deliver the best risk protection guidance will not change. Joining MMA will only enhance our ability to do so.

Please don’t hesitate to contact us if you have any questions or any issues we can address.


Continue reading...

Preparing for the ICD-10 Transition

March 10, 2015


As the October 1, 2015 deadline quickly approaches, health care providers, payers, clearinghouses, and billing services are in the final stages of transitioning from ICD-9 to ICD-10.  ICD is the abbreviated term for “International Classification of Diseases” and 10 representing the tenth revision. ICD Codes identify the diagnosis on the billing; ICD-9 codes uses 3 to 5 numeric digits and ICD -10 coding will use 3 to 7 digits and will report diagnoses in all clinical settings.

With the numeric coding changes comes the expansion of the current 14,000 available diagnosis codes to more than 67,000 and procedure codes from 13,000 to 85,000.  This highly complex system will provide a level of detail to claims processing that is complete, accurate, up to date and intended to save claim costs on improperly coded submissions. Eventually the transition implementation cost to health care providers, payers, clearinghouses and billing services will be translated back to consumers.

Widely accepted and used in the United States, the ICD-9 coding structure has limited the ability to properly identify the diagnosis trends, public health needs, epidemic outbreaks, and bioterrorism events.  Because of the ability to classify diseases and related health problems over 25 countries are currently using ICD-10.

The US belongs to the World Health Organization which requires notification of all events that constitute a public health emergency of international concern. Adoption of ICD-10 facilitates detection, verification and appropriate responses to epidemic-prone and emerging disease threats, comparisons of quality of care and sharing of best practices on a global level.

To meet the Health Insurance Portability and Accountability Act (HIPAA) requirements a code set had to, meet the needs of the health data standards user community and be consistent and uniform with other HIPAA standards.  ICD-10 meets the standards that will enhance accurate payment for services rendered, improve quality of care and documentation, and will identify diagnoses and procedures precisely, including the ability to accurately compare data worldwide.  All services rendered on or after October 1, 2015 must be coded using ICD-10, services on or after October 1, 2015 with ICD-9 will be considered as non- compliant transactions.

Transition to ICD-10 codes will provide fewer rejected claims, improved benchmarking data, including identifying abusive or fraudulent reimbursement submissions, and providing consumers with data on cost and outcome of treatment options. The final intent is to enhance business due to lower cost in premiums, and increase customer confidence from the improved development of strategies to prevent illness and injuries.

Continue reading...

Anthem releases updated Cyber Attack FAQ document

February 11, 2015


Anthem has received many questions regarding the Cyber Attack against Anthem.  Please find attached an updated FAQ document which provides answers to many of these questions.

Anthem continues their efforts to address all of the questions submitted regarding the Cyber Attack and will provide updates as they become available.

Anyone with questions is encouraged to visit or call 1-877-263-7995.

Continue reading...

Email Scammers Targeting Anthem Members

February 8, 2015


Anthem members who may have been impacted by the recent cyber attack should be aware of scam email campaigns targeting current and former members. These scams, designed to capture personal information (known as “phishing”) are designed to appear as if they are from a health plan and the emails include a “click here” link for credit monitoring. These emails are NOT from Anthem.

DO NOT click on any links in email.
DO NOT reply to the email or reach out to the senders in any way.
DO NOT supply any information on the website that may open, if you clicked on a link in email.
DO NOT open any attachments that arrive with email.

Anthem is not not calling members regarding the cyber attack and is not asking for credit card information or social security numbers over the phone.

This outreach is from scam artists who are trying to trick consumers into sharing personal data. There is no indication that the scam email campaigns are being conducted by those that committed the cyber attack, or that the information accessed in the attack is being used by the scammers.

Anthem will contact current and former members via mail delivered by the U.S. Postal Service about the cyber attack with specific information on how to enroll in credit monitoring. Affected members will receive free credit monitoring and ID protection services.

For more guidance on recognizing scam email, please visit the FTC Website.

Anthem has created a dedicated website – – where everyone can access information such as frequently asked questions and answers.

Continue reading...

Anthem Reports a Major Data Breach

February 5, 2015


Anthem Inc., the nation’s second largest health insurer, disclosed Wednesday that hackers gained access to their servers and stole Social Security numbers and other personal data of former and present members.

Anthem will individually notify current and former members whose information has been accessed. Anthem will provide credit monitoring and identity protection services to those who have been affected.

A dedicated website has been created – – to provide answers to frequently asked questions. This website will be updated on a continual basis. A dedicated toll-free number (1-877-263-7995) has also been established so current and previous members can call if they have questions related to this incident.

Anthem is working diligently to identify all impacted current and former members, and will be mailing letters to them in the coming weeks. This letter will advise those affected of protections being offered as well as any next steps.

Continue reading...

October is National Cyber Security Awareness Month

October 15, 2014


ncsaweekThe Internet has become part of everyone’s life.  Everyday we use the Internet at work, home, for entertainment and to communicate with others.

However, being constantly connected brings increased risk of theft, fraud, and abuse. No one is immune to cyber risks. As a nation, we face constant cyber threats against our infrastructure and economy. As individuals, cybersecurity risks can threaten our finances, identity, and privacy. Since our way of life depends on critical infrastructure and the digital technology that operates it, cybersecurity is one of our country’s most important national security priorities.

National Cyber Security Awareness Month is designed to engage and educate public and private sector partners through events and initiatives with the goal of raising awareness about cybersecurity. To learn more about what you can do to protect yourself or your business visit the National Cyber Security Alliance website.

Continue reading...

Cast your vote to help Wellness Coordinator Diane Andrea take the top spot!

October 2, 2014


vote for dianeClick Here-Vote Now!
You can vote as many times as you like, up to once per hour. Voting ends on October 24th.

J.W. Terrill Wellness Consultant Diane Andrea has been nominated for The Wellness Council of America (WELCOA) Top Health Promotion Professional award!

Diane is a registered and licensed dietitian with over 20 years of experience. Since 2009 she has helped over 100 of J.W. Terrill’s corporate clients develop wellness programs for the benefit of their employees.

If you are one of Diane’s clients, you appreciate the energy and enthusiasm she brings to your wellness initiatives. To show your support you can help Diane take the top position by casting your vote. There’s nothing to fill out-just click on the link above, and give her 5 stars. That’s it! Two clicks and you’re done.

About the Wellness Council of America (WELCOA)
The Wellness Council of America (WELCOA) was established as a national not-for-profit organization in the mid 1980’s through the efforts of a number of forward-thinking business and health leaders. Today, WELCOA has become one of the most respected resources for workplace wellness in America. With a membership in excess of 3,200 organizations, WELCOA is dedicated to improving the health and well-being of all working Americans. Located in America’s heartland, WELCOA makes its national headquarters in one of America’s healthiest business communities Omaha, Nebraska.

Continue reading...