MFC Benefits LLC Blog

Live Well, Work Well - April 2026

Wed, 22 Apr 2026 18:49:25 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

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.

Benefit Buzz - April 2026

Wed, 08 Apr 2026 13:48:07 GMT

Benefit tips brought to you by MFC Benefits, LLC

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

Live Well, Work Well - March 2026

Wed, 01 Apr 2026 14:21:16 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

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.

Benefit Buzz - March 2026

Thu, 19 Mar 2026 17:22:01 GMT

Benefit tips brought to you by MFC Benefits, LLC

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.

Live Well, Work Well - February 2026

Thu, 05 Mar 2026 13:27:27 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

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.

Benefit Buzz - February 2026

Mon, 16 Feb 2026 19:21:43 GMT

Benefit tips brought to you by MFC Benefits, LLC

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.

Live Well, Work Well - January 2026

Tue, 27 Jan 2026 13:41:43 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

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.

Benefit Buzz - January 2026

Wed, 14 Jan 2026 13:57:45 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about IRS providing guidance on Trump accounts for children and PCORI Fee amount adjusted for 2026.

IRS PROVIDES GUIDANCE ON TRUMP ACCOUNTS FOR CHILDREN

On Dec. 2, 2025, the IRS issued Notice 2025-68 announcing upcoming regulations and providing initial guidance 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.

Contributions to Trump Accounts may start July 4, 2026 , and can be made by anyone, including the account beneficiary, parents or guardians, grandparents, employers, philanthropic contributors or any other source. Children born between 2025 and 2028 may be eligible to receive a special $1,000 contribution from the federal government through a pilot program.

Taxpayers will use IRS Form 4547 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. A draft version of Form 4547 is available here.

Notice 2025-68 clarifies that Trump Accounts are a type of traditional individual retirement account subject to special rules during the “growth period,” which is the period that ends before Jan. 1 of the calendar year in which the account beneficiary attains age 18.

Employers can contribute to the Trump Account of an employee or an employee’s dependent pursuant to a Trump Account Contribution Program. These contributions are not includible in the employee’s income for federal tax purposes. Contributions are limited to $2,500 per employee per year , subject to cost-of-living adjustments after 2027. This program must be established pursuant to a written plan document and must meet certain tax rules that apply to dependent care assistance programs regarding discrimination, eligibility, notifications and benefits.

Also, employers can allow employees to make pretax contributions to their dependents’ Trump Accounts through a Section 125 cafeteria plan.

PCORI FEE AMOUNT ADJUSTED FOR 2026

The IRS recently issued Notice 2025-61 to increase the Patient-Centered Outcomes Research Institute (PCORI) fee amount for plan years ending on or after Oct. 1, 2025, and before Oct. 1, 2026. The updated PCORI fee amount is $3.84 multiplied by the average number of lives covered under the plan. For plan years that ended on or after Oct. 1, 2024, and before Oct. 1, 2025, the PCORI fee amount is $3.47 multiplied by the average number of lives covered under the plan.

The PCORI fee is imposed on health insurance issuers and self-insured plan sponsors to fund comparative effectiveness research. It applies through the plan or policy year ending before Oct. 1, 2029.

PCORI fees are reported and paid annually on IRS Form 720 (Quarterly Federal Excise Tax Return). These fees are due each year by July 31 of the year following the last day of the plan year. For plan years ending in 2025, the PCORI fee is due by July 31, 2026. Employers with self-insured health plans should have reported and paid PCORI fees for 2024 by July 31, 2025.

The PCORI fees are calculated based on the average number of covered lives under the plan or policy. This generally includes employees and their enrolled spouses and dependents unless the plan is a health reimbursement arrangement (HRA) or health flexible spending account (FSA). Final rules outline a number of alternatives for issuers and plan sponsors to determine the average number of covered lives.

More information on PCORI fees is available from the IRS, including an overview, common questions and answers and a chart summarizing the fees' application to common types of health coverage.

Live Well, Work Well - December 2025

Mon, 22 Dec 2025 15:41:20 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about preventing burnout during the holiday season, mindful holiday eating, and learning your family health history.

PREVENTING BURNOUT DURING THE HOLIDAY SEASON

Everyday life can be hectic enough without the added pressure of the holidays, which can also be a source of major stress and burnout for many people. Burnout isn’t just about being tired; it’s emotional, mental and physical depletion caused by prolonged stress. However, with some planning and self-care, you can protect your mental and physical well-being while still enjoying the festivities.

The American Psychological Association reports that the holiday season brings added stress for 2 out of every 5 people.

Consider these tips to help prevent burnout:

• Set realistic expectations. Social media and cultural norms often create pressure. Focus on meaningful experiences rather than flawless decorations, trendy outfits or extravagant gifts. Gratitude journaling can help shift your mindset toward what truly matters.

• Start early. No matter your holiday plans, spreading out your tasks and starting early will help with stress levels. This way, you won’t be waiting until the last minute to complete tasks and rushing through responsibilities.

• Take time to recharge. Self-care during the holidays isn’t indulgent; it’s essential. Regular breaks from daily stressors can prevent burnout by helping your body and mind relax and recharge. Rest restores your energy, boosts your mood and increases productivity.

• Maintain boundaries. Boundaries protect your emotions and your physical space. They can be a healthy strategy as you navigate the holiday season and a full calendar. Only commit to the invitations or requests that truly matter to you and let go of the rest.

• Make a list of all visible and invisible tasks. Often, the mental load of holiday planning falls on one person and can go unnoticed. For example, “buying a gift” includes making a budget, understanding interests or sizes, deciding on a gift, purchasing it and wrapping it. When invisible labor becomes visible, it’s easier to delegate tasks and ask for help. While these practical strategies can help address some holiday stressors, you should also seek further support from a doctor or mental health professional.

MINDFUL HOLIDAY EATING

The holiday season often means more parties and gatherings—and an abundance of festive food and drinks. However, practicing mindful holiday eating can help you savor the season without overdoing it. This healthy approach encourages focusing on preparing and consuming food in a distraction-free environment. Mindful eating offers physical and mental health advantages, such as better body cue recognition, overeating prevention, healthier food choices, stress reduction and weight loss.

Consider the following mindful eating tips:

• Honor your hunger and satiety cues.

• Start with small portions.

• Use all five senses when you eat.

• Take small bites and chew slowly.

• Limit distractions while eating.

• Don’t skip meals.

Mindful eating doesn’t mean avoiding your favorite holiday foods. It’s simply about bringing more awareness and enjoyment to your food. You can also try to prioritize the social aspect of gatherings and engage in meaningful conversations to reduce your focus on food.

By practicing mindful holiday eating, you can enjoy the season and create lasting memories. Contact a dietitian if you need guidance on mindful eating.

LEARNING YOUR FAMILY HEALTH HISTORY

Most people have a family history of at least one chronic disease. Your family health history is one of the most powerful tools for understanding your risk for disease and conditions like heart disease, diabetes and certain cancers. Knowing this information can help you and your health care provider make informed decisions about screenings, lifestyle changes and preventive care.

A 23andMe survey revealed that although 9 out of 10 Americans agree that knowing family health history is important for knowing their own health risks, fewer than half (38%) actually know it.

The holiday season is a great time to gather or update family health history information so you can take charge of your health in the new year. Consider asking your family members these questions:

• What is your family’s ancestry or ethnic background?

• Do you have any chronic diseases, such as heart disease, diabetes or obesity?

• Do you have any health conditions, such as high blood pressure, high cholesterol or asthma?

• Have you been diagnosed with any other serious health issues, such as cancer, stroke or Alzheimer’s disease?

• How old were you when each of these diseases or health conditions was diagnosed?

Remember to ask about the cause and age of death for relatives who have died. It’s important to record your family health history and continually share updates with family members. The U.S. surgeon general’s web-based tool, My Family Health Portrait, can help you keep track of information. If you have health concerns, talk with your doctor.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - December 2025

Tue, 16 Dec 2025 16:18:12 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about IRS releasing Employee Benefit Plan Limits and Federal Agencies outline options for offering Fertility Benefits.

IRS RELEASES EMPLOYEE BENEFIT PLAN LIMITS FOR 2026

Many employee benefits are subject to annual dollar limits that are updated for inflation before the beginning of each calendar year. Note that some benefit limits are not adjusted for inflation, such as the catch-up contribution limit for health savings accounts (HSAs).

Although the contribution limit for dependent care flexible spending accounts (FSAs) is not indexed for inflation, the One Big Beautiful Bill Act increased the limit, effective for 2026.

Employers should confirm that payroll systems are updated for 2026 limits and that the new limits are communicated to employees. The following benefit limits apply for 2026:

HSA Contributions

- Single coverage: $4,400 (up $100 from 2025);

- Family coverage: $8,750 (up $200 from 2025); and

- Catch-up contributions: $1,000

Health FSA Limits

- Employee pre-tax contributions: $3,400 (up $100 from 2025); and

- Carryover of unused funds: $680 (up $20 from 2025)

Dependent Care FSA Contributions

- $7,500 or $3,750 if married and filing taxes separately (up from prior years’ limit of $5,000 and $2,500, respectively)

401(k) Contributions

- Employee elective deferrals (pre-tax and Roth contributions): $24,500 (up $1,000 from 2025);

- Catch-up contributions: $8,000 (up $500 from 2025). A higher catch-up contribution limit ($11,250, no change from 2025) applies to participants ages 60-63; and

- FICA wage threshold for Roth catch-up contribution mandate: $150,000 (new requirement for 2026)

Transportation Fringe Benefits

- Monthly limits: $340 (up $15 from 2025)

FEDERAL AGENCIES OUTLINE OPTIONS FOR OFFERING FERTILITY BENEFITS

Federal agencies have released joint guidance clarifying existing categories of excepted benefits that employers can use to offer fertility benefits. Excepted benefits are certain types of employee benefits that are not subject to HIPAA’s portability rules or the ACA’s market reforms.

The guidance follows Executive Order 14216, which directed the Domestic Policy Council (DPC) to submit a list of policy recommendations to protect in vitro fertilization (IVF) access and reduce out-of-pocket and health plan costs for IVF treatment. As part of those policy recommendations, the DPC recommended issuing guidance that would allow employers to expand access to coverage for fertility through the provision of an excepted benefit.

The new guidance provides that employers may offer:

- Fertility benefits as an independent, noncoordinated excepted benefit, if certain conditions are met;

- An excepted benefit health reimbursement arrangement (HRA) that covers an employee’s out-of-pocket costs for fertility treatments, as long as the HRA meets applicable regulatory requirements; or

- Benefits for coaching and navigator services to help employees understand their fertility options under an employee assistance program that qualifies as a limited excepted benefit.

Federal agencies have indicated they intend to issue more guidance in the future to expand employers’ options for offering fertility benefits.

Provided to you by MFC Benefits, LLC

© 2025 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

Live Well, Work Well - November 2025

Tue, 25 Nov 2025 14:38:58 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about the power of gratitude, combatting tech neck, and adjusting to daylight savings time.

THE POWER OF GRATITUDE AND POSITIVE THINKING

It can be easy to get caught up in everyday stress and negativity. However, practicing gratitude can be a powerful tool to improve mental health. Gratitude involves recognizing and appreciating life’s positive aspects. By focusing on what one has rather than what one lacks, gratitude helps shift the mindset to a more positive and resilient state.

Gratitude is similar yet different from appreciation. The American Psychological Association defines gratitude as “a sense of happiness and thankfulness in response to a fortunate happenstance or tangible gift.”

Gratitude encourages individuals to savor the present moment and acknowledge the good in their lives, no matter how small. This positive focus can lead to a more optimistic outlook and stronger relationships. It also encourages resilience, the ability to bounce back from setbacks more quickly. Similarly, gratitude instills a sense of control over emotions, enabling calmer and more effective responses to stressors. A positive outlook doesn’t mean ignoring life’s challenges; rather, it means approaching them with a constructive and hopeful attitude.

Ways to Practice Gratitude

Regularly acknowledging what you’re grateful for can cultivate a sense of contentment. Starting small and being consistent can make a significant difference. Consider these tips to get started:

• Keep a gratitude journal, writing down things you’re grateful for and reflecting on why they’re meaningful to you.

• Try gratitude affirmations to reinforce positive thinking. Instead of writing down what you’re grateful for, repeat it to yourself daily.

• Express thanks to others, sharing why you’re grateful for them or how they’re positively impacting your life.

• Embrace mindful moments by pausing to appreciate the beauty or the good around you, such as a sunny day or a kind gesture.

• Take a walk and consciously notice things you’re grateful for in your surroundings. Then, reflect on how they enhance your life.

Remember, gratitude is a journey; every small step can lead to a more positive and fulfilling life.

