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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.

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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.
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LATEST MEDIA

January 27, 2026
Learn more about clearing clutter for your health, the health benefits of dry January, and how to rescue your skin this winter. CLEAR THE CLUTTER FOR YOUR HEALTH January is recognized as Get Organized Month, making it the perfect time to refresh your space and mindset. Clutter doesn’t just take up physical space—it can weigh on your mental health, increase stress and even impact productivity. By clearing the clutter, you set yourself up for a healthier, more successful year. A survey commissioned by The Container Store revealed that 7 in 10 Americans pin the success of a new year on a clutter-free home Being organized extends beyond having a neat desk or a tidy home; it has a direct impact on your overall well-being. A cluttered environment can lead to feelings of overwhelm and anxiety, making it harder to concentrate and complete tasks efficiently. When your surroundings are orderly, your mind feels clearer, decision-making becomes easier and stress levels drop. Organization also saves time and energy, allowing you to focus on what truly matters instead of searching for misplaced items or juggling chaos. In short, an organized space creates a sense of control and calm that benefits both your mental and physical health. Getting organized may seem overwhelming, but small, manageable steps can add up to big results: • Start small. Pick one area, such as a drawer, a shelf, or even your email inbox, and tackle it first. Success in one spot builds momentum. • Declutter daily. Spend just 10 minutes each day putting things back in their place. This simple habit prevents clutter from piling up. • Create systems. Use labeled bins, folders or digital tools to keep items easy to find. • Go digital. Reduce paper clutter by scanning important documents and storing them securely in the cloud. • Set limits. Adopt a “one in, one out” rule for new items to keep your space from becoming overcrowded. Organization isn’t about perfection—it’s about creating a space that supports your goals and wellbeing. By making small, consistent changes, you’ll feel more in control and energized for the year ahead. HEALTH BENEFITS OF DRY JANUARY As the holidays end, Dry January is a popular wellness challenge where participants abstain from alcohol for the entire month. This initiative encourages people to take a break from drinking after the often-indulgent holiday season. The goal is to reassess one’s relationship with alcohol and start the new year with a fresh perspective. Many people use the month to reