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 Recap | November 2025
THE ANNUAL GAG CLAUSE ATTESTATION DUE DEC. 31, 2025 Under the rules adopted by Congress in the Consolidated Appropriations Act, 2021 (CAA), group health plans and health insurance issuers of both fully insured and self-funded plans must certify that their contracts with providers, networks, third-party administrators (TPAs), pharmacy benefit managers (PBMs), or other service providers […]
Read more about “Compliance Recap | November 2025”
Compliance Alert: HIPAA Privacy Notice Update Due Feb. 16, 2026
The U.S. Department of Health and Human Services (HHS) has issued a final rule that requires covered entities—including many health plans—to update their Notice of Privacy Practices (Privacy Notice). This change enhances privacy protections for highly sensitive Substance Use Disorder (SUD) treatment records. Why the Update is Necessary The HIPAA Privacy Rule already mandates that […]
Read more about “Compliance Alert: HIPAA Privacy Notice Update Due Feb. 16, 2026”
Healthy Through The Holidays: Your Winter Wellness Guide
The transition into winter and the busy holiday season often brings two things: cold weather and packed calendars. While the shorter days and festive cheer are welcome, they also present unique challenges to our health, including managing stress, fighting off seasonal illnesses, and maintaining an active routine. Staying healthy this winter isn’t about grand gestures; […]
Read more about “Healthy Through The Holidays: Your Winter Wellness Guide”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.