COMBATTING TECH NECK

While not an official medical diagnosis, “tech neck” has become a familiar phrase. As smartphones, laptops and tablets have become everyday tools, people spend more time hunched over screens. The result is a growing number of individuals reporting stiffness, discomfort and pain in their neck and shoulders. Tech neck refers to the strain placed on the cervical spine (the part of the spine in the neck) when a person consistently looks down at a device or sits in poor posture while using technology.

The good news is that tech neck is preventable and manageable. A few small changes in daily habits can make a big difference, so consider these tips:

• Improve ergonomics . Set up your workstation to reduce unnecessary strain. Position your computer monitor so the top of the screen is at or just below eye level. Sit in a chair that supports your back, with feet flat on the floor and shoulders relaxed.

• Follow the 20-20-20 rule . Every 20 minutes, look at something 20 feet away for at least 20 seconds. This not only eases eye strain but also encourages you to reset your posture.

• Strengthen and stretch . Encouraging short stretch breaks (e.g., chin tucks, neck stretches and shoulder blade squeezes) during the workday can be particularly effective in preventing long-term strain.

• Mind your phone habits . When checking your phone, bring the device up to your eyes rather than bending your head down.

Contact a doctor if tech neck symptoms persist or worsen. Physical therapy, massage or exercise programs can help address severe discomfort.

ADJUSTING TO DAYLIGHT SAVING TIME

Most of the United States shifts between standard and daylight saving time (DST) each year in an effort to “save” natural light. Clocks will get set one hour back on Sunday, Nov. 2, when the DST period ends. Although you may be excited about gaining another hour in your day, the disruption of DST can wreak havoc on your physical and cognitive health for several days, weeks or even months.

Your internal clock regulates critical processes, including the immune system. Interruptions to the circadian rhythm, your body’s 24-hour cycle that regulates wake and sleep, can also impair your focus and judgment. If your area follows DST, consider these tips to help adjust to the time change:

• Exercise in the morning to increase your wakefulness and reset your internal clock.

• Prioritize daylight exposure to help preserve your circadian rhythm.

• Keep a regular sleep routine and aim for seven to nine hours of sleep each night.

• Remove sleep disturbances (e.g., excess amounts of alcohol, caffeine and blue light exposure) a couple of hours before bedtime.

While you may be tempted to use the bonus hour to indulge in various activities, health experts recommend using that time for sleep. To help make the DST transition easier, consider going to bed 15 to 20 minutes early in the days beforehand to help your body get used to the difference. If you have specific concerns, talk to your health care provider.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - November 2025

Thu, 20 Nov 2025 18:47:43 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about IRS releasing Health FSA, qualified transportation limits for 2026 and deadline for updating HIPAA Privacy Notices.

IRS RELEASES HEALTH FSA AND QUALIFIED TRANSPORTATION LIMITS FOR 2026

On Oct. 9, 2025, the IRS released Revenue Procedure 2025-32 (Rev. Proc. 25-32), which includes 2026’s inflation-adjusted limits for health flexible spending accounts (FSAs). For plan years beginning in 2026, the adjusted dollar limit on employees’ pre-tax contributions to health FSAs increases to $3,400 . This is a $100 increase from the 2025 limit of $3,300.

As background, the Affordable Care Act (ACA) imposes a dollar limit on employees’ salary reduction contributions to health FSAs. This limit started at $2,500 for plan years beginning on or after Jan. 1, 2013, and has been adjusted for inflation for subsequent plan years. Employers should ensure their health FSAs will not allow employees to make pre-tax contributions over $3,400 for the 2026 plan year.

As an exception to the use-or-lose rule, employers with health FSAs may allow employees to carry over a certain amount of funds remaining at the end of a plan year to reimburse eligible expenses incurred in the plan year immediately following. The maximum carryover amount is adjusted annually for inflation. For 2026, Rev. Proc. 2532 increases the maximum carryover limit to $680 (from $660 for 2025).

In addition, Rev. Proc. 25-32 includes cost-of-living adjustments for qualified transportation fringe benefits for 2026. Federal tax law allows employers to offer qualified transportation benefit programs to their employees on a tax-free basis, subject to a maximum monthly amount. Both employee pre-tax salary deferrals and employer-paid benefits, if any, count toward the maximum amount.

For 2026, the combined monthly limit for transportation in a commuter highway vehicle and a transit pass increases to $340 , up from $325 in 2025. The monthly limit in 2026 for qualified parking also increases to $340 from $325.

DEADLINE FOR UPDATING HIPAA PRIVACY NOTICES IS APPROACHING

The HIPAA Privacy Rule generally requires covered entities (health plans, health care providers and health care clearinghouses) to provide individuals with a Notice of Privacy Practices (or Privacy Notice) to ensure they understand how their protected health information (PHI) may be used and disclosed, as well as their rights with respect to PHI.

A final rule issued by the U.S. Department of Health and Human Services (HHS) in April 2024 requires covered entities to 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 updating Privacy Notices for the additional privacy protections for Part 2 program records is Feb. 16, 2026 .

Self-insured health plans must maintain and provide their own Privacy Notice at enrollment time, when there is a material change and upon request. Fully insured health plans that do not have access to PHI (other than enrollment and summary health information) are not required to maintain or provide a Privacy Notice. Fully insured health plans with access to PHI must maintain a Privacy Notice and provide it upon request.

Employers that maintain Privacy Notices for their health plans should update them with the changes to SUD treatment records by Feb. 16, 2026. Employers with self-insured health plans should also distribute their updated Privacy Notices by this deadline. It is uncertain if HHS will update its model privacy notices to incorporate the new requirements before the compliance deadline.

Live Well, Work Well - October 2025

Thu, 30 Oct 2025 13:21:42 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about flu season, fast walking, and stocking a nutritious kitchen.

WHAT TO KNOW ABOUT THIS FLU SEASON

The influenza (flu) season in the United States lasts from October through May, with peak flu activity between December and March.

The U.S. Centers for Disease Control and Prevention (CDC) estimates that 47 million to 82 million flu illnesses occurred during the 2024-25 season. Data suggested that flu activity was at its highest level in more than 15 years.

Flu season in the Southern Hemisphere often indicates what’s to come in the United States. Data revealed higher hospitalizations during the 2025 flu season in the Southern Hemisphere. With the potential for this year’s flu season to be severe in the United States, vaccination remains the most effective way to prevent the flu, especially severe disease and hospitalization.

How to Stay Healthy

The flu can cause serious complications for people of any age, but children and older adults are especially vulnerable. To help keep your household healthy this flu season, consider these tips:

• Get vaccinated. The CDC recommends that nearly everyone aged 6 months and older get a flu shot every year.

• Avoid close contact with people who are sick and stay away from others when you feel unwell. Flu, cold and COVID-19 symptoms are similar, so doctors say it’s best to get tested to determine what you have.

• Wash your hands often using soap and warm water. If those are unavailable, use an alcohol based hand sanitizer.

• Cover your mouth and nose when coughing or sneezing.

• Get seven to nine hours of quality sleep each night to boost your immune system.

• Exercise regularly to strengthen your body and make it more resilient against infections.

• Stay hydrated and eat a balanced diet.

Experts recommend getting vaccinated against the flu by the end of October, so don’t delay getting your shot. Contact your doctor today to learn more.

THE BENEFITS OF FAST WALKING

While it’s recommended that people commit to 150 minutes of moderate activity per week to notice sufficient health benefits, a new study published in the American Journal of Preventive Medicine found that fast walking for just 15 minutes daily could have the same benefits.

Study participants who fast walked for at least 15 minutes every day saw a nearly 20% reduction in premature death compared with a 4% reduction among participants who walked slowly for a total of more than three hours each day.

Generally, you can tell you’re fast walking when you can talk but not sing. Remember to maintain good walking form by standing tall with your shoulders back and swinging your arms (in opposition to your foot movement). If you want to take it one step further, try nasal breathing (inhale and exhale through your nose) to help regulate blood pressure while walking.

In addition to the study’s findings, consider the following benefits of walking, regardless of speed:

• Weight maintenance

• Reduced body fat

• Increased cardiovascular fitness

• Improved endurance

• Higher energy levels

• Better mood, memory and sleep

• Strengthened immune system

• Decreased stress

To learn more about incorporating walking into your routine, talk to your doctor and discuss what works best for you.

STOCKING A NUTRITIOUS KITCHEN

You don’t need to master the art of meal planning to eat well during the week. It can be as simple as stocking your kitchen with mealtime building blocks. By keeping a well-rounded selection of pantry, fridge and freezer staples on hand, you can create balanced meals in minutes and avoid the temptation of less nutritious options. Consider the following nutritious items:

• Canned chickpeas can easily be added to soups or mashed with seasonings for extra protein and fiber.

• Chicken breast is a great protein to build a meal around. You could make pasta, soups, casseroles, sandwiches and more.

• Extra-firm tofu is full of plant-based protein and calcium. Its neutral flavor makes it great for stir-fries and curries.

• Quinoa or lentils are versatile options to round off meals. They are packed with fiber and protein.

• Whole-wheat spaghetti is a great last-minute meal idea. It has a sizable dose of fiber and helps reduce cholesterol.

• Frozen spinach is easily used in egg dishes, pasta and smoothies. It’s also packed with four times the nutrients of fresh spinach.

By stocking your kitchen with nutritious staples, you’ll always have the tools to build meals that nourish your body and fit your lifestyle.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - October 2025

Mon, 27 Oct 2025 18:44:22 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about Medicare Part D and Pay-or-Play penalties.

MEDICARE PART D NOTICES ARE DUE BEFORE OCTOBER 15, 2025

Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable. Plan sponsors must provide the annual disclosure notice to Medicare eligible individuals before Oct. 15, 2025 —the start date of the annual enrollment period for Medicare Part D. CMS has provided model disclosure notices for employers to use.

This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date. Although there are no specific penalties associated with the notice requirement, failing to provide the notice may be detrimental to employees.

Employers should confirm whether their health plans’ prescription drug coverage is creditable or non-creditable and prepare to send their Medicare Part D disclosure notices before Oct. 15, 2025.

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. In general, this actuarial determination measures whether the expected amount of paid claims under the group health plan’s prescription drug coverage is at least as much as the expected

amount of paid claims under the Medicare Part D prescription drug benefit.

The creditable coverage disclosure notice must be provided to Medicare Part D-eligible individuals who are covered by, or who apply for, the health plan’s prescription drug coverage. Medicare Part D-eligible individuals may include active employees, disabled employees, COBRA participants and retirees, as well as covered spouses and dependents. As a practical matter,

plan sponsors often provide the creditable coverage disclosure notices to all plan participants.

PAY-OR-PLAY PENALTIES WILL INCREASE FOR 2026

Applicable large employers (ALEs) that do not offer affordable, minimum-value (MV) health coverage to their full-time employees may be subject to increased penalties under the Affordable Care Act’s (ACA) employer mandate for 2026. ALEs are employers with 50 or more full-time employees (FTEs), including full-time equivalent employees, on business days during the preceding calendar y ear.

Depending on the circumstances, one of two penalties may apply under the pay-or-play rules, the 4980H(a) penalty or the 4980H(b) penalty, as follows:

1. Under Section 4980H(a), an ALE will be subject to a penalty if it does not offer coverage to substantially all FTEs and any one of its FTEs receives a subsidy for purchasing individual health coverage through an Exchange. This monthly penalty is equal to the

ALE’s number of FTEs (minus 30) multiplied by one twelfth of $2,000 (as adjusted) for any applicable month. For 2026, the penalty increases to $3,340 (up from $2,900 for 2025); and

2. Under Section 4980H(b), ALEs that offer coverage to substantially all FTEs may still be subject to a penalty if at least one FTE obtains a subsidy through an Exchange because the ALE did not offer coverage to all FTEs, or the ALE’s coverage is unaffordable or does not provide MV. The monthly penalty assessed on an ALE for each FTE who receives a subsidy is one-twelfth of $3,000 (as

adjusted) for any applicable month. For 2026, the penalty increases to $5,010 (up from $4,350 for 2025). However, the total penalty for an ALE is limited to the 4980H(a) penalty amount.

Live Well, Work Well - September 2025

Mon, 29 Sep 2025 19:25:33 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about being prepared for emergencies, UV Index, and combating the "September Scaries"

ARE YOU PREPARED FOR AN EMERGENCY?

Disasters such as hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. Roads may become impassable, power could be out for days and emergency services might be overwhelmed. In these situations, having a plan can make all the difference between chaos and calm.

September is National Preparedness Month, so make a plan for if you need to evacuate your home or get trapped inside for days.

Preparedness isn’t just about stocking up on supplies; it’s about knowing what to do, where to go and how to stay safe. Consider these five key steps to help you and your household prepare:

1. Know your risks. Understand the types of disasters most likely to affect your area. In the Midwest, tornadoes and floods are common. Coastal regions may face hurricanes, while the West Coast is more prone to earthquakes and wildfires.

2. Create a communication plan. Make sure every member of your household knows how to reach each other during an emergency. Choose an out-of-town contact person and establish meeting points in case you’re separated.

3. Assemble an emergency kit. Your kit should include nonperishable food and water (enough for at least three days), flashlights and extra batteries, basic first-aid supplies, medications and personal hygiene items, important documents (e.g., IDs and insurance papers) in a waterproof container, and a battery powered radio.

4. Plan for evacuation and shelter-in-place. Know your local evacuation routes and shelters. Also, prepare for scenarios where you may need to stay inside your home for several days. Keep extra blankets, a manual can opener and entertainment for kids, if needed.

5. Include pets in your plan. Don’t forget your furry family members. Ensure you have food, water and any medications they need, and identify pet-friendly shelters in advance.

Visit the Federal Emergency Management Agency’s (known as FEMA) website, Ready.gov, to learn more about preparing for emergencies at home, at work and on the road.

UV INDEX AND SUN SAFETY

Spending time outdoors can be great for your health and well-being, but protecting your skin from the sun’s harmful ultraviolet (UV) rays is important. One of the most effective ways to do this is by understanding and using the UV index, a daily forecast that measures the strength of the sun’s UV radiation.

The UV index is reported on a scale from 0 to 11+. The higher the value, the greater the potential for harm from unprotected sun exposure.

Children, older adults, and people with fair skin or certain medical conditions may be especially vulnerable to high UV levels. Here’s how to use the UV index proactively:

• Check the index in the morning . Many weather apps and websites display the UV index alongside the daily forecast.

• Adjust your schedule when possible. If the UV index is high (6 or above), plan outdoor activities for early morning or late afternoon, when the sun’s rays are less intense.

• Take extra precautions when the index spikes. On days with a very high or extreme rating, minimize direct exposure and prepare accordingly with strong sun protection.

• Watch for environmental amplifiers . Snow, sand, water and even pavement can reflect UV rays and increase your exposure.

Checking the UV index as part of your daily routine can help you reduce your risk of sunburn, premature aging and skin cancer while still enjoying time outdoors. Contact your doctor for more information.

COMBATING THE "SEPTEMBER SCARIES"

As summer fades, individuals may experience a case of the “September Scaries,” emotional and psychological stress that occurs with the transition from summer to fall. This phenomenon can happen as kids return to school, work intensifies, the days get shorter and the holiday season looms.

This seasonal transition disrupts routines and can trigger a sense of loss of freedom, sunshine and overall spontaneity. The return to rigid schedules and looming responsibilities may heighten stress, especially for those juggling work, family and other personal responsibilities. Consider these tips for managing stress during the seasonal transition:

• Write down your worries . First, it’s important to understand what’s making you feel worried. Then, you can evaluate if it’s rational or not.

• Establish routines . A routine can help you feel more in control and get you back on track for a solid season. Try to have some fun on the weekends, like making plans with friends, so you have something to look forward to.

• Practice self-care . This transition is also a good time to reinforce healthy routines like sleep hygiene, nutrition and movement. This practice can help you feel more physically and mentally prepared to take on challenges.

• Embrace seasonal changes . Enjoy fall activities, such as picking pumpkins and apples, hiking outdoors, baking with seasonal goods and watching the leaves change.

If you have any concerns about your well-being, reach out to a mental health professional.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - September 2025

Tue, 16 Sep 2025 17:44:59 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the Pay-or-Play affordability percentage increase and DOL updates Model Employer CHIP Notice.

PAY-OR-PLAY AFFORDABILITY PERCENTAGE WILL INCREASE FOR 2026

On July 18, 2025, the IRS released Revenue Procedure 2025-25 to index the contribution percentage in 2026 for determining the affordability of an employer’s health plan under the Affordable Care Act (ACA). For plan years beginning in 2026, employer-sponsored coverage will be considered affordable under the ACA’s “pay-or-play” rules if the employee’s required contribution for self-only coverage does not exceed 9.96% of their household income for the year.

This is a significant increase from the affordability contribution percentage for 2025 (9.02%) and the highest this percentage has ever been. Applicable large employers (ALEs) will need to consider this affordability percentage in developing their health plan contribution strategies for the 2026 plan year. ALEs may be able to increase employees’ health coverage contributions for 2026 while still meeting the adjusted affordability percentage.

As background, the ACA’s pay-or-play rules require ALEs to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or risk paying a penalty. The affordability of health coverage is a key point in determining whether an ALE may be subject to a penalty. An ALE’s health coverage is considered affordable if the employee’s required contribution to the plan does not exceed 9.5% (as adjusted annually) of the employee’s household income for the taxable year.

For 2026 plan years, an ALE’s health coverage will be considered affordable if the employee’s required contribution for self-only coverage under the employer’s lowest-cost plan does not exceed 9.96% of the employee’s household income. Because an employer generally will not know an employee’s household income, the IRS has provided three optional safe harbors that ALEs may use to determine affordability based on information that is available to them: the Form W-2 safe harbor, the rate of pay safe harbor and the federal poverty level safe harbor.

DOL UPDATES MODEL EMPLOYER CHIP NOTICE

The U.S. Department of Labor (DOL) has released a new model employer Children’s Health Insurance Program (CHIP) notice with information that is current as of July 31, 2025.

Federal law imposes an annual notice requirement on employers that maintain group health plans in states that provide premium assistance subsidies under a Medicaid plan or a CHIP plan. An employer can choose to provide the notice on their own or concurrent with the furnishing of:

• Materials notifying the employee of health plan eligibility;

• Open enrollment materials; or

• The Summary Plan Description.

An employer is subject to this annual notice requirement if their group health plan covers participants who reside in a state that provides a premium assistance subsidy, regardless of the employer’s location.

The DOL’s model notice, which employers may use for this disclosure, is updated periodically to reflect changes in the states that offer premium assistance subsidies. The DOL’s model employer CHIP notice includes information that is current as of July 31, 2025.

Employers could also choose to prepare their own notices or modify the model notice. Employers should be sure to include at least the minimum relevant state contact information for any employee residing in a state with premium assistance.

Live Well, Work Well - August 2025

Wed, 27 Aug 2025 15:30:08 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about taking care of yourself during national wellness month, understanding your cortisol levels, and medications that make it hard to handle the heat.

TAKING CARE OF YOURSELF DURING NATIONAL WELLNESS MONTH

National Wellness Month, recognized annually in August, is meant to encourage people to prioritize self-care, build healthy routines and support their physical, mental and emotional well-being.

Wellness goes beyond physical health. It encompasses mental clarity, emotional resilience and a sense of balance in daily life.

When we invest in our well-being, we're better equipped to handle stress, maintain relationships and perform at our best - both personally and professionally. This month is an opportunity to slow down and focus on the following key well-being components:

Movement - You don't need a gym membership to stay active. Stretch in the morning, take the stairs or go for a walk during lunch. Movement boosts mood and energy.

Nutrition - Fuel your body with whole foods, stay hydrated and avoid skipping meals. Even small changes, such as swapping soda for water, can make a big difference.

Mindfulness - This skill involves focusing on being present. Try meditation apps, journaling or simply taking a few deep breaths during stressful moments.

Self-care - It's important to take time each day to do something just for you. Whether it's reading, listening to music or having a cup of tea, self-care helps you recharge.

Stress management - Identify your stress triggers and create healthy coping strategies. These could include setting boundaries, unplugging from screens or talking to a friend.

You can start taking small steps now to prioritize both your body and mind. Over time, these habits build a foundation for a healthier, more balanced you. If you're struggling with any aspect of your wellness, seek help from health care professionals, including therapists, counselors or wellness coaches. They can provide tailored guidance and support for your personal needs.

UNDERSTANDING YOUR CORTISOL LEVELS

Cortisol levels continue to trend on social media as people want to understand energy levels, manage stress and boost their overall well-being. So, what exactly is cortisol? It's your body's primary stress hormone, helping regulate various functions, such as metabolism, blood sugar, blood pressure, immune response and energy. While it's normal for cortisol to fluctuate throughout the day (usually going up in the morning and slowly down during the day), consistently high or low levels can cause health issues. Ideal cortisol levels falls within a specific range that varies slightly based on the time of day and the type of test used.

To get a better understanding of your cortisol levels, seek the advice of a medical professional who can administer a cortisol test that measures the cortisol in your blood, urine or saliva. Standard blood panels generally don't test for cortisol levels. Cortisol testing is usually ordered separately by a physician to learn more about your health conditions.

Understanding how cortisol works can help you stay aware of potential symptoms that could indicate an imbalance. Talk to your doctor to learn more.

MEDICATIONS THAT MAKE IT HARD TO HANDLE THE HEAT

Commonly prescribed medications can impact people more in the heat, causing dehydration or sun sensitivity or limiting the body's ability to regulate body temperature. As such, these medications have heat intolerance, photosensitivity or similar documented side effects:

Antibiotics and nonsteroidal anti-inflammatory drugs like ibuprofen may make you more sensitive to sun exposure, resulting in severe sunburn or rashes.

Antidepressants can cause excessive sweating, dehydration and UV light sensitivity. They could also decrease sweat production, preventing the body from cooling down.

Antihistamines can make your body produce less sweat, making it difficult to regulate body temperature in hot weather.

Blood pressure medications can increase sweat production and dehydration. Sun exposure can cause a blood pressure dip, too.

Decongestants like pseudoephedrine can decrease the blood flow to the skin, making it more difficult to sweat and regulate.

Stimulants can increase your metabolic rate, impairing the body's ability to cool down.

Keep in mind that the heat can also degrade certain medications like insulin, inhalers and EpiPens.

The first sign of heat intolerance is feeling hot or uncomfortable. You may also experience headaches, dizziness, cramps, nausea or vomiting, weakness or flushed skin. If you experience heat-related symptoms, go inside immediately and try to cool down. In addition to monitoring for symptoms, it's important to stay hydrated, limit your exposure to direct sunlight and wear protective clothing.

If you have questions about your medication or potential side effects, talk to your doctor. Also, don't discontinue taking any prescribed medications without consulting your doctor first.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - August 2025

Wed, 20 Aug 2025 13:29:36 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the OBBB Act and the Supreme Court upholding ACA's Preventative Care Mandate.

OBBB ACT INCLUDES CHANGES FOR EMPLOYEE BENEFITS

On July 4, 2025, President Donald Trump signed the "One Big Beautiful Bill Act" (OBBB Act) into law. The OBBB Act includes a variety of changes for employee benefit plans, most of which are effective for 2026. Key changes include the following:

Health savings accounts (HSAs) - Effective Jan. 1, 2026, the OBBB Act allows individuals with direct primary care (DPC) arrangements to make HSA contributions if their monthly fees are $150 or less ($300 or less for family coverage). These dollar limits will be adjusted annually for inflation. A DPC arrangement is a subscription-based health care delivery model where an individual is charged a fixed periodic fee for access to medical care consisting solely of primary care services. In addition, the OBBB Act treats DPC fees as medical care expenses that can be paid using HSA funds.

Telehealth exception for high deductible health plans (HDHPs) - The OBBB Act permanently extends the ability of HDHPs to provide benefits for telehealth and other remote care services before plan deductibles have been met without jeopardizing HSA eligibility. This extension applies to plan years beginning after Dec. 31, 2024.

Dependent care assistance programs (DCAPs) - Effective Jan. 1, 2026, the OBBB Act increases the maximum annual limit for DCAPs from $5,000 to $7,500 ($3,750 for married individuals filing separately). The new limit is not adjusted for inflation going forward.

Student Loan Assistance - The OBBB Act permanently extends the student loan payment option for education assistance programs and adjusts the annual $5,250 limit for inflation beginning in 2027.

Trump Accounts - The OBBB Act creates a new type of tax-advantaged savings account for children, named Trump Accounts, effective for 2026. Employers may make tax-free contributions to the Trump Account of an employee's dependent of up to $2,500 (as adjusted annually for inflation beginning after 2027).

SUPREME COURT UPHOLDS ACA'S PREVENTIVE CARE MANDATE

On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act's (ACA) preventive care mandate. As background, the ACA requires non-grandfathered health plans and health insurance issuers to cover a set of recommended preventive services without imposing cost-sharing requirements, such as deductibles, copayments or coinsurance, when the services are provided by in-network providers. The recommended preventive care services covered by these requirements include evidence based items or services with an A or B rating in the U.S. Preventive Services Task Force (USPSTF) recommendations.

The plaintiffs in this case had religious objections to the ACA's preventive care mandate and challenged its legality on various grounds, including the USPSTF's recommendations being not constitutional because its members had not been validly appointed. The lower courts agreed with the plaintiffs; however, health plans and issuers were required to fully comply with the ACA's preventive care mandate without interruption while the lawsuit proceeded.

The Supreme Court reversed the lower court's decision and upheld the constitutionality of the USPSTF's recommendations. Due to the Court's ruling, the ACA's preventive care mandate remains in full effect and health plans and issuers are required to continue covering the entire range of recommended preventive care services without cost sharing.

Live Well, Work Well - July 2025

Thu, 31 Jul 2025 18:52:45 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about safe grilling tips, first-aid kit essentials and understanding the label on your sunscreen.

GRILLING SAFETY TIPS

Although grilling is a popular way to prepare food, it can also be dangerous. According to the National Fire Protection Association, an average of 9,000 home fires involve grills, hibachis or barbecues each year. May, June, July and August are the most active months for grill fires, with July being the top month.

Some 4 million outdoor grills are used across the United States on any given summer day.

Keep these 10 fire safety tips in mind when grilling:

1. Keep your grill at least 10 feet away from other objects, including your house, decks, outdoor seating and overhanging branches.

2. Set up the grill on a flat surface, and don’t bring it into an unventilated or enclosed space (e.g., garage or porch). This is not only a major fire hazard but also a carbon monoxide hazard.

3. Check the connection between the propane tank and the fuel line before using a gas grill to ensure it’s not leaking and is working properly.

4. Turn off the gas if you suspect that your gas grill is leaking, and get the unit fixed before lighting it. Never use a match to check for leaks.

5. Turn off the grill and the gas if your propane grill’s flame goes out, and wait at least five minutes before relighting the grill.

6. Only use starter fluid with charcoal grills— never with gas grills.

7. Keep children and pets at least 3 feet away from the area until the grill is completely cool.

8. Never leave your grill unattended while in use.

9. Avoid overloading the grill, as too much fat dripping at once can cause flare-ups.

10. Clean the grates and trays regularly to remove grease and fat buildup.

Not only can grills start fires, but they can also cause burns. Exercise caution as you flip food on the grill to ensure your hands and arms do not get burned. Additionally, be sure to use long-handled utensils to help keep your hands at a safe distance from the flames.

Overall, practicing vigilance and taking proper precautions while grilling can help reduce fires and associated burn injuries.

FIRST-AID KIT ESSENTIALS

Summer is synonymous with adventure and outdoor fun. Whether exploring a park, swimming, hiking a trail or road-tripping, having a first-aid kit can make all the difference in an emergency.

A well-stocked first-aid kit can help you respond quickly and effectively to common injuries. Keep at least one first-aid kit in your home and your vehicle. Consider stocking these basic first-aid kit supplies:

• Bandages of various sizes

• Elastic bandage wrap

• Flashlight and batteries

• Hydrogen peroxide

• Instant hot and cold packs

• Scissors

• Sterile gauze pads and tape

• Thermometer

• Tweezers

Additionally, you can stock your kit with over-the-counter items, such as aloe vera gel, antihistamines, hydrocortisone cream, pain and fever medications, and sunscreen.

Ongoing, remember to check the expiration dates and make sure you haven’t used up items and need replacements.

UNDERSTANDING THE LABEL ON YOUR SUNSCREEN

Skin cancer is the most common cancer in the United States. Most cases of melanoma, the deadliest kind of skin cancer, are caused by exposure to ultraviolet (UV) light. The sun’s rays can damage your skin in as little as 15 minutes. While there are several steps you can take to limit your exposure to the sun, proper sunscreen selection and application are critical.

The Environmental Working Group (EWG) analyzed more than 2,200 sunscreens available for purchase in 2025. The EWG report revealed that just one-fourth of sunscreens on store shelves provide safe and effective protection.

Remember that not all sunscreens are created equal, so it’s about finding the one you need for the specific weather and activity. Sunscreen labels must follow specific guidelines, so here’s what they exactly mean:

• Broad-spectrum protection works against UVA (skin cancer and premature aging) and UVB (sunburn rays).

• SPF is the level of protection against UVB rays. Experts recommend using sunscreen with an SPF value of at least 30.

• Water-resistant sunscreen needs to be reapplied, depending on the brand, after 40 or 80 minutes of swimming or excessive swimming.

• Sunscreens maintain their full strength for three years but always check the expiration date .

Routinely inspect your skin for any spots or changes in color or appearance. If you have any concerns, talk to your doctor.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - July 2025

Tue, 22 Jul 2025 18:32:20 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the U.S Supreme Court upholding state ban on gender-affirming care for minors and PCORI fees are due July 31,2025.

U.S. SUPREME COURT UPHOLDS STATE BAN ON GENDER-AFFIRMING CARE FOR MINORS

On June 18, 2025, the U.S. Supreme Court upheld the constitutionality of a Tennessee law banning certain medical care, such as puberty blockers and hormone therapy, for transgender minors under the age of 18. As a result of the ruling, the law will remain in effect and may shape how courts and legislatures approach gender-affirming care nationwide.

Tennessee’s Senate Bill 1 (SB1) prohibits certain medical treatments (such as surgery, puberty blockers and hormones) that are intended to allow a minor “to identify with, or live as, a purported identity inconsistent with the minor’s sex” or to treat “purported discomfort or distress from a discordance between the minor’s sex and asserted identity[.]” The plaintiffs alleged that SB1 violated the equal protection clause of the 14th Amendment.

The Supreme Court, in a 6-3 ruling, held that SB1 does not classify individuals based on sex or transgender status, and therefore, the law did not trigger heightened scrutiny. Instead, the Court applied the more deferential “rational basis” standard, which requires only that there are plausible reasons for government action. The Court found that SB1 “clearly met” this standard of review and did not violate the equal protection guarantee of the 14th Amendment, reasoning that the judiciary must grant states “discretion to pass legislation in areas where there is medical and scientific uncertainty.”

Notably, the Court found their 2020 decision in Bostock v. Clayton County, which held that discrimination on the basis of sexual orientation constitutes sex discrimination under Title VII of the Civil Rights Act (Title VII), did not alter the analysis and declined to address whether Bostock’s reasoning reaches beyond the Title VII employment discrimination context.

PCORI FEES ARE DUE BY JULY 31, 2025

The Affordable Care Act requires employers with self-funded health plans and health insurance issuers to pay Patient-Centered Outcomes Research Institute fees (PCORI fees). The fees are reported and paid annually using IRS Form 720, the Quarterly Federal Excise Tax Return.

Form 720 and full payment of the PCORI fees are due by July 31 of each year and generally cover plan years that end during the preceding calendar year. For plan years ending in 2024, the PCORI fees are due by July 31, 2025.

The PCORI fee amount is based on the average number of individuals covered under the plan. Final rules from the IRS require employers with self-funded health plans to use one of three alternative methods to determine the average number of individuals covered under the plan for a plan year: the actual count method, the snapshot method or the Form 5500 method. That number is then multiplied by the applicable rate for that tax year ($3.47 for plan years ending on or after Oct. 1, 2024, and before Oct. 1, 2025, or $3.22 for plan years ending on or after Oct. 1, 2023, and before Oct. 1, 2024).

To assess their obligations, employers should:

• Determine which plans are subject to the PCORI fees;

• Assess plan funding status (insured versus selfinsured) to determine whether the issuer or the employer is responsible for the fees; and

• Select an approach for calculating average covered lives for self-insured plans.

The IRS provides helpful resources regarding PCORI fees, including a chart on how the fees apply to specific types of health coverage or arrangements.

Live Well, Work Well - June 2025

Thu, 26 Jun 2025 13:09:12 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about summer food safety tips, reaping the health benefits of gardening, and sleep tips for the long summer days.

SUMMER FOOD SAFETY TIPS

You'll likely spend time outside with family and friends this summer at a picnic or backyard barbecue. However, if you aren't careful about handling foods and beverages during these cookouts, you're putting yourself and others at risk for potential food-related illnesses.

The U.S. Centers for Disease Control and Prevention (CDC) estimates that 1 in 6 people get sick from a foodborne illness each year.

Bacteria multiply especially fast in the summer heat, making outdoor cookouts prime breeding grounds for E. coli and salmonella. Symptoms of foodborne illnesses may include nausea, vomiting, diarrhea and abdominal cramping.

Prevent food poisoning at picnics and barbecues with these four simple steps from the CDC:

1. Clean. Wash cooking equipment, dishes and utensils between uses. Be sure to clean the grill's surface after each use and wash cutting boards after preparing raw meat. Germs can survive in many places, so washing your hands and surfaces is critical.

2. Separate . Use one cooler for drinks and one for food. It's also important to separate raw foods (e.g., poultry, seafood and eggs) from those ready to eat. Lastly, never eat anything left out of a refrigerator or cooler for more than 2 hours or 1 hour if the temperature is above 90 degrees Fahrenheit.

3. Cook. Food is safely cooked when the internal temperature is high enough to kill germs that can make you sick. The best way to know if food is cooked properly is by using a meat thermometer. For example, burgers and hot dogs should be cooked to 160 degrees Fahrenheit and chicken to 165.

4. Chill. Refrigerate food promptly since bacteria can rapidly multiply if left at room temperature. The "danger zone" for bacterial growth is 40-140 degrees Fahrenheit.

If you have mild food poisoning, it's important to say hydrated. Keep in mind that more serious cases, which often include a fever and dehydration symptoms, require medical attention.

REAPING THE HEALTH BENEFITS OF GARDENING

Interest in home gardening continues to rise amid economic concerns. Although the annual Axiom Gardening Outlook Study found overall decreases in time spent gardening and plans to expand gardens, younger generations have been picking up gardening tools in recent years and plan to continue.

Generation Z (69.2%) and millennials (51%) are expected to spend more time gardening in 2025.

There's no denying that gardening has numerous benefits. It's a good way for households to get healthier and cheaper food, but it also helps people reach their movement goals. The CDC counts weeding, mulching and mowing as moderate exercises, while raking and digging are vigorous.

In addition to physical activity and healthier eating habits, consider these health benefits of gardening:

- Increased vitamin D levels that are essential for body functions

- Reduced cortisol levels that trigger stress

- Improved mood

- Relaxation and reduced anxiety

- Boosted self-esteem

If you haven't started gardening yet, it's not too late to start and reap the benefits of time outside. Talk to your doctor to learn more about ways to manage your well-being.

SLEEP TIPS FOR THE LONG SUMMER DAYS

As the days grow longer and temperatures rise, many people find falling and staying asleep increasingly difficult. In addition, people may have busy social schedules for the summer. Summer sleep disturbances can be frustrating, but with a few practical tips, you can improve your sleep quality despite the seasonal changes. Try these tips:

- Keep a consistent schedule . Late nights can happen in the summer, and that's OK. Overall, try to stick to a regular and consistent sleep schedule to regulate your circadian rhythm.

- Create a cool sleep environment. Keep your bedroom cool with fans and air conditioning, or prop open doors and windows.

- Use lightweight fabrics. Opt for lightweight and moisture-wicking pajamas and bedding. Materials like cotton, linen, bamboo and silk can help you stay comfortable.

- Try a sleep mask. Longer daylight hours can disrupt your sleep cycle, so wearing a sleep mask can help create a dark environment. Experts advise against blackout curtains, as some light alerts your body that the day is coming,

- Stay hydrated. Drink plenty of water throughout the day to stay hydrated in the heat, but avoid large amounts right before bed to prevent waking up for bathroom trips.

Remember, a good night's sleep is essential for overall health and well-being. Small changes can improve your summer slumber, but talk to your doctor for further sleep guidance.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - June 2025

Fri, 13 Jun 2025 12:25:54 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the IRS releasing HSA/HDHP Limits for 2026 and Federal Agencies announcing the Nonenforcement Policy for Mental Health Parity Rule.

IRS RELEASES HSA/HDHP LIMITS FOR 2026

On May 1, 2025, the IRS released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2026. The IRS is required to publish these limits by June 1 of each year. These limits include the following:

- The maximum HSA contribution limit

- The minimum deductible amount for HDHPs

- The maximum out-of-pocket expense limit for HDHPs

These limits vary based on whether an individual has self-only or family coverage under an HDHP.

Eligible individuals with self-only HDHP coverage will be able to contribute $4,400 to their HSAs in 2026, up from $4,300 in 2025. Eligible individuals with family HDHP coverage will be able to contribute $8,750 to their HSAs in 2026, up from $8,550 in 2025. Individuals aged 55 or older may make an additional $1,000 “catch-up” contribution to their HSAs.

The minimum deductible amount for HDHPs increases to $1,700 for self-only coverage and $3,400 for family coverage for 2026 (up from $1,650 for self-only coverage and $3,300 for family coverage for 2025). The HDHP maximum out-of-pocket expense limit increases to $8,500 for self-only coverage and $17,000 for family coverage for 2026 (up from $8,300 for self-only coverage and $16,600 for family coverage for 2025).

Employers sponsoring HDHPs should review their plans’ cost-sharing limits (i.e., the minimum deductible amount and maximum out-of-pocket expense limit) when preparing for the plan year beginning in 2026. Also, employers allowing employees to make pre-tax HSA contributions should update their plan communications with the increased contribution limits.

FEDERAL AGENCIES ANNOUNCE NONENFORCEMENT POLICY FOR MENTAL HEALTH PARITY RULE

On May 15, 2025, the U.S. Departments of Labor, Health and Human Services, and the Treasury (Departments) released a statement regarding the nonenforcement of the 2024 final rule under the Mental Health Parity and Addiction Equity Act (MHPAEA). The statement relates to a lawsuit brought by an employer trade group seeking to invalidate the final rule. The litigation has been put on hold while the Departments reconsider the final rule, including whether to modify or rescind it altogether.

According to the Departments’ statement, they will not enforce the 2024 final rule (or otherwise pursue enforcement actions) based on a failure to comply that occurs prior to a final decision in the litigation, plus an additional 18 months . The Departments are also reexamining their MHPAEA enforcement program more broadly.

MHPAEA requires parity between a group health plan’s medical/surgical benefits and mental health/substance use disorder benefits. The 2024 final rule’s changes are extensive and primarily focus on nonquantitative treatment limitations (NQTLs). NQTLs include a variety of strategies that generally limit the scope or duration of benefits, such as prior authorization requirements. The final rule generally applies for plan years beginning on or after Jan. 1, 2025; however, certain key requirements apply for plan years beginning on or after Jan. 1, 2026.

Employer-sponsored health plans should continue to comply with MHPAEA’s statutory requirements and refer to a final rule from 2013 for guidance. Employers should also monitor updates regarding any modifications to the 2024 final rule.

Live Well, Work Well - May 2025

Wed, 28 May 2025 15:03:39 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about boosting your mental health daily, spring clean your routine and how to reduce processed food in your diet.

BOOSTING YOUR MENTAL HEALTH DAILY

Mental Health Awareness Month is observed every May to help break the stigma and support people living with mental health conditions. Mental illness refers to a range of diagnosed conditions that affect a person's mood, behavior, feelings, thinking and, ultimately, ability to function in daily life. Millions of Americans live with serious mental disorders, such as anxiety, major depression and bipolar disorder.

Half of the people in the United States will be diagnosed with a mental disorder at some point in their lifetime.

Mental health plays a huge role in your overall health and well-being. It affects everything, including how you think, feel and act, and helps determine how you make healthy choices and cope with stress. Mental health is always there; your state continually changes depending on resources and challenging. Focusing on maintaining or improving your mental health is important, so here are five ways to boost your mental health on a daily basis:

1. Express gratitude . Taking five minutes daily to write down the things you are grateful for has been proven to lower stress levels and help you achieve a more positive mindset.

2. Be kind . Helping others and being kind not only helps the recipient but can also benefit your mental health. Simply holding the door for someone or giving a compliment can go a long way.

3. Get moving . Exercising regularly can benefit your brain function, reduce anxiety and improve your self-image.

4. Get a good night's sleep . Fatigued individuals typically experience drowsiness, mood changes, loss of energy and appetite, headaches, and a lack of motivation, concentration and alertness. Strive for seven to eight hours of quality sleep at night.

5. Spend time outdoors . Getting outside, especially when it's sunny, can greatly improve your mood and ability to focus.

Seek help from your primary care doctor or a mental health professional if you're concerned about your mental health. If you need mental health-related crisis support or are worried about someone else, the 988 Suicide and Crisis Lifeline is available by calling or texting 988 and chatting online at 988lifeline.org.

SPRING CLEAN YOUR ROUTINE

Springs 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. Prioritize self-care activities or take a few moments each day to relax and recharge. You can better manage stress and improve you overall well-being by carving out time for the activities you enjoy.

- Reset your recipes with seasonal produce and other ingredients. Spring produce includes vegetables like asparagus, artichokes, radishes, rhubarb and peas, as well as fruits like strawberries. In-season produce is picked at the peak of their freshness and nutritional value, 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.

Refreshing your routine can have a profound impact on your mental health. It can help you reduce stress, increase feelings of control and improve overall well-being. Start spring cleaning your routine today to create one that supports your mental health and enables you to thrive in spring and beyond.

REDUCING PROCESSED FOOD IN YOUR DIET

Processed foods have become a staple in American diets due to their convenience, taste, affordability and long shelf life. Yet, an increasing number of health experts are warning of the concerning impacts of these foods. A diet largely consisting of processed food can lead to chronic diseases, mental health issues, and even early death.

Consider the following tips to remove ultra-processed food from your diet:

-Read the label, checking for high amounts of additives, preservatives, sulfites, saturated and trans fats, and added sugar and salt.

-Shop the perimeter of the grocery store and buy whole foods like fruits and vegetables.

-Have healthy snacks on hand.

- Swap refined grains - such as white pasta, rice and bread - for whole-grain options.

- Cook meals at home and prep ahead of time.

- Avoid processed meat (e.g., sausage, hot dogs, and lunch meat)

Cutting highly processed items out entirely can be difficult, so start with these small steps. Before making dietary changes, consult your doctor.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Legal Update

Thu, 15 May 2025 18:29:24 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the new executive order that is aiming to reduce drug costs by aligning with global prices.

NEW EXECUTIVE ORDER AIMS TO REDUCE DRUG COSTS BY ALIGNING WITH GLOBAL PRICES

On May 12, 2025, President Donald Trump issued an executive order (EO) that aims to bring the prices Americans pay for prescription drugs in line with those paid by similar nations. According to a White House fact sheet, the prices Americans pay for brand-name drugs are more than three times the price other nations pay.

In April, President Trump signed another EO aimed at lowering prescription drug prices, which included a variety of directives related to the Medicare program and the pharmaceutical industry. The directives may not have an immediate impact on drug costs, as they will take time to implement.

Key Directives

The most recent EO outlines a number of actions intended to lower prescription drug prices in the United States. Among other things, the EO directs:

- The U.S. Trade Representative and Secretary of Commerce to take action to ensure foreign countries "...are not engaged in practices that purposefully and unfairly undercut market prices and drive price hikes" in the U.S.;

- The Trump administration to communicate price targets to pharmaceutical manufacturers; and

- The Secretary of Health and Human Services (HHS) to establish a mechanism through which American patients can buy their drugs directly from manufacturers who sell to Americans at a "Most-Favored-Nation" price.

Notably, if drug manufacturers fail to offer most-favored-nation pricing, the EO directs the Secretary of HHS to:

1. Propose rules that impose most-favored-nation pricing; and

2. Take "other aggressive measures to significantly reduce the cost of prescription drugs to the American consumer and end anticompetitive practices." This includes, but is not limited to, enforcement action by the U.S. Federal Trade Commission.

Potential Legal Hurdles

While the EO directs the Secretary of HHS to communicate most-favored-nation price targets to pharmaceutical manufacturers within 30 days, it is expected to face legal challenges. Industry professionals reference a similar proposal from Trump's first term, which aimed to link Medicare payments for certain medications to the lowest prices paid by other countries. This proposal was blocked by federal courts for not adhering to the notice and comment process required by the Administrative Procedure Act. Thus, the immediate impact on drug costs remains to be seen.

Highlights

- The EO directs HHS to communicate most-favored-nation price targets to pharmaceutical manufacturers within 30 days

-The EO is expected to face legal challenges, so the immediate impact on drug costs remains to be seen

Benefit Buzz - May 2025

Tue, 13 May 2025 15:33:01 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the DOL updating the Model Employer CHIP Notice and when the Prescription Drug Report is Due.

DOL UPDATES MODEL EMPLOYER CHIP NOTICE

The U.S. Department of Labor (DOL) has released a new model Employer Children’s Health Insurance Program (CHIP) Notice with information current as of March 17, 2025 .

As a reminder, the Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) imposes an annual notice requirement on employers that maintain group health plans in states that provide premium assistance subsidies under a Medicaid plan or a CHIP plan.

An employer can choose to provide the notice on its own or concurrent with the furnishing of:

• Materials notifying the employee of health plan eligibility;

• Materials provided to the employee in connection with an open enrollment or election process conducted under the plan; or

• The Summary Plan Description.

An employer is subject to this annual notice requirement if its group health plan covers participants who reside in a state that provides a premium assistance subsidy, regardless of the employer’s location.

The DOL’s model notice, which employers may use for this disclosure, is updated periodically to reflect changes in the states that offer premium assistance subsidies. The DOL’s model Employer CHIP Notice includes information current as of March 17, 2025.

PRESCRIPTION DRUG REPORT IS DUE BY JUNE 1, 2025

Group health plans must annually submit detailed information on prescription drug and health care spending to the federal government. This reporting is referred to as the prescription drug data collection, also known as the RxDC report.

The next RxDC report is due by Sunday, June 1, 2025 , covering data for 2024. Employers should confirm they are taking steps to comply with this reporting deadline, such as providing information to third-party vendors on a timely basis.

The RxDC report is comprised of several files, including those that require specific plan-level information, such as plan year beginning and end dates and enrollment and premium data. It also includes files that require detailed information about medical and pharmacy benefits.

RxDC reports must be submitted through an online portal maintained by the Centers for Medicare and Medicaid Services (CMS). The agency’s RxDC website includes updated reporting instructions and other reporting resources.

Employers commonly use 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 using third parties to submit RxDC reports must ensure that this reporting responsibility is reflected in a written agreement with the third party.

Employers may work with multiple third parties to complete the RxDC report for their health plans. For example, a self-insured employer may use both its TPA and PBM to submit different portions of the RxDC report. A health plan’s submission is considered complete if CMS receives all required files, regardless of who submits them.

Live Well, Work Well - April 2025

Wed, 23 Apr 2025 17:48:06 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about allergy-proofing your spring, creative ways to take more steps and the impact of chronic stress.

ALLERGY-PROOF YOUR SPRING

You may notice that you sneeze and cough more during certain times of the year. In this case, you may have seasonal allergies, which are allergy symptoms that occur during 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.

The Asthma and Allergy Foundation of America reports that 81 million people in the country are allergic to pollen, grass and weeds in the spring.

You can reduce your exposure to seasonal allergens and their impact on your body, such as sneezing, stuffy or runny nose, and watery eyes. Try these

strategies to manage seasonal allergies:

• Keep track of pollen and mold counts. Pollen and mold counts can be found online or on the local news. Monitoring allergens, especially tree pollen, can help you know when to avoid spending excessive time outside.

• Keep the indoor air clean. Closing windows and doors can help prevent allergens from entering your home and sticking to items like furniture and carpet. Lean on air conditioning, and be sure to change high-efficiency particulate air (HEPA) filters often.

• Shower and put on clean clothing after spending time outdoors . After playing or working outdoors, pollen may be stuck to your clothes, hair and skin, which can irritate your allergies.

• Bathe pets often. If your pets go inside and outside, they are likely tracking in pollen on their coats. Bathe them weekly, especially after spending a lengthy time outdoors.

• Wash bedding weekly in hot water. Pollen can settle on sheets and blankets, triggering allergy symptoms at bedtime and disrupting your rest.

• Vacuum regularly . When pollen levels are high, vacuum floors at least once a week. It’s also best to use a vacuum with a HEPA filter.

For many people, avoiding allergens and using over-the- counter medications are enough to ease their allergy symptoms. Talk to your doctor if your symptoms remain bothersome; they can provide guidance on alternative treatments.

CREATIVE WAYS TO TAKE MORE STEPS

Walking is one of the most accessible forms of exercise. Its benefits extend beyond physical health, as it can also boost your mood and help with mental

clarity. Whether new to fitness or just looking to increase your daily movement, walking offers an easy and effective way to improve your well-being.

However, finding the time or motivation to walk more often can be challenging. Here are some creative and fun ways to get more steps in:

• The 6-6-6 method —One version of this challenge involves walking for 60 minutes at 6 a.m. and 6 p.m. daily, with a suggested six minute warm-up and six-minute cool-down. Another version is to walk for six minutes six times a day for six days a week to fit in more movement during the day.

• The 12-3-30 workout —Set a treadmill at a 12% incline and 3 mph and walk for 30 minutes. Incline walking adds intensity to your walk to help boost calorie burn and muscle engagement. If you take a walk outdoors instead, use hilly routes or find stairs.

• An active (or fake) commute —If you’re a remote worker, you could take a 10-minute walk in the morning or stroll after work. The point of a fake commute is to use the time that’d normally be spent commuting to an office and use it to make the day more active.

• Walking in place —You can do this anywhere: while watching TV, during a phone call or while waiting for something. For an extra challenge, try adding variations like marching, high knees or using light hand weights.

Walking is one of the easiest ways to improve your health and well-being; these creative strategies can help make it a regular part of your lifestyle. Talk to your doctor and discuss what works best for you to learn more about creating an active routine.

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 will come and go 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. Chronic stress, if left unchecked, 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.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - April 2025

Wed, 16 Apr 2025 18:26:19 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about class-action lawsuits that target health plan tobacco surcharges and the IRS issues ACA reporting guidance on individual statements.

CLASS-ACTION LAWSUITS TARGET HEALTH PLAN TOBACCO SURCHARGES

Numerous class-action lawsuits have recently been filed against employers alleging that health plan premium surcharges related to tobacco use violate federal compliance requirements. These lawsuits have been filed by current and former employees of major U.S. companies who have paid more in premiums due to their tobacco use, often hundreds of dollars more per employee per year.

Employers commonly require tobacco users to pay an additional charge for health plan premiums, whether they use cigarettes, cigars, e-cigarettes or smokeless tobacco. To comply with federal law, tobacco surcharges must be offered through a wellness program that meets the Health Insurance Portability and Accountability Act’s (HIPAA) nondiscrimination requirements.

In general, the lawsuits assert that the health plans violated HIPAA’s nondiscrimination rules by:

• Not offering a reasonable alternative standard to avoid the surcharge (or only applying the premium reduction on a prospective basis after completing the alternative standard)

• Not describing the availability of the alternative standard in all plan materials

The lawsuits request various forms of relief, including reimbursing employees who paid the surcharges with interest, disgorging any benefits or profits, and paying all attorney fees and costs.

Given the recent wave of litigation, employers that impose tobacco surcharges should review whether their wellness programs are administered in accordance with HIPAA’s requirements, including making available a reasonable alternative standard to qualify for the full reward and communicating the surcharge to employees in all materials.

IRS ISSUES ACA REPORTING GUIDANCE ON INDIVIDUAL STATEMENTS

The IRS has issued Notice 2025-15, providing guidance on the alternative manner of furnishing statements to covered individuals and full-time employees using Forms 1095-B and 1095-C in accordance with the Affordable Care Act’s (ACA) reporting requirements.

The Paperwork Burden Reduction Act, enacted at the end of 2024, provides that reporting entities are no longer required to send Forms 1095-B and 1095-C to covered individuals and full-time employees unless a form is requested. Essentially, IRS Notice 2025-15 confirms that employers can satisfy the alternative manner of furnishing Forms 1095-C upon request if they comply with the alternative manner of furnishing Forms 1095-B, which has been in effect for the past few years.

To take advantage of the alternative reporting method, IRS Notice 2025-15 confirms that an employer must post a clear and conspicuous notice on its website stating that individuals may receive a copy of their statement upon request. The notice must be posted by the furnishing deadline (e.g., March 3, 2025, for 2024 statements). It must include an email address, a physical address to which a request may be sent and a telephone number to contact the employer. Employers must retain the notice in the same location through Oct. 15 of the year following the calendar year to which the statement relates (e.g., Oct. 15, 2025, for 2024 statements).

In addition, any request must be fulfilled by Jan. 31 of the year following the calendar year to which the return relates or 30 days after the date of the request, whichever is later.

Employers must continue to comply with applicable state reporting requirements. The alternative furnishing method set forth in IRS Notice 2025-15 applies to federal reporting requirements.

Live Well, Work Well - March 2025

Wed, 26 Mar 2025 13:00:18 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about the power of protein, a 5-minute daily walk, and preparing for tax-filing season.

THE POWER OF PROTEIN

Protein is having a moment, and it’s for good reason. While some focus on it for muscle-building, others view it from a weight-loss perspective. Regardless of personal goals, protein is a macronutrient essential for body function. It is made up of many building blocks called amino acids and is fundamental for good health.

The Dietary Guidelines for Americans 2020–25 recommend that adults consume 10%-35% of their total calories from protein. Depending on their activity level, age and weight, some people might need more.

Some people like to calculate their protein needs in grams instead of percentages. For example, if their daily needs are 2,000 calories, protein would make up 200-700 calories, which is 50-175 grams.

Healthy protein sources include eggs, fish, lean meats and low-fat dairy. Good plant sources include nuts, seeds, beans and lentils. Health experts recommend spreading out your protein consumption throughout the day. Eating more protein at breakfast could also help decrease hunger and cravings later in the day. Keep in mind that protein shouldn’t make up your entire meal; it should accompany fruits, vegetables and whole grains. Most people get enough protein from whole foods, but protein supplements are popular alternatives, especially for vegans and lactose intolerant individuals.

Benefits of Protein

Protein is a vital part of one’s diet. As such, there are several benefits of protein, including the following:

• Builds muscle mass and strength

• Strengthens bones

• Aids in injury recovery

• Reduces hunger by keeping you full for long

periods

• Forms essential enzymes, hormones and

vitamins

Recognizing the multifaceted importance of protein underscores the need to incorporate protein sources into your diet to maintain optimal health.

Talk to your doctor if you have any questions about your diet or how to develop a balanced eating plan.

A DAILY 5-MINUTE WALK COULD MAKE A DIFFERENCE

It’s easy to feel overwhelmed by fitness trends or goals. While research shows that 11 minutes of moderate-to-vigorous exercise daily may lower your risk of cancer, cardiovascular disease or premature death, another health expert is praising the accessible exercise form of walking.

The National Jewish Health’s director of cardiovascular prevention and wellness expressed that even a short amount of walking—just five minutes—has health benefits and supports future exercise goals. Walks improve the body’s blood flow and boost creativity and productivity. Like any other exercise, walking also helps strengthen muscles and delivers oxygen to the brain and muscles.

How to Walk More Each Day

Fortunately, walking can easily be implemented into a routine. Consider the following tips for including more walking into your daily routine:

• Make small goals. For example, you could take a five-minute walk at lunch each day. Doing so makes you more likely to succeed in maintaining a new walking habit.

• Walk with friends. This encourages you to keep the habit because you know others are counting on you, and it also keeps the walks from becoming monotonous.

• Set reminders. Decide when to walk during the day and set reminders. It’s easy to forget to take a break when you get into your work.

• Diversify your routine. Change your walking routes to prevent boredom, or try walking at different speeds throughout your walk.

• Listen to your body. Don’t be afraid to take time off or modify your routine. Pay attention to your body’s signals and take care of yourself so you can maintain your new routine.

The key is to make movement a regular part of your day, even if it’s a five-minute walk. Talk to your doctor and discuss what works best for you to learn more about creating an active routine.

PREPARING FOR TAX-FILING SEASON

Tax season is here, so if you haven’t done so already, it’s time to gather all the appropriate information you need to file your 2024 tax returns.

The federal tax return deadline is Tuesday, April 15, 2025.

However, due to federal disaster relief, millions of Americans have extensions this year. Taxpayers in Alabama, Florida, Georgia, North Carolina and South Carolina, and parts of Alaska, New Mexico, Tennessee, Virginia and West Virginia have until May 1 to file their returns and pay taxes. The IRS also extended the deadline to Oct. 15 for victims of California wildfires.

Many people elect to file their tax returns electronically. This can be done in various ways, such as using tax preparation software or consulting a tax professional. If you are filing with a paper form, there are certain documents you must include. The documentation needed may vary based on your employment status over the past year. If you have questions about your tax-filing situation, consult with a tax professional.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - March 2025

Mon, 10 Mar 2025 15:29:40 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about ERISA Fiduciary Breach Claims Dismissed in Prescription Drug Lawsuit and DOL Addresses Interaction Between the Federal FMLA and State PFML Programs.

ERISA FIDUCIARY BREACH CLAIMS DISMISSED IN RESCRIPTION DRUG LAWSUIT

On Jan 24, 2025, a U.S. District Court for the District of New Jersey dismissed two claims in a class-action lawsuit filed against Johnson & Johnson (J&J), which alleged that the company breached its fiduciary duties under ERISA by mismanaging its prescription drug benefits plan and costing the plan and its participants millions of dollars due to higher out-of-pocket costs for prescription drugs and higher premiums, among other things.

In dismissing the two fiduciary breach claims, the court ruled that the plaintiff (an employee of J&J) lacked standing to bring a lawsuit. The court found the plaintiff's first claim, that she paid more in premiums due to the defendants' purported breach of fiduciary duty, did not sufficiently show evidence of an injury. Further, the outcome of the lawsuit would not affect the plaintiff's future benefit payments, and the plaintiff failed to show that the defendant's specific conduct resulted in higher premiums.

Regarding the plaintiff’s second claim that she paid higher prices for drugs under the plans and thus paid more out of pocket, the court acknowledged that she suffered an injury that was traceable to the defendants’ alleged ERISA violations. Notwithstanding, the plaintiff lacked standing based on this injury because a favorable decision would not be able to compensate her for the money she already paid, given that she had reached her prescription drug cap for each year asserted in the complaint.

While the J&J ruling can be viewed favorably for employers in their roles as plan sponsors, the outcome of fiduciary litigation that was filed after the J&J case remains to be seen. Factors such as plan design and the specific allegations regarding how the defendants breached their fiduciary duties could result in different outcomes.

DOL ADDRESSES INTERACTION BETWEEN THE FEDERAL FMLA AND STATE PFML PROGRAMS

In Opinion Letter FMLA 2025-01-A, the U.S. Department of Labor (DOL) addressed the interaction between state and local paid family and medical leave (PFML) and leave taken under the federal Family and Medical Leave Act (FMLA).

The FMLA provides 12 weeks of unpaid, job-protected leave per year for specified family and medical reasons. While FMLA leave is unpaid, the law allows the employee to elect, or an employer to require the employee, to substitute accrued employer-provided paid leave (such as paid vacation or paid sick leave) for any part of the unpaid FMLA leave.

The DOL’s opinion letter states that although the FMLA statute and regulations do not address state or local PFML, employers must designate PFML as FMLA leave when it is also FMLA-qualifying. Furthermore, the employer and employee may agree to use the employee’s accrued paid leave from the employer to supplement the PFML payments, as permitted by state law.

However, the FMLA’s substitution provision does not apply. Neither the employer nor the employee may unilaterally require that employer-provided accrued paid leave run concurrently with PFML taken for an FMLA purpose. Other than the substitution provision, all of the protections of the FMLA, including its anti-retaliation provisions, apply during the time the PFML and the FMLA leave run concurrently. Additionally, the substitution provision would apply for any remaining FMLA leave once the state or local paid leave is exhausted.

Live Well, Work Well - February 2025

Mon, 03 Mar 2025 19:23:48 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about 2025's best diet, building heart-healthy habits, and the benefits of strength training.

2025'S BEST DIET: THE MEDITERRANEAN

For the eighth consecutive year, U.S. News & World Report named the Mediterranean diet the world's best overall diet. This diet can help support brain function, promote heart health and regulate blood sugar levels. Research also suggests that this well-balanced eating pattern can help prevent some chronic diseases and increase longevity.

Because the Mediterranean diet is nonrestrictive, almost anyone can follow it and adapt it to their personal and cultural food preferences.

The winning meal plan emulates how people in the Mediterranean region have traditionally eaten, focusing on whole grains and heart-healthy fats. These foods are encouraged in the diet:

• Fruits (e.g., apples, bananas, grapes, melons, oranges, peaches, pears and strawberries)

• Vegetables (e.g., artichokes, broccoli, Brussels sprouts, carrots, cucumbers, kale, spinach, onions, spinach and sweet potatoes)

• Nuts and seeds (e.g., almonds, cashews, hazelnuts, macadamia nuts, pumpkin seeds, peanut butter, sunflower seeds and walnuts)

• Legumes (e.g., beans, chickpeas, lentils, peanuts and peas)

• Whole grains (e.g., barley, buckwheat, brown rice, oats and whole-wheat bread and pasta)

• Fish and seafood (e.g., crab, mussels, oysters, salmon, sardines, shrimp, trout and tuna)

• Herbs and spices (e.g., basil, cinnamon, garlic, mint, nutmeg, rosemary and sage)

• Healthy fats (e.g., avocados, avocado oil, extra virgin olive oil and olives)

The meal plan also encourages poultry (e.g., chicken, duck and turkey), eggs, cheese and yogurt in moderation. Sweets, red meat and other highly processed foods should be limited.

