Benefit Buzz - June 2026

Learn more about breaking down mental health stigma, the EWG releases the 2026 Dirty Dozen list, and spring cleaning your routine. BREAKING DOWN MENTAL HEALTH STIGMA May is Mental Health Month, a national health observance dedicated to shedding light on mental health conditions and fostering understanding and support for those experiencing them. According to the National Alliance on Mental Illness (NAMI), more than 1 in 5 adults experience mental illness each year. Despite the prevalence of illnesses and increasing recognition of mental health as a critical component of overall well-being, stigma remains a significant barrier to receiving treatment and support. The fear of judgment and discrimination often prevents individuals from seeking help. NAMI reports that roughly half (52%) of adults with a mental illness go without treatment. It’s imperative to raise awareness and educate others about mental health to combat stigma and create a more compassionate and supportive society. Stigma grows in silence, so here are some tips for helping break the silence: • Educate yourself and others . Understanding the complexity of mental illness, including substance use disorders, can help dispel misconceptions. Take the time to learn about mental health conditions, symptoms and treatments. • Talk openly . Break the silence surrounding mental health by initiating open and honest conversations with friends, family and colleagues. Sharing personal experiences or listening without judgment can help create a safe space for others. • Choose words carefully . Avoid stigmatizing words and use person-first language, emphasizing the individual rather than their condition. • Encourage equal treatment of physical and mental health conditions . Mental illness is a medical condition, so it should be treated like any other medical condition. • Speak up . If you suspect someone is struggling, send them messages of support or help them get on the path to treatment. By taking proactive steps to reduce mental health stigma and break down barriers, you can help create an inclusive and supportive environment where everyone feels empowered to seek help. EWG RELEASES THE 2026 DIRTY DOZEN LIST Each year, the Environmental Working Group (EWG) releases the Dirty Dozen, ranking pesticide residue levels based on produce samples taken by federal agencies. Nearly 100% of all conventional fresh produce sampled this year tested positive for potentially harmful pesticides, with Dirty Dozen items accounting for 96% of those samples. Here’s the 2026 Dirty Dozen list: 1. Spinach 2. Kale, collard and mustard greens 3. Strawberries 4. Grapes 5. Nectarines 6. Peaches 7. Cherries 8. Apples 9. Blackberries 10. Pears 11. Potatoes 12. Blueberries The EWG also publishes the Clean Fifteen list. Pineapples, sweet corn and avocados continue to top the list. Nearly 60% of the Clean Fifteen produce had no detectable pesticide residues. Whether organic or not, all properly handled fresh produce is considered safe to eat. The EWG stresses that the benefits of a diet rich in fruits and vegetables outweigh the risk of pesticide exposure. Do your best to get your daily dose of healthy produce while still being an informed shopper. If you’re still uneasy about pesticides after scrubbing your produce, frozen or canned versions can be a great alternative. Ultimately, it comes down to what works best for your household and budget. SPRING CLEAN YOUR ROUTINE Spring isn’t just for cleaning out your closet. It’s also a great time to refresh your mind and body. It’s important to check in on yourself regularly; a routine refresh can help you avoid illness, reduce stress and feel in control. Consider the following ways to freshen up your daily routine this spring: • Assess your current routine. The first step in spring cleaning your routine is to take stock of your current habits and activities. Are there tasks or commitments that no longer serve you? Are there areas where you feel overwhelmed or stressed? • Declutter your home. No clothing, equipment or other belongings are off-limits, so get rid of items you don’t use anymore . • Create space for self-care. Pr ioritize self-care activities or take a few moments each day to relax and recharge. • Reset your recipes with seasonal produce. Spring produce includes vegetables such as asparagus, artichokes, radishes, rhubarb and peas, as well as fruits like strawberries. Inseason produce is picked at the peak of its freshness and nutritional value and is packed with essential vitamins, minerals and antioxidants that boost the immune system. • Establish healthy habits . For example, you could commit to a regular sleep schedule or incorporate more movement into your day. Start spring cleaning your routine today to create one that supports your mental health and enables you to thrive in spring and beyond. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about CMS excludes HRAs and Health FSAs from Medicare Part D and EBSA outlines shifting priorities for ERISA enforcement. CMS EXCLUDES HRAS AND HEALTH FSAS FROM MEDICARE PART D NOTICES The Centers for Medicare and Medicaid Services (CMS) has released a final rule that exempts account-based plans, such as health reimbursement arrangements (HRAs) and health flexible spending accounts (FSAs), from Medicare Part D disclosure requirements. The change applies to coverage beginning January 1, 2027 . As background, employers with group health plans that provide prescription drug coverage to individuals who are eligible for Medicare Part D must inform both those individuals and CMS whether that coverage is creditable. A group health plan's prescription drug coverage is considered creditable if its actuarial value equals or exceeds the actuarial value of standard Medicare Part D prescription drug coverage; coverage that does not meet this standard is deemed noncreditable. For this purpose, the term “group health plan” includes account-based medical plans such as HRAs and health FSAs, to the extent they are employee welfare benefit plans that provide medical care. The final rule exempts account-based plans, such as health FSAs and HRAs (including individual coverage HRAs, or ICHRAs), from the creditable coverage disclosure requirements. According to CMS, these account-based plans do not actually offer prescription drug coverage; rather, they are designed to provide savings on health care costs through pretax contributions and reimbursements to supplement other health coverage. CMS explains that requiring these plans to determine if their coverage is creditable and report that status unduly increases administrative burden and could result in confusion for beneficiaries. Employers should continue to comply with existing creditable coverage disclosure requirements until the rule takes effect, keeping in mind that the exclusion applies only to account-based plans. Group health plans that offer prescription drug coverage remain subject to the Medicare Part D disclosure requirements. EBSA OUTLINES SHIFTING PRIORITIES FOR ERISA ENFORCEMENT The U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) has released a memorandum outlining its enforcement priorities and guiding principles under the Employee Retirement Income Security Act of 1974 (ERISA). According to EBSA, these priorities and principles are designed to ensure that the agency’s enforcement is “fair, even-handed, responsive and focused.” The memorandum reflects an overall shift to prioritize enforcement actions related to violations of the duty of loyalty rather than prudence in the operation of employee benefit plans. EBSA’s memorandum outlines the following general standards for the agency’s enforcement actions: • Focusing enforcement on the most egregious conduct and significant harm, particularly criminal cases and civil investigations where there is direct evidence of disloyalty or impermissible conflicts of interest; • Ensuring the agency does not regulate by enforcement and instead uses the notice-andcomment rulemaking process and sub-regulatory guidance to drive policy; • Requiring proper review by senior agency officials of all significant enforcement activities; and • Committing to timely and responsive enforcement. Private-sector employers should periodically review their compliance with ERISA’s fiduciary requirements, including adherence to the duty of loyalty and avoidance of prohibited transactions involving impermissible conflicts of interest. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about nipping seasonal allergies in the bud, the impact of chronic stress, and cutting down on added sugars. NIP SEASONAL ALLERGIES IN THE BUD Springtime allergies are an annual nuisance for many people. As plants begin to bloom and people start to cut their grass more frequently, allergy sufferers nationwide start sniffling and sneezing. If this sounds familiar, you may have seasonal allergies, which are symptoms that occur at specific times of the year, typically when allergens are released into the air. The most common spring allergy trigger is tree pollen, which peaks from March to May. What’s more, mold growth blooms both indoors and outdoors, making it almost impossible to escape allergy triggers. According to the Asthma and Allergy Foundation of America, 1 in 4 adults experience seasonal allergies from pollen from trees, grass and weeds. Similar to other types of allergies, seasonal allergies develop when your body’s immune system detects and then overreacts to a foreign substance it thinks is harmful. For some, allergy symptoms may consist of sneezing a couple of times a year. But for others, seasonal allergies can cause congestion, a runny, itchy or stuffy nose, watery eyes, headaches and more for weeks or months at a time. To reduce your allergies, consider the following strategies: • Wash your bedding every week in hot water to help keep pollen under control. • Take a shower after spending time outdoors, as pollen can stick to your hair, skin and clothing. • Limit the number of throw rugs to reduce dust and mold. Also, opt for washable rugs. • Clean your floors often with a vacuum that has a HEPA filter. • Change your air conditioner and heating HEPA filters often. Treatment for most allergies is available both over the counter and by prescription. If your allergy symptoms are severe or chronic, you may need a series of allergy shots. Contact your doctor or ask for a referral to an allergist to determine which seasonal allergy treatment option is best for you. THE IMPACT OF CHRONIC STRESS Stress is defined as a “state of worry or mental tension” often brought on by a difficult situation. It’s a natural reaction to perceived threats. Stress can be a good thing in small doses; it’s the body’s way of handling sudden demands and challenges. Stress responses can enhance your focus, increase energy and promote quick responses. However, frequent and long-term chronic stress can negatively impact your health. Stress triggers are deeply personal, and each person experiences this feeling differently. While stress is a normal part of life that comes and goes as you navigate various life circumstances (e.g., getting a new job or presenting a project), chronic stress is different. It’s characterized by prolonged and constant feelings of pressure and anxiety. Chronic stress can contribute to feelings of anxiety and depression, issues with high blood pressure, a weakened immune system, sleep disturbances and digestive issues. If left unchecked, it can have a long-lasting impact on your physical and mental well-being. If you’re experiencing symptoms of chronic stress, reach out to your health care provider or employee assistance program for guidance and support. CUTTING DOWN ON ADDED SUGARS Sugar is woven into the modern diet—often in ways that aren’t obvious. While naturally occurring sugars can be part of a balanced eating pattern, added sugars are a different story. The 2025–2030 Dietary Guidelines for Americans (DGA) reflects mounting research that reducing added sugars can improve metabolic health and lower long-term disease risk. The DGA recommends limiting added sugars as much as possible and advises that a single meal contain no more than 10 grams of added sugar. Cutting back doesn’t have to happen overnight. Small, consistent changes can make a meaningful difference, so start with these strategies: • Rethink your beverages by swapping sugar-sweetened drinks for water, sparkling water, unsweetened tea and coffee served black or with minimal sweetener. • Choose whole, fresh fruit over fruit juice. • Build meals around whole foods , including vegetables, whole grains, lean proteins, healthy fats and whole fruits. • Reduce sweetness gradually to make it easier to adapt without feeling deprived. • Read nutrition labels carefully , checking both total sugars and added sugars. Reducing added sugar is not about eliminating all sweet foods or striving for perfection, but about awareness and balance. Occasional treats can fit into a healthy eating pattern, but daily habits matter most. Meal planning, mindful grocery shopping and paying attention to labels can help you stay within recommended limits. Over time, cutting back on added sugars may improve energy levels, weight management and overall health. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the IRS proposing rules on Trump Account for children and employers should prepare for 2026 RxDC Reporting. IRS PROPOSES RULES ON TRUMP ACCOUNTS FOR CHILDREN On March 9, 2026, the IRS released two proposed rules regarding Trump Accounts. Created by the One Big Beautiful Bill Act, Trump Accounts are a new type of tax-favored savings account for children under the age of 18 that will be available later in 2026. One proposed rule addresses the federal government’s $1,000 pilot program, while the other proposed rule includes general requirements for Trump Accounts. Contributions to Trump Accounts may start July 4, 2026 , and can be made by anyone. Under the pilot program, children born between 2025 and 2028 may receive a special $1,000 contribution to their Trump Accounts from the federal government if certain requirements are met. Contributions are subject to an annual limit of $5,000 (subject to cost-of-living adjustments after 2027), although certain types of contributions are not counted toward this limit. The accounts are treated similarly to traditional IRAs for tax purposes, with special rules applying during a “growth period” that ends on Dec. 31 of the year before the calendar year in which the child reaches age 18. Employers may contribute to the Trump Account of an employee or an employee’s dependent pursuant to a Trump Account Contribution Program. Contributions are limited to $2,500 per employee per year, subject to cost-of-living adjustments after 2027. Employers can also allow employees to make salary reduction contributions to their dependents’ Trump Accounts under a Section 125 cafeteria plan. Taxpayers will use a new IRS form (Form 4547, Trump Account Election(s)) to establish Trump Accounts for eligible children. This same form is used to make an election to participate in the federal government’s $1,000 pilot program. For more information on Trump Accounts, visit trumpaccounts.gov and see Form 4547 instructions. EMPLOYERS SHOULD PREPARE FOR 2026 RXDC REPORTING Group health plans and health insurance issuers must annually submit detailed information on prescription drug and health care spending to the Centers for Medicare and Medicaid Services (CMS). This reporting is referred to as the prescription drug data collection (RxDC report). The next RxDC report is due by June 1, 2026 , covering data for 2025. Most employers contract with third parties, such as issuers, third-party administrators (TPAs) and pharmacy benefit managers (PBMs), to submit RxDC reports on behalf of their health plans. Employers may work with multiple third parties to complete the RxDC report for their health plans. A health plan’s submission is considered complete if CMS receives all required files, regardless of who submits them. If an issuer is required by written agreement to submit the RxDC report for a fully insured health plan but fails to do so, then the issuer (not the plan) violates the reporting requirements. However, the RxDC reporting liability stays with a self-insured health plan, even if a third party contractually agrees to submit the required information. Employers should start reaching out to their issuers, TPAs or PBMs, as applicable, to confirm that they will submit the RxDC files for their health plans by June 1, 2026. Employers should also confirm that their written agreements with these third parties address this reporting responsibility. Also, employers will likely need to provide their third-party vendors with plan-specific information, such as enrollment and premium data, to complete their RxDC submission. Employers should watch for these vendor surveys and promptly provide the requested information. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here. Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx

Learn more about building healthy habits, Top 2026 health trends, and understanding kidney health. BUILD HEALTHY HABITS WITH "WELLNESS STACKING" Building healthy habits doesn’t have to mean overhauling your entire lifestyle. In fact, small, meaningful changes are often the most sustainable. That’s the idea behind wellness stacking, a method that helps you build better routines by pairing new habits with behaviors you already do every day. By linking a new action to an existing routine, you create a simple structure that makes healthier choices easier and more automatic. Wellness stacking works because your brain thrives on predictable patterns. Existing habits, such as brushing your teeth or making your morning coffee, act as “anchors.” When you attach a small wellness habit to one of these anchors, your brain begins to connect the two behaviors. Over time, the new habit requires less effort because it becomes part of an established routine. This reduces the mental load of having to remember to be healthy and makes consistency feel natural rather than forced. Getting started with wellness stacking is simple. First, identify your daily anchor habits—the things you do without thinking. These might include waking up, sitting down at your desk, eating lunch or winding down at night. Next, choose a small wellness habit that aligns with your goals, such as drinking a glass of water, stretching for one minute, taking a brief walk or practicing a few deep breaths. Attach the new habit to the existing one using a clear structure. Then, keep the new behavior small, easy, and repeatable to help it stick. Here are some examples of habit stacks: • After I wake up, I will drink a full glass of water. • While my coffee brews, I will do one minute of light stretching. • When I sit down at my desk, I will take five deep breaths. • After lunch, I will take a five‑minute walk. • Before brushing my teeth at night, I will write down one thing I’m grateful for. • After I turn off the TV, I will prepare water or snacks for tomorrow. By connecting tiny wellness habits to moments already built into your day, you can create sustainable changes. Reach out to a health care professional for further guidance. U.S. NEWS & WORLD REPORT REVEALS TOP 2026 HEALTH TRENDS This year, U.S. News & World Report (U.S. News) replaced its long-running Best Diets annual rankings with a Top Health and Nutrition Trends report. The findings reflect survey results from a panel of 58 experts, including doctors, dietitians and health researchers. The experts were asked which emerging health trends would have the greatest impact in 2026. Here are their top predictions: 1. Expanded use of glucagon-like peptide-1 (GLP-1) drugs —About 1 in 5 adults have used GLP-1 medications, and usage rates are rising as costs decrease and pill versions of these formerly injectable drugs become available. GLP-1’s popularity will grow as its use broadens beyond obesity and Type 2 diabetes, tackling other conditions. 2. Integration of artificial intelligence (AI)and wearable technology —Wearable tech can reveal simple health information, and can provide real-time information and personalized recommendations when paired with AI. Many people are opting for smartwatches and smart rings that track metrics, such as physical activity, sleep and food. 3. Greater use of “food as medicine” —While this concept isn’t necessarily new, it does recognize that the foods consumed directly impact health. Experts predict a return to the basics of whole, nutritious food this year. While plant-based food, sustainable sources and meat alternatives used to dominate the U.S. News’s diet rankings, those trends landed at the bottom of this new health report. Today’s reality is that more people are focusing on ways to incorporate animal products they consider sustainable and ethical. Consult your doctor for more information about these health trends or for guidance in setting your own health goals for the year. UNDERSTANDING KIDNEY HEALTH March is National Kidney Month, making it a great time to take charge of your health by lowering your chances of developing kidney disease. Kidneys filter blood to remove waste products and excess water, creating urine. They also produce vital hormones that help create red blood cells, promote bone health and regulate blood pressure. The National Kidney Foundation reports that 1 in 3 adults are at risk for kidney disease. Kidney disease is the 9th leading cause of death in the United States. Today, 14% of adults are affected by kidney disease—and 90% of them don’t know it. Most won’t have symptoms unless their kidneys fail. There are some physical signs of kidney disease, but most people attribute them to other conditions. Here are risk factors for kidney disease: • Diabetes • Family history of kidney disease • Heart disease • High blood pressure • Excess weight • Smoking Taking care of your kidneys is essential because they work continuously to keep your body healthy. Regular testing can help detect early signs of kidney issues, while limiting over‑the‑counter pain relievers reduces the risk of kidney damage. Healthy habits, such as daily exercise, plant-based protein and hydration, support kidney function and can help protect your kidneys for the long term. Contact your doctor for more information about kidney health and warning signs of kidney disease. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the New Federal Transparency Requirements and updated model HIPAA Privacy Notices for Part 2 Records. NEW FEDERAL TRANSPARENCY REQUIREMENTS FOR PBMS On Feb. 3, 2026, the Consolidated Appropriations Act (CAA) of 2026 was signed into law, a funding package containing significant reforms for the pharmaceutical benefit manager (PBM) industry. As background, health plans generally rely on PBMs to process prescription drug claims, design pharmacy networks and negotiate rebates from drug manufacturers. In recent years, the PBM industry has faced growing scrutiny amid questions from stakeholders regarding a lack of transparency and certain practices, such as retaining a share of drug manufacturer rebates. To address these growing concerns, the CAA creates the following new disclosure requirements, effective for plan years beginning on or after Aug. 3, 2028: • PBMs must provide group health plans and health insurance issuers with detailed drug spending data at least twice per year, or quarterly if requested. PBMs must also supply drug spending summary documents that health plans can share with participants upon request. • Each year, health plans must provide participants and beneficiaries with a written notice explaining that their PBM is required to submit prescription drug spending reports. In addition, in order for their contracts to be considered reasonable under the Employee Retirement Income Security Act, PBMs must pass on 100% of all rebates, fees, alternative discounts and other remuneration to health plans and issuers. This change is also effective for plan years beginning on or after Aug. 3, 2028. Separately, the U.S. Department of Labor announced on Jan. 28, 2026, a proposed rule that would establish new PBM fee-disclosure obligations, further underscoring the federal government’s increasing focus on regulatory oversight of the industry. HHS UPDATES MODEL HIPAA PRIVACY NOTICES FOR PART 2 RECORDS On Feb. 13, 2026, the U.S. Department of Health and Human Services (HHS) released updated model Notices of Privacy Practices (Privacy Notices) under the Health Insurance Portability and Accountability Act (HIPAA) for health plans and health care providers to use. HIPAA-covered entities must update their Privacy Notices if they receive or maintain patient records regarding substance use disorder (SUD) treatment provided by a federally assisted treatment program (i.e., a “Part 2 program”). The deadline for making this update was Feb. 16, 2026. As background, Part 2 is a federal law that protects the confidentiality of patient records for individuals receiving services for SUDs, which are called Part 2 records. A final rule issued by HHS in April 2024 requires covered entities to update their HIPAA Privacy Notices if they receive or maintain Part 2 records. The updated Privacy Notices must address how the covered entity may use and disclose Part 2 records, the entity’s responsibilities with respect to the records and individuals’ privacy rights. According to HHS, its updated model Privacy Notices reflect the changes for Part 2 records. Employers with self-insured health plans should ensure their HIPAA Privacy Notices are updated for the new privacy requirements for Part 2 records. Employers with fully insured health plans that have access to protected health information should also ensure their HIPAA Privacy Notices are updated for the new requirements. Health plans that use HHS’ model Privacy Notice should customize it by entering their own information. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here. Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx

Learn more about eating real food, vitamin D supplements, and winter self-care tips. EATING REAL FOOD Nutrition is the foundation of health, influencing disease prevention and overall well-being. Dietary habits can shape long-term health outcomes. The Dietary Guidelines for Americans, 2025-2030, reflects the latest in nutrition science and public health needs, marking what public health officials describe as the most “significant reset” of federal nutrition policy in decades. At its core, the new dietary guidance emphasizes a simple directive: “Eat real food.” The 2025-2030 guidelines define real food as whole, nutrient-dense and naturally occurring, placing it back at the center of Americans’ diets. Here are some major changes to the guidelines from the previous recommendations: • The New Pyramid —The latest update features an inverted pyramid that places meats, cheese and vegetables in the widest part at the top, reversing a long-standing visual representation of the American diet and shifting away from the circular MyPlate image. This flexible framework is designed to guide better choices, rather than dictating specific meals. • Ultra-processed foods (UPFs) —For the first time, the guidelines specifically call out UPFs. Americans are advised to avoid packaged and ready-to-eat foods that are salty or sweet (e.g., chips, cookies and candy) and limit foods and beverages with artificial flavors, dyes, preservatives and sweeteners. • Protein —The new guidelines prioritize protein at every meal, with a goal to get 1.2 to 1.6 grams per kilogram of a person’s body weight daily, nearly double the previous advice. Americans are encouraged to obtain their protein from both animal sources (e.g., eggs, poultry, seafood and red meat) and plant-based sources (e.g., beans, peas, lentils, legumes, nuts, seeds and soy). • Dairy —The updated version prioritizes full-fat dairy with no added sugars, marking a major shift from the long-standing recommendation for fat-free or low-fat milk and yogurt. • Added sugars —The guidelines note that no amount of added sugar is healthy. As such, adults should limit their intake to no more than 10 grams per meal, and no amount of added sugar is suitable for children aged 5 to 10. • Alcohol —The general recommendation now is to simply limit alcohol consumption without providing exact figures. To learn more about the new dietary guidelines, visit RealFood.gov. Individuals should consult with their health care provider for personalized guidance. UNDERSTANDING VITAMIN D SUPPLEMENTS Vitamin D is especially important during the winter because reduced sunlight exposure limits the body’s ability to produce it naturally, increasing the risk of deficiency. This nutrient plays a critical role in maintaining strong bones and teeth by aiding calcium absorption, supports immune function to help fight seasonal illnesses and regulates mood. Since shorter days and colder weather make sun exposure difficult, incorporating vitamin D-rich foods or supplements becomes essential for overall health during the winter months. Doctors and pharmacists often recommend D3 to individuals who need vitamin D supplements. Forms of these supplements include capsules, gummies, liquid products, powders, and dissolving tablets. It’s important to purchase high-quality supplements that have been independently tested. While dietary supplements, including vitamin D3, can be beneficial, they can cause harm when used unnecessarily. It’s possible to get too much vitamin D. When you overdose, calcium builds up in your blood. This condition, known as hypercalcemia, can cause nausea, vomiting, weakness, decreased appetite, constipation and frequent urination. Vitamin D toxicity also has the potential to progress to irregular heart rhythms, kidney stones and even kidney failure. The Food and Drug Administration recommends that all consumers consult their doctor or pharmacist before taking supplements. WINTER SELF-CARE TIPS Amid the chill of winter and shorter days during the colder months, it’s crucial to prioritize self-care. Winter brings unique challenges, but you can thrive during this season with the right self-care practices. Such rejuvenating winter habits can leave you feeling cozy, refreshed and ready to conquer the cooler days ahead. Try these self-care tips: • Prioritize hydration. The dry air can take a toll on your skin and overall well-being, so be sure to stay hydrated. • Nourish your body with seasonal foods . Opt for nourishing, seasonal foods (e.g., sweet potatoes and Brussels sprouts) that support your immune system and provide comfort. • Move your body . Maintaining an active lifestyle is vital to well-being, even during winter. Indoor exercises, winter sports or even a brisk walk in the cold air can invigorate your body and mind. • Ensure sufficient rest. The longer nights of winter provide an excellent opportunity to prioritize sleep. Create a relaxing bedtime routine and strive for at least seven hours of sleep each night. • Create a cozy sanctuary. Enhance your living space with elements that promote warmth and relaxation, such as soft blankets, scented candles or diffusers. • Embrace outdoor activities. Even in small doses, fresh air and sunlight can do wonders for your mental health. • Establish a relaxing evening routine . A consistent evening routine can help signal to your body that it’s time to wind down, promoting restful sleep. Keep in mind that self-care is an ongoing process, and finding what works best for your mind and body is key to a fulfilling and balanced winter season. These tips are simply a starting point. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the DOL Updates and DOL Issues Opinion Letters on using FMLA Leave. DOL UPDATES EMPLOYEE BENEFIT PLAN ENFORCEMENT PROJECTS FOR 2026 The U.S. Department of Labor (DOL) has announced updates to its national enforcement projects for fiscal year 2026. According to the DOL, these projects highlight areas in which the agency will prioritize enforcement efforts to enhance overall employee benefit plan compliance, address abusive practices, and strengthen protections for plan participants and beneficiaries. Under the updated initiatives, DOL investigators will prioritize cases related to: • Cybersecurity —This project addresses the growing risks cyberattacks pose to employee benefit plans and participants. • Mental health and substance use disorder (MH/SUD) benefits —The DOL will target violations by plans and service providers that block participants and beneficiaries from accessing promised MH/SUD benefits. • Surprise billing —This project reviews compliance with the No Surprises Act (NSA), ensuring plans follow the prudent layperson standard for emergency services, apply in‑network cost‑sharing to NSA‑protected services and provide required notices and disclosures. • Protecting benefit distributions —This initiative aims to ensure that participants receive retirement benefits owed to them when plan sponsors fail to act, struggle financially or abandon their plans. • Retirement asset management —This project focuses on protecting retirement income by ensuring fiduciaries prudently select and monitor plan investments. • Criminal abuse of contributory benefit plans — This initiative centers on protecting workers who contribute to employer-sponsored retirement and health benefit plans from criminal abuse. DOL ISSUES OPINION LETTERS ON USING FMLA LEAVE The DOL recently released two opinion letters regarding employee leave under the federal Family and Medical Leave Act (FMLA). The first opinion letter addresses the use of FMLA leave when an employer is closed for part of a week. Under the DOL’s interpretation, leave during the closure is counted against the employee’s FMLA leave if: • The employee took the entire week as FMLA leave. • The employee was scheduled and expected to work during that period and used FMLA leave for that time. The letter responded to a school employer’s question of how to count FMLA leave used during weather-related school closures. The second opinion letter addresses travel time to medical appointments during FMLA leave for a serious health condition. According to the DOL, travel time to and from medical appointments for an employee’s or their family member’s serious health condition is covered by the FMLA. The opinion letter states that medical certifications in support of leave due to a serious health condition do not have to include information about travel time. The letter also contains examples of travel time that would and would not qualify for FMLA leave. DOL opinion letters do not have the force of regulations, laws or court rulings and apply only to the specific situation submitted. However, the letters are useful to employers as an indication of the DOL’s interpretation of the laws and regulations it enforces. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here. Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx

Learn more about clearing clutter for your health, the health benefits of dry January, and how to rescue your skin this winter. CLEAR THE CLUTTER FOR YOUR HEALTH January is recognized as Get Organized Month, making it the perfect time to refresh your space and mindset. Clutter doesn’t just take up physical space—it can weigh on your mental health, increase stress and even impact productivity. By clearing the clutter, you set yourself up for a healthier, more successful year. A survey commissioned by The Container Store revealed that 7 in 10 Americans pin the success of a new year on a clutter-free home Being organized extends beyond having a neat desk or a tidy home; it has a direct impact on your overall well-being. A cluttered environment can lead to feelings of overwhelm and anxiety, making it harder to concentrate and complete tasks efficiently. When your surroundings are orderly, your mind feels clearer, decision-making becomes easier and stress levels drop. Organization also saves time and energy, allowing you to focus on what truly matters instead of searching for misplaced items or juggling chaos. In short, an organized space creates a sense of control and calm that benefits both your mental and physical health. Getting organized may seem overwhelming, but small, manageable steps can add up to big results: • Start small. Pick one area, such as a drawer, a shelf, or even your email inbox, and tackle it first. Success in one spot builds momentum. • Declutter daily. Spend just 10 minutes each day putting things back in their place. This simple habit prevents clutter from piling up. • Create systems. Use labeled bins, folders or digital tools to keep items easy to find. • Go digital. Reduce paper clutter by scanning important documents and storing them securely in the cloud. • Set limits. Adopt a “one in, one out” rule for new items to keep your space from becoming overcrowded. Organization isn’t about perfection—it’s about creating a space that supports your goals and wellbeing. By making small, consistent changes, you’ll feel more in control and energized for the year ahead. HEALTH BENEFITS OF DRY JANUARY As the holidays end, Dry January is a popular wellness challenge where participants abstain from alcohol for the entire month. This initiative encourages people to take a break from drinking after the often-indulgent holiday season. The goal is to reassess one’s relationship with alcohol and start the new year with a fresh perspective. Many people use the month to reflect on their drinking habits and make more mindful choices about alcohol. While a month of sobriety can seem overwhelming to some, it comes with some advantages. A brief break from moderate to heavy alcohol consumption may offer the following health-related benefits: • Better sleep • Increased focus • Improved mood • Boosted energy • Clearer complexion • Potential weight loss Alcohol can also contribute to various health conditions, such as high blood pressure, kidney or liver problems, heart disease and certain cancers. As such, a period of sobriety can positively affect one’s well-being and overall health. If you have any questions or concerns about your alcohol consumption, talk to a health care professional. RESCUE YOUR SKIN THIS WINTER Taking care of your skin properly can be challenging. The task can seem almost impossible to achieve when the temperature and humidity levels drop. Having dry skin may not seem like the most concerning health issue, but not treating it can result in itchiness, cracked or painful skin, as well as eczema and dermatitis. A Harris Poll found that 6 in 10 Americans say their skin feels "unhealthy" during the winter. Consider these skin care tips for the winter months: • Adjust your shower routine. The length and temperature of your showers can significantly impact the dryness of your skin. Long and hot showers during the cold months can strip the natural oils from your skin, leaving it dry. Try short, lukewarm showers instead. • Use moisturizer. Applying moisturizer, especially after showering, can help keep your skin hydrated and prevent dryness. • Avoid products with fragrances. Oftentimes, the better a product smells, the more irritating it can be for your skin. As such, consider choosing fragrance-free skin products and laundry detergents. • Use a humidifier. Humidifiers can add moisture to the air within your home, helping to prevent and relieve environmental dryness. • Stay hydrated. Ensure you’re drinking enough water throughout the day to improve the appearance of your skin and reduce its susceptibility to dryness. Talk to your health care provider if you have specific skin health concerns. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.