Why You Should Consider a COSE MEWA Health Plan for Your Small Business

The overall health of your business is a priority, so you require a health insurance plan that keeps your employees safe and healthy. It’s important to choose a carrier that offers the products, access and benefits you’re looking for, who also looks out for you. That’s why COSE has partnered with Medical Mutual to offer the multiple employer welfare arrangement (MEWA) to help small businesses receive the big-business benefits they deserve.

See why you should join the 7,500 small businesses who save on their health insurance through the COSE MEWA:

1. You have the support of the Council of Smaller Enterprises (COSE) and Medical Mutual
If you are reading this, you are likely already a member of COSE and realize the value of your membership. COSE and Medical Mutual offer the COSE MEWA to small business owners and their employees to help with the increasing cost of healthcare benefits. 

2. Favorable rating of like-minded companies 
The way a MEWA works is by getting together a group of similar small business employers to pool their contributions in a self-contributing benefits plan for their employees. By pooling your contributions with other employers, you are better positioned to offer the best benefit package to your employees due to economies of scale.  

3. Strength of network
As a chamber member, the COSE MEWA gives you and your employees access to Medical Mutual’s high-quality network of doctors and major hospitals across the state. Whether you’re looking for a narrow or broad network plan, your employees will be able to access the providers they want and need.

4. Specialty Products
In addition to our health plans, we offer dental, vision and life & disability insurance coverage, plus options like hospital, accident and critical illness insurance. Through Medical Mutual, your employees have access to our SuperDental network, one of Ohio’s largest dental networks, as well as national vision carriers like VSP and EyeMed. Offering a complete benefits package to your staff can improve overall employee satisfaction and retain talent. 

5. Cost savings
Since the COSE MEWA is not subject to certain state health insurance regulations and benefit mandates, this type of plan may be less expensive for your group than similar plans on the exchange. In addition, your rate will be determined by expanded criteria including medical history and gender to allow us to better tailor the costs to the unique characteristics of your group.  

6. Wellness benefits 
Through Medical Mutual, the COSE MEWA offers a comprehensive suite of wellness and disease management programs designed to promote healthy lifestyle behaviors. These wellness programs start with a health assessment to provide a baseline to help your employees better understand their health and identify risk factors for disease. Additional programs are available including the Health Resource Center on My Health Plan, fitness discounts, access to the QuitLine program for tobacco users and a WW® (formerly Weight Watchers) reimbursement. 

For more information on the various COSE MEWA product offerings, please contact your broker or Medical Mutual Sales representative. 

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  • Next up: Why You Should Hire High School Interns
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  • Why You Should Hire High School Interns

    Why should you as an employer consider welcoming high school students as interns in your company? As part of the 2018 Cleveland Internship Summit, representatives from local companies, schools and youth-workforce intermediary organizations served as panelists to discuss their experiences with high school internship programs and share advice on the process.

    Participants in the 2018 Cleveland Internship Summit panel, Why Employers Should Consider High School Students for Their Internship Programs, included moderator Joe Spiccia, superintendent of Wickliffe City School District; Craig Dorn, senior vice president at Youth Opportunities Unlimited; Zerrine Bailey, emerging talent network leader at JumpStart; Karyn McAdams, human resource team leader at Parker Hannifin; and Marzell Brown, talent management lead at Rockwell Automation. The focus of the discussion was intended to help the audience understand the elements that make a high school internship experience successful for all parties involved.

    Why a high school internship program could benefit your company

    While some companies might not even realize it’s possible to hire teens as interns, others might be hesitant to do so due to some common misconceptions related to these types of programs, including that high school students are too young, they aren’t ready for this type of experience, they aren’t capable of the work involved or that they don’t have enough to contribute to the internship experience.                

    The panelists identified several reasons why those thoughts on hiring younger interns are not accurate, including the following benefits that they bring to an organization:

    Benefit No. 1: Valuable work. Students at this age are learning things at an earlier and faster rate than many adults. They have a keen interest in and experience with different areas of technology, and can pick up new things quickly.

    Benefit No. 2: New ways of thinking. Having input from varying ages and levels of experience can help improve the energy in your company and add to the diversity of thought and actions your company takes. These younger workers can help improve your brand awareness and appeal to a younger audience.

    Benefit No. 3: Management opportunities. Having high school interns on staff can be a great experience for your college interns. It can give them the opportunity to take on a management and mentorship role when it comes to working with the younger students.

    Benefit No. 4: Workforce development. Your high school intern could very well become a part-time employee while they work their way through a local college program, and then potentially become a future full-time employee with solid work experience.

    Benefit No. 5: Community partnerships. When you begin an internship program for high school students within your company, you have the potential to create long-term sustainable partnerships with valuable organizations and schools within your community.

    How to go about creating a high school internship program

    As companies begin to consider creating a high school internship program, it’s helpful to understand how schools are preparing their students for internships. Many schools offer opportunities to focus on specific industries such as culinary arts, healthcare and more so that students can acquire hands-on skills they will need in the real world. Schools are also bringing in companies to do things like mock interviews, resume writing and job shadowing. These partnerships can be invaluable for, not only the students, but also for the schools and the companies themselves.

    The panelists offered some thoughts on how employers might onboard or supervise high school interns differently than college interns and regular staff members, including:

    • Holding orientation in a more relaxed setting that appeals to and better engages younger workers;
    • conducting separate trainings for each high school intern to establish a connection and ensure they have a thorough understanding of expectations and have their specific questions answered;
    • realizing that, for paperwork purposes, younger students may not have a photo ID, a driver’s license, and other things that are more commonly expected from older hires;
    • understanding that transportation can be a challenge and helping ease this issue by providing bus passes, allowing remote working opportunities or creating ride share options;
    • connecting the interns with specific employees who are excited about working with high school students and who are not biased against their younger age;
    • helping interns build their “soft skills,” such as the importance of being on time, how to communicate in a professional setting, how to take constructive criticism, how to dress, and other things that usually come with experience;
    • ensuring you have clearly defined projects for the interns to work on and clearly identified timeframes in which they will conduct their work; and
    • checking in with your high school interns one-on-one on a regular basis, and providing “light-weight” performance reviews periodically so that they have an understanding of that part of the job process, as well as regular feedback on their performance.

    All panelists advised working with a third-party intermediary group, such as Youth Opportunities Unlimited. Using a broker can help your company go through the process of creating a program and filling your intern staffing needs, as well as assisting you in overcoming any potential challenges that might exist when hiring interns from this particular age group. For a deeper dive into how to create and manage your company's internship program, check out the Greater Cleveland Partnership's Internship Central page.

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  • Next up: Why You Should Offer Health Care Coverage to Your Employees
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  • Why You Should Offer Health Care Coverage to Your Employees


    As a small business owner, you may be deciding if you want to offer health care benefits to your employees. From recruiting and retaining talent to saving your company tax dollars, offering health care benefits can be a win-win situation for both you and your employees. 

    Attract talent

    Many companies offer health care for recruiting and retention purposes to make sure they are attracting the best talent for the job. According to Glassdoor, the top three benefits that make employees the most satisfied include health insurance, paid time off and retirement plans (Glassdoor Economic Research, 2016). Covering these types of benefits will help boost employee morale and productivity on the job.

    Save money

    Offering health care benefits will actually help you save money. Employers and employees pay less for health insurance when it is purchased at a group level because it can be paid for with pre-tax dollars. When you and your employees contribute to premiums, health savings accounts (HSAs) and/or health reimbursement accounts (HRAs), there are even more tax benefits available.

    Network access

    Group health plans often have access to larger networks of doctors and hospitals compared to an individual plan on the public exchange. This can be really important for employees who have already established care with certain providers and don’t want to lose these relationships through a smaller network.

    There’s already a great option for you

    As a COSE member, you have access to the COSE multiple employer welfare arrangement (MEWA) through Medical Mutual. The COSE MEWA is designed as a self-funded benefit option for businesses with 50 or fewer employees. The COSE MEWA was developed to help small business members and their employees manage the increasing cost of healthcare benefits. Talk to your broker or read this article to see if this benefit option makes sense for your business. In addition to the COSE MEWA, you also have access to Affordable Care Act benefit plans with a state premium tax savings through COSE.

    A broker can help

    It may seem complicated to coordinate health insurance benefits for your employees, but it’s actually easier than you think. A broker can guide you through the process and help find the best health plan for you and your employees. If you don’t have a broker, Medical Mutual can help you find a reputable one through our broker network.  Please click here to get started.

    Glassdoor Economic Research. (2016, June 2). New Glassdoor Research Reveals Health Insurance Has Greatest Impact on Employee Satisfaction With Overall Benefits Packages in U.S. [Press release]. Retrieved from https://www.glassdoor.com/press/glassdoor-research-reveals-health-insurance-greatest-impact-employee-satisfaction-benefits-packages/

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  • Next up: Will Changes to Canadian Trademark Laws Impact Your Business?
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  • Will Changes to Canadian Trademark Laws Impact Your Business?

    If you conduct business in Canada or are a trademark owner in Canada, it's imperative that you are familiar with changes on the horizon for Canadian trademark laws, specifically with registration and fees.

    Beginning June 17, 2019, sweeping changes to Canadian trademark laws will finally be in effect. United States entities that conduct business in and are trademark owners in Canada should be aware of some of these key changes, which aim to align Canadian practice with those of other jurisdictions worldwide.

    Requirements of Filing Applications and the Prosecution Process

    First, new Canadian applications will be required to comply with the classification system of goods and services that is already used in the U.S. Historically, Canadian applications had all goods and services included together. This change means that attention will need to be paid to the various classes of goods and services with which U.S. trademark registration owners should already be familiar.  

    Second, new trademark applications filed in Canada will no longer have to include dates of first use. Furthermore, asserting actual use will not be required for a trademark application to proceed to registration. As a result, an intervening party could potentially secure a Canadian registration without proving use in Canada.  In other words, there could be an increase in squatters or trolls obtaining Canadian trademark registrations, to the detriment of valid Canadian trademark owners. A valid trademark owner in Canada might have to address this intervening registrant, which could complicate the owner’s ability to secure its own registration in Canada. This emphasizes the importance of filing applications in Canada sooner rather than later when there is trademark use in Canada, or when it is anticipated in the near future. There will clearly be an increased value in “first to file” under the new Canadian system.

    Third, the expansion of Canadian laws to help protect non-traditional trademarks (such as colors, scents, tastes and moving images) is an interesting development. Other jurisdictions, including the U.S., have already been affording protection to non-traditional trademarks, so this will be a welcome change that will increase the range of Canadian trademark protection. However, non-traditional trademarks will still be subject to examination for distinctiveness, much like in the United States. It could therefore prove difficult to obtain registrations of non-traditional marks unless the trademark owner can provide substantial evidence of extensive use and promotion in the Canadian market.

    Registration Term and Renewals

    The term of a Canadian trademark registration will be 10 years for registrations issued after June 17, 2019, instead of the 15-year term that exists under the current system. The term for registrations that are already in existence before June 17, 2019 will remain at 15 years. Importantly, they will not be converted to a 10-year term until the next renewal deadline arises. Furthermore, any Canadian registration renewed after June 17, 2019 will need to be amended to place the goods and/or services into appropriate separate classes. This means that there could be a cost savings in renewing a Canadian registration prior to June 17, 2019.


    The adoption of the classification system mentioned above will require the creation of a new filing fee system. As is done in the United States, the trademark application filing fee will be based on the number of different classes of goods and services. In the new Canadian system, this fee will be $330 (CDN) for the first class, plus $100 (CDN) for each additional class of goods and/or services. This is a significant change; instead of having a single filing fee, regardless of the number of classes of goods and services, new applications could have drastically higher filing fees if many different classes are included. The current $200 registration fee, however, will be eliminated.

    It may be worthwhile for U.S. trademark owners to review and audit their own portfolio to determine if any cost-savings steps should be taken before June 17, 2019. If you have trademark questions or concerns, either in the United States or in Canada, please reach out to our intellectual property team. We’d be happy to help.

    Sean Mellino is an attorney with Walter | Haverfield who focuses his practice on intellectual property law. He can be reached at smellino@walterhav.com or at 216-928-2925. 

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  • Next up: Workers' Comp Update: Policy Activity Rebate Program Extended
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  • Workers' Comp Update: Policy Activity Rebate Program Extended


    The Greater Cleveland Partnership and COSE have played a major role in the workers’ comp arena for more than 20 years. We’ve helped our members save millions in BWC premiums each year, provided advocacy, education and help navigating the BWC system. 

    In 2016, we partnered with Minute Men HR (MMHR) to provide management of our group savings programs and support our members with Third Party Administrator (TPA) services and sound guidance through personalized policy/program consultation and management.

    In these challenging and unprecedented times, we want you to know that you can count on our workers’ comp team to be your trusted advisor and to find the best options for your specific needs.

    We will be providing timely information about BWC programs that help you save on your BWC premiums, whether you are enrolled in group savings programs or not. Please look for our emails and feel free to visit our Workers’ Comp page at www.cose.org/workerscomp or contact our team by calling 216-452-0107 or email cose@minutemenhr.com.

    January, 2021 – The Policy Activity Rebate Program (PAR)

    The PAR program was introduced as a pilot program and is being offered for the current policy year (7/1/2020 – 6/30/2021). This program is open to employers with premium greater than $350 that are NOT enrolled in a group savings program. Eligible employers can earn a 50% premium rebate (up to $2,000) by completing 11 activities from a list of 33 BWC safety activities. The activities are easy to achieve and, in addition to the premium savings, the activities will help you learn more about the BWC and build a safer workplace.

    A link to the BWC overview is below. Please take the time to review the program. The application deadline is January 29 and the activities must be completed before May 31, 2021.

    For more details about the program, please feel free to contact the MMHR/COSE Workers’ Comp team or your specific BWC rep. 



    We encourage you to be more active in monitoring and managing your policy (if you aren’t already).  The following action items can help you: 

    1. Set up an e-account on the BWC website (www.bwc.ohio.gov).
      1. Pay premiums online through the BWC website to obtain the Go Green rebate
    2. Check your BWC policy online once a month to stay on top of any changes and make sure you don’t have a balance due.
    3. Make sure your contact information is current – on the BWC website and with your Third Party Administrator(TPA) and Managed Care Organization (MCO) so that you never miss important information.

    If you have an e-account, but can’t find your login information, you will need to contact the Ohio BWC at 1-800-644-6292 for assistance in resetting your account information.


    As always, if you have questions or need assistance, please feel free to contact our Workers’ Comp Team at Minute Men HR by calling Client Relations Manager, Maria Mastrandrea at 216-452-0107 or email Maria.Mastrandrea@minutemenhr.com. 

    And if you’re not already taking advantage of being enrolled in the COSE Workers’ Comp Program, please let Maria know and she will help you Maximize Your Membership!

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  • Next up: Workers' Comp: What to Know About Starting, Buying or Moving Your Business
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  • Workers' Comp: What to Know About Starting, Buying or Moving Your Business

    If you are looking to start a new business, buy an existing business or move your business, there are some things you need to know about workers’ compensation coverage. 

    If you are looking to start a new business, buy an existing business or move your business, there are some things you need to know about workers’ compensation coverage. 

    If you are starting a business and plan to have at least one employee, you need to apply for coverage through the Ohio Bureau of Workers’ Compensation (BWC). The most efficient way to do this is online through the BWC website (www.bwc.ohio.gov). Once you apply for coverage, you can take advantage of the Grow Ohio Incentive Program to obtain discounts on your premiums by joining a Group Rating Program. 

    If you are planning to buy an existing business, you need to know a few things. First of all, if you acquire the assets of an existing business—in whole or in part—the workers’ compensation experience of the current owner (predecessor) will be transferred you (successor). This is a BWC policy called Successor Liability. In order to have an idea of what will be in store for you, you can complete a Request for Business Transfer Information (AC-4) form. This needs to be completed and signed by both parties and allows you, as the buyer, to view any outstanding liabilities as well as the risk experience that you will inherit.

    Even if you are not acquiring a business, but are simply moving into a location that was previously occupied by a similar business (i.e., a restaurant), you should try to contact the previous business owner to sign off on the AC-4 so that you are prepared in the event the BWC determines you are a successor.

    If all goes well and you go forward with the acquisition, you are required to notify the BWC by completing a Notification of Business Acquisition/Purchase Merger/Sale (U-118). This can also be completed on the BWC website. 

    Finally, if you are making any changes in your business—changing name or DBA, adding a partner, changing the address or contact information—you need to complete a Notification of Policy Update (U-117). As with the other forms, the U-117 can also be completed online through the BWC website.   

    The Greater Cleveland Partnership and COSE have a team of workers’ comp experts that can help you navigate the complex world of workers’ compensation n and can also help you save money on your premiums through our Group Rating Program.  Call us at 216-5920-2351 or send an email to workerscomp@cose.org if you need some assistance or would like more information about all the ways we can help you.  You can also visit our workers’ comp webpage. www.cose.org/workerscomp

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