PROVIDING TAILORED BENEFIT SOLUTIONS SINCE 1986

Insurance

GROUP PRODUCTS

In our highly competitive economy, being able to offer your employees exceptional benefit packages is a key component in good management. Let MFC Benefits create the perfect customized package for your company.
Learn More
Benefit Services

   BENEFIT SERVICES

From informational seminars to programs tailored to your company's needs, we offer a wide range of benefit services. Let us help you provide your staff with the benefits they want and need.

Learn More
About our team

ABOUT US

The secret to our success is our team of professional benefits advisors and service representatives. Call us today at 248-663-4765 and we'll design, implement, and service an exclusive benefit package for your business.
Learn More

MISSION STATEMENT

Designing, implementing, and servicing exclusive benefit packages for you and your employees.

LATEST MEDIA

November 25, 2025
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.
November 20, 2025
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. 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
Show More

Happy Customer Reviews


Memberships
Mutual of Omaha
Blue Cross and Blue Shield Association
AETNA
Priority Health