A nonrestrictive healthy eating regimen such as the Mediterranean diet may be easier to follow and stay committed to. After all, you can start building Mediterranean-inspired meals with foods you already love or by incorporating more fruits and vegetables into your meals and snacks.

U.S. News & World Report also ranked diets for 21 categories based on health and lifestyle goals, so check out the full results. Talk to your doctor about any diet-related questions.

BUILDING HEART-HEALTHY HABITS

Heart disease is the leading cause of death in the country for both men and women, accounting for 1 out of every 5 deaths. Cardiovascular disease and the conditions that lead to it can happen at any age. Some types of heart disease include arrhythmia, heart failure, heart attack and stroke.

The American Heart Association predicts that roughly 61% of U.S. adults will have some type of cardiovascular disease by 2050.

A heart-healthy lifestyle can reduce the risk of heart disease, and small changes can make a difference. Consider these incorporating these practical tips:

• Get screened . A heart disease screening checks your blood pressure, cholesterol and blood glucose levels. If you don’t know these numbers, a baseline screening is a starting point for monitoring your health.

• Eat healthy. It’s crucial to control portion sizes and consume a balanced diet full of fruits, vegetables, whole grains and protein. Limit fast, fried and processed foods, saturated and trans fats, and sodium.

• Be active . It’s important to engage in aerobic activity for at least 150 minutes weekly and muscle-strengthening activities two times per week. Flexibility workouts, such as stretching and balance, support musculoskeletal health and can help you keep up with your exercises.

• Avoid or quit smoking . Nicotine raises blood pressure, so quit smoking or vaping. Breathing secondhand smoke also affects your heart.

February is American Heart Month, which is a great time to take charge of your heart health and get screened. Your doctor can also provide more information about heart health and warning signs.

THE BENEFITS OF STRENGTH TRAINING

Strength training, also known as weight lifting or resistance training, is growing as a fitness trend as people recognize its impact on long-term health. The goal is to use your body weight or equipment (e.g., free weights, kettlebells and resistance bands) to build muscle mass and endurance. It’s recommended to incorporate muscle-strengthening exercises at least twice a week, combined with aerobic activity.

This type of exercise isn’t just for athletes; anyone can benefit from regular strength training. Think of it as training for everyday life. Strength training allows you to perform daily tasks—such as climbing stairs, lifting children and doing household chores— more easily, which is especially important as you age. Regular strength training may result in:

• Increased muscle mass

• Stronger, denser bones

• Boosted metabolism

• Better flexibility and mobility

• Reduced risk of injury or falls

• Lowered risk of heart disease and diabetes

• Elevated mood, self-esteem and brain health

Strength training provides several benefits, but start slowly and focus on your form first. As you get more comfortable, you can add more weight or resistance or increase repetitions. If this feels intimidating, online videos, small group classes or trainers can help. Always speak with your health care provider before beginning a new exercise program.

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. © 2025 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - February 2025

Wed, 12 Feb 2025 19:59:44 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the new ACA Reporting, Penalty Relief and the DOL increasing Civil Penalty Amounts for 2025.

NEW ACA REPORTING AND PENALTY RELIEF

At the end of 2024, Congress passed two new laws, the Paperwork Burden Reduction Act and the Employer Reporting Improvement Act, which eased Affordable Care Act (ACA) reporting requirements for employers and set new limits on the IRS’ assessment of “pay-or-play”

penalties.

As background, the ACA requires applicable large employers (ALEs) and non-ALEs with self-insured health plans to provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. They must also provide related statements to individuals regarding their health plan coverage.

Before 2025, ALEs were required to provide each fulltime employee with a statement regarding their health coverage (Form 1095-C) within 30 days of Jan. 31 each year. The IRS has allowed non-ALEs with self-insured health plans to provide health coverage statements (Forms 1095-B) to covered individuals upon request only. Beginning in 2025, this flexibility is extended to ALEs for furnishing Forms 1095-C.

Accordingly, employers are no longer required to send Forms 1095-C and 1095-B to individuals unless a form is requested . Employers must give individuals timely notice of this option in accordance with any requirements set by the IRS. Requests must be fulfilled by Jan. 31 of the year following the calendar year to which the return relates or 30 days after the date of the request, whichever is later. The statements may be provided electronically to individuals who have consented in the past.

ALEs and non-ALEs with self-insured plans are still required to file ACA returns with the IRS. The deadline for electronic filing is March 31, 2025.

In addition, ALEs are subject to IRS penalties if they do not offer affordable minimum essential coverage under the ACA’s employer shared responsibility (pay-or-play) rules. The new legislation increases the time ALEs have to respond to IRS penalty assessment warning letters from 30 days to 90 days. The legislation also imposes a six-year time limit on when the IRS can try to collect assessments.

DOL INCREASES CIVIL PENALTY AMOUNTS FOR 2025

On Jan. 10, 2025, the U.S. Department of Labor (DOL) published the 2025 inflation-adjusted civil monetary penalties that may be assessed for a wide range of employee benefit-related violations.

To maintain their deterrent effect, the DOL is required to adjust these penalties for inflation no later than Jan. 15 of each year. Key penalty increases include the following:

• Summary of Benefits and Coverage (SBC) : Failure to provide group health plan participants and beneficiaries with an SBC may now result in a penalty of up to $1,443 per participant or beneficiary.

• Form 5500 filings : Failure to file an annual Form 5500 with the DOL can now result in a penalty of up to $2,739 per day.

• Children’s Health Insurance Program (CHIP) notice: Failure to provide the annual notice regarding CHIP coverage opportunities may now result in a penalty of up to $145 per day (each employee is a separate violation).

• 401(k) disclosures : Failure to provide blackout notices and notice of the right to divest employer securities may now result in penalties of up to $173 per day.

• DOL-requested plan information: Failure to provide plan-related information requested by the DOL can now result in penalties of up to $195 per day, not to exceed $1,956 per request.

Benefit Buzz - January 2025

Wed, 22 Jan 2025 21:00:48 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about PCORI Fee Adjustments and the new Mental Health Parity Requirements.

PCORI FEE AMOUNT ADJUSTED FOR 2025

The IRS recently issued Notice 2024-83 to increase the Patient-Centered Outcomes Research Institute (PCORI) fee amount for plan years ending on or after Oct. 1, 2024, and before Oct. 1, 2025. The updated PCORI fee amount is $3.47 multiplied by the average number of lives covered under the plan.

For plan years that ended on or after Oct. 1, 2023, and before Oct. 1, 2024, the PCORI fee amount is $3.22 multiplied by the average number of lives covered under the plan.

The PCORI fee is imposed on health insurance issuers and self-insured plan sponsors to fund comparative effectiveness research. It applies through the plan or policy year ending before Oct. 1, 2029.

PCORI fees are reported and paid annually on IRS Form 720 (Quarterly Federal Excise Tax Return). These fees are due each year by July 31 of the year following the last day of the plan year. For plan years ending in 2024, the PCORI fee is due by July 31, 2025. Employers with self insured health plans should have reported and paid PCORI fees for 2023 by July 31, 2024.

NEW MENTAL HEALTH PARITY REQUIREMENTS TAKE EFFECT IN 2025

In September 2024, federal agencies released a final rule to strengthen the requirements of the Mental Health Parity and Addiction Equity Act (MHPAEA). The final rule is designed to help ensure individuals do not face greater restrictions to obtaining mental health and substance use disorder (MH/SUD) benefits than they would face for medical/surgical (M/S) benefits.

Significantly, the final rule adds protections against more restrictive nonquantitative treatment limitations (NQTLs), such as network composition, out-of-network reimbursement rates and prior authorization requirements. For example, the final rule requires group health plans and health insurance issuers to collect and evaluate data related to the NQTLs they place on MH/SUD care and make changes if the data shows they are providing insufficient access.

The final rule generally applies for plan years beginning on or after Jan. 1, 2025; however, certain key requirements, such as the NQTL data evaluation requirements, apply for plan years beginning on or after Jan. 1, 2026.

The final rule also establishes minimum standards for developing comparative analyses to assess whether an NQTL, as written and in operation, complies with MHPAEA’s requirements. Plans and issuers that cover both M/S benefits and MH/SUD benefits and impose NQTLs on MH/SUD benefits must perform and document a comparative analysis of the design and application of each applicable NQTL.

In many cases, issuers and third-party administrators will help prepare comparative analyses for employer sponsored health plans. However, the final rule requires the comparative analyses for ERISA-covered plans to also include a plan fiduciary’s certification that they have engaged in a prudent process and monitored their service providers.

Live Well, Work Well - November 2024

Tue, 10 Dec 2024 19:14:27 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about mindfulness, daylight savings time, and 2 key aging points.

FALL INTO MINDFULNESS

The changing seasons can help you prioritize your physical, emotional and mental health by presenting the opportunity to start new routines or cut out unhealthy habits. Autumn is a great time to embrace the concept of mindfulness, the practice of being fully present in the moment.

Mindfulness can help people embrace seasonal transitions and make space for new experiences and personal growth.

Making the Most of the Season

Fall is a season of transition, making it a good time for building resilience and practicing mindfulness. Trees shed their leaves, and the days grow shorter; this natural process may mirror personal lives, where change is inevitable. Consider the following ways to work with the energy of fall to amplify your mindfulness practice:

• Start each day with an intention . People often set goals and intentions seasonally, making fall the perfect time to refocus your time and energy. Setting intentions can help align your values with your purpose.

• Keep a gratitude journal . Make a daily habit of noting what you’re grateful for during the fall. Reflecting on these moments of gratitude can help you appreciate the season more deeply.

• Practice meditation . Take a moment each day to meditate and practice deep, mindful breathing. This exercise can help you stay grounded and calm during the busyness of the season.

• Take a nature walk . Take hikes or leisurely walks through parks, forests or your neighborhood to soak in the beauty of fall. Instead of listening to music or a podcast, try a “quiet walk” and leave your phone at home, or set the volume to silent so you can stay focused on the experience.

• Go photo walking . Alternatively, take your phone or camera along during a nature walk to capture the season’s sights. Not only will you get movement in, but you can also unleash your creativity and connect with your surroundings.

• Cook a seasonal recipe . Savor the seasonal flavors and cook a delicious homemade meal or bake a sweet treat. Fall flavors (e.g., apple, pumpkin, maple, ginger, cinnamon and sage) can add a comforting touch to your cooking.

Like with any exercise, regular practice builds mindfulness, so find ways to incorporate mindful activities or insert them into an existing daily or weekly routine. Contact a doctor for more information on improving your mindfulness.

DAYLIGHT SAVING TIME

Most of the United States shifts between standard and daylight saving time (DST) each year in an effort to “save” natural light. Clocks will get set one hour back on Sunday, Nov. 3. Although you may be excited about gaining another hour in your day, DST can wreak havoc on your physical and cognitive health for several days, weeks or even months.

The disruption of DST can negatively impact your health. Your internal clock regulates critical processes, including the immune system. Interruptions to the circadian rhythm, your body’s 24-hour biological cycle that regulates wake and sleep, can also impair your focus and judgment. In fact, research revealed that fatal traffic accidents increased by 6% in the week following DST. Fortunately, there are ways to increase your odds of a smooth DST transition.

While you may be tempted to use the extra hour to indulge in various activities, health experts recommend using that time for sleep. To help make the DST transition easier, consider going to bed 15-20 minutes early in the days beforehand to help your body get used to the difference. If you have specific health concerns, talk to your doctor.

Helping Your Body Adjust to the Time Change

If your state follows DST, consider these tips to protect your circadian rhythm: exercise in the morning, prioritize daylight exposure, keep a regular sleep routine, and remove sleep disturbances.

STUDY REVEALS 2 KEY AGING POINTS

The body undergoes numerous changes—externally and internally—as people age. While it’s traditionally believed that humans age gradually, research from the Stanford University School of Medicine revealed that people age in two significant “bursts” during their lives. Researchers found that humans undergo major changes in their bodies’ molecules and microorganisms around ages 44 and 60. These changes potentially impact several aspects of a person’s health. For those in their 40s, researchers found significant molecular changes related to alcohol, caffeine and lipid metabolism; cardiovascular disease; and skin and muscle. At 60, the largest molecule changes were associated with cardiovascular disease, immune regulation, kidney function, carbohydrate and caffeine metabolism, and skin and muscle. The study recommended lifestyle changes, such as exercising more and drinking less alcohol, when people near these key aging points in their 40s and 60s. Talk to your doctor to learn more.

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. © 2024 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - November 2024

Tue, 19 Nov 2024 14:19:38 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the final forms and instructions for 2024 ACA Reporting and the IRS releases Health FSA limits for 2025.

FINAL FORMS AND INSTRUCTIONS FOR 2024 ACA REPORTING NOW AVAILABLE

The IRS has released final 2024 forms and instructions for reporting under Internal Revenue Code Sections 6055 and 6056:

• 2024 Forms 1094-B and 1095-B (and instructions) can be used by providers of minimum essential coverage— including self-insured plan sponsors that are not applicable large employers (ALEs)—to report under Section 6055.

• 2024 Forms 1094-C and 1095-C (and instructions) can be used by ALEs to report under Section 6056, as well as for combined Section 6055 and 6056 reporting by ALEs who sponsor self-insured plans.

No major changes were made to the final forms and instructions for 2024 reporting. As a reminder, the electronic filing threshold for returns required to be filed on or after Jan. 1, 2024, is 10 or more returns (originally, the threshold was 250 or more returns). This requirement applies in the aggregate to certain information returns. Accordingly, a reporting entity may be required to file fewer than 10 of the applicable Form 1094 and 1095 but still have an electronic filing obligation based on other kinds of information returns filed (e.g., Forms W-2 and 1099).

Employers should become familiar with the forms and instructions for 2024 calendar year reporting and prepare to promptly furnish individual statements and file returns.

Individual statements for 2024 must be furnished by March 3, 2025 . Electronic IRS returns for 2024 must be filed by March 31, 2025 .

IRS RELEASES HEALTH FSA LIMITS FOR 2025

On Oct. 22, 2024, the IRS released Revenue Procedure 2024-40 (Rev. Proc. 24-40), which includes the inflation-adjusted limits for 2025 for health flexible spending accounts (FSAs). For plan years beginning in 2025, the adjusted dollar limit on employees’ pre-tax contributions to health FSAs increases to $3,300. This is a $100 increase from the 2024 health FSA limit of $3,200.

Also, employers should confirm their health FSA contribution limit is included in the plan’s documents and communicate it to employees at enrollment time.

In addition, as an exception to the use-or-lose rule, employers with health FSAs may allow employees to carry over a certain amount of funds remaining at the end of a plan year to reimburse eligible expenses incurred in the plan year immediately following. The maximum carryover amount is adjusted annually for inflation. For 2025, Rev. Proc. 24-40 increases the maximum carryover limit to $660 (from $640 for 2024).

Provided to you by MFC Benefits, LLC

© 2024 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

Live Well, Work Well - October 2024

Thu, 31 Oct 2024 15:11:02 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about this year's flu season, the power of breathwork, and how to plan for a stress-free holiday season.

WHAT TO KNOW ABOUT THIS YEAR'S FLU SEASON

In the United States, influenza (flu) season lasts from October through May, with peak flu activity between December and March.

What's more, flu season in the Southern Hemisphere often indicates what's to come in the United States. Data revealed that the 2024 flu season in the Southern Hemisphere was similar to previous flu seasons. With the potential for this year's flu season to be severe in the United States, vaccination remains the most effective way to prevent the flu, especially severe disease and hospitalization.

The U.S. Centers for Disease Control and Prevention (CDC) estimates that the flu caused between 9 million and 41 million illnesses annually between 2010 and 2023.

How to Stay Healthy

The flu can cause serious complications for people of any age, but children and older adults are especially vulnerable. To help keep your household healthy this flu season, consider these tips:

- Get the flu vaccine. Being vaccinated against the flu is your best chance of preventing the illness. The CDC recommends that anyone aged 6 months and older get a flu shot every year.

- Avoid close contact with people who are sick, and stay away from others when you feel unwell. Because flu, cold and COVID-19 symptoms are similar, doctors say it's best to get tested to know what you have.

- Wash your hands often using soap and warm water to protect against germs. If soap and water are unavailable, use an alcohol-based hand sanitizer.

- Cover your mouth and nose. Cough or sneeze into a tissue or your elbow, and dispose of tissues immediately.

- Get seven to nine hours of quality sleep each night to boost your immune system.

- Exercise regularly to strengthen your body and make it more resilient against infections, including the flu.

- Stay hydrated and eat a nutritious diet rich in whole grains, lean proteins, fruits, vegetables, and fiber.

Experts recommend getting vaccinated against the flu by the end of October, so don't delay getting your shot. Contact your doctor today to learn more about vaccines.

THE POWER OF BREATHWORK

Breathwork, an ancient practice now embraced in modern wellness, benefits physical and mental health. By consciously altering your breathing patterns, you can:

- Reduce stress. You'll activate the parasympathetic nervous system, promoting relaxation and reducing chronic stress.

- Enhance focus. Slow, deep breathing can improve your concentration and emotional resilience.

- Boost overall health. Breathwork positively impacts physical health, emotional well-being and sleep quality.

Taking a few intentional breaths can make a difference, so try the techniques below.

COMMON BREATHING TECHNIQUES

- Equal breathing: inhale and exhale for the same amount of time, such as breathing in for four seconds and out for four.

- Box breathing: mirroring the shape of a box, inhale for a count of four, hold for four, exhale for four and hold for four.

- Deep breathing: for the 4-7-8 technique, breathe in for a count of four seconds, hold for seven and breathe out for eight.

START PLANNING NOW FOR A STRESS-FREE HOLIDAY SEASON

While the holiday season often brings joy, it can also cause stress for many individuals. Top holiday stressors include budgeting, managing multiple commitments and finding the perfect gifts. Fortunately, getting organized and planning what you can do ahead of time can help reduce your holiday stress. Consider these tips:

- Write down any known commitments . Are you hosting a holiday dinner? Does your child's school have a seasonal concert? Make a list of your commitments will help you plan your time accordingly and avoid double-booking yourself.

- Create your budget now . If you're stressed about how your holiday spending will impact you after the season ends, you're not alone. Set and stick to a realistic budget. Remember that a gift's sentiment is more important than the cost.

- Start shopping early. Sometimes, you can get great deals on presents before the holiday season hits. Also, you can avoid the scenario (and stress) of not being able to get the gift you want because it's sold out.

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. © 2024 Zywave, Inc. All rights reserved.

Download the PDF copy here.

Benefit Buzz - October 2024

Thu, 17 Oct 2024 13:07:48 GMT

Benefit tips brought to you by MFC Benefits, LLC

Learn more about the ACA's Pay-or-Play Affordability Percentage Increases for 2025 and the Mental Health Parity Law.

ACA'S PAY-OR-PLAY AFFORDABILITY PERCENTAGE INCREASES FOR 2025

On Sept. 6, 2024, the IRS released the affordability percentage threshold for 2025 plan years under the Affordable Care Act's (ACA) pay-or-play rules. These rules require ALEs to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or risk paying a penalty.

For plan years beginning in 2025, employer-sponsored coverage will be considered affordable under the ACA's pay-or-play rules if the employee's required contribution for self-only coverage does not exceed 9.02% of their household income for the year. This is an increase from the affordability percentage for 2024 plan years (8.39%). Due to this increase, applicable large employers (ALEs) may have more flexibility when setting employee contribution levels for the 2025 plan year.

The ACA's affordability test applies only to the portion of the annual premiums for self-only coverage and does not include any additional cost for family coverage. Also, if an employer offers multiple health coverage options, the affordability test applies to the lowest-cost option that provides minimum value.

Because an employer generally will not know an employee's household income, the IRS has provided three optional safe harbors that ALEs may use to determine affordability based on information that is available to them: the Form W-2 safe harbor, the rate of pay safe harbor and the federal poverty level safe harbor.

FINAL RULE STRENGTHENS MENTAL HEALTH PARITY LAW

On Sept. 9, 2024, the Departments of Labor, Health and Human Services, and the Treasury (Departments) released a final rule to strengthen the requirements of the Mental Health Parity and Addiction Equity Act (MHPAEA). The final rule is designed to ensure that individuals do not face greater restrictions to obtaining mental health and substance use disorder (MH/SUD) benefits than they would face for medical/surgical benefits.

The final rule adds protections against more restrictive nonquantitative treatment limitations (NQTLs), such as preauthorization requirements and network composition standards. For example, the final rule requires group health plans and health insurance issuers to collect and evaluate data related to the NQTLs they place on MH/SUD care and make changes if the data shows they are providing insufficient access.

The final rule also establishes minimum standards for developing comparative analyses to assess whether NQTLs comply with MHPAEA's requirements. In most cases, employers rely on issuers and third-party vendors to prepare comparative analyses for their health plans. However, the final rule requires the comparative analyses for health plans covered by ERISA to include a fiduciary's certification that they have engaged in a prudent process and monitored their service providers.

The final rule generally applies for plan years beginning on or after Jan. 1, 2025; however, certain key requirements, such as NQTL data requirements, apply for plan years beginning on or after Jan.1, 2026.

Live Well, Work Well - September 2024

Tue, 01 Oct 2024 14:55:41 GMT

Health and Wellness tips brought to you by MFC Benefits, LLC

Learn more about cholesterol, knowing if you are prepared for a natural disaster, and the mental health crisis hotline.

CHOLESTEROL AND YOU

Cholesterol is a waxy substance found in your blood that your body needs to build cells; however, too much can pose a problem. Cholesterol travels through the blood on proteins called lipoproteins. There are two types of lipoproteins:

1. Low-density lipoprotein (LDL), known as bad cholesterol , makes up most of your body's cholesterol. High levels of LDL cholesterol can increase your risk for heart disease and stroke.

2. High-density lipoprotein (HDL), known as good cholesterol , absorbs cholesterol and carries it back to the liver to be flushed from the body.

More than 40% of U.S. adults with high cholesterol don't know they have it, according to a study published in JAMA Cardiology.

High cholesterol usually has no symptoms, so the American Heart Association (AHA) recommends that adults age 20 or older have their cholesterol checked every four to six years. Bad cholesterol can be elevated by age, family history, certain health conditions (e.g., Type 2 diabetes and obesity) and lifestyle factors. While you can't control all those risk factors, you can take steps to lower your risk for high cholesterol with the following lifestyle changes:

- Eat a heart-healthy, balanced diet. Saturated and trans fats can increase your cholesterol, so focus on monounsaturated fats (e.g., olive oil, nuts, and avocados) and polyunsaturated fats (e.g., salmon, herring and margarine). Also, limit red meat, fried foods, processed meats and baked goods.

- Exercise regularly. The AHA recommends individuals get at least 150 minutes of moderate aerobic exercise each week. Adding resistance exercises to your routine at least twice a week can further help.

- Avoid or quit smoking. Smoking tobacco increases LDL cholesterol, decreases HDL cholesterol and can result in cholesterol buildup in one's arteries.

- Limit alcohol use. If you consume alcohol, do so in moderation. For men, typically means up to 2 drinks per day, and for women, 1 drink per day.

- Maintain a weight that is healthy for you. Having excess weight or obesity can increase your risk of developing high cholesterol levels. A doctor can help determine a sustainable weight management plan.

The only way to know whether you have high cholesterol is to check your levels. Visit your doctor for a cholesterol screening and to discuss lifestyle risks.

ARE YOU PREPPED FOR A DISASTER?

Disasters such as hurricanes, tornadoes, floods and earthquakes can strike with little to no warning. September is National Preparedness Month, making it a good time for you and your household to make a plan if you need to evacuate your home or get trapped inside for days. The Federal Emergency Management Agency (FEMA) recommends discussing the following questions when creating an emergency plan:

- How will I receive emergency alerts and warnings?

- What is my shelter plan?

- What is my evacuation route?

- What is my household communication plan?

- Do I need to update my emergency preparedness kit?

You'll also need to consider your household's specific needs, make an emergency plan and practice it with your family members. These tips pertain to your home, but remember that emergencies can happen anywhere. Visit FEMA's website, Ready.gov, to learn more about preparing for emergencies at home, at work and on the road.

Emergency Supply Kit Checklist

- Water

- Nonperishable food

- Flashlight

- Whistle

- Dust mask

- Local maps

- Manual can opener

- Battery-powered radio

- First-aid kit

- Pet supplies

DON'T FORGET ABOUT THE 988 MENTAL HEALTH CRISIS HOTLINE

The 988 Suicide and Crisis Lifeline (988) was launched nationwide in July 2022. Like dialing 911 for medical emergencies, people in emotional distress or suicidal crisis can call and text 988 to connect with counselors who will listen, provide support and connect them to resources. Since 988's launch, counselors have answered over 10 million calls, texts, and chats. Despite the volume, a new poll revealed that only 23% of Americans are at least somewhat familiar with 988.

988 provides immediate and accessible care to anyone experiencing mental health-related distress, including thoughts of suicide, mental health or substance use crisis, or other emotional struggles. It's vital to continue spreading the word about 988. People can also call if they are worried about a loved one who may need immediate support.

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. © 2024 Zywave, Inc. All rights reserved.

Download the PDF copy here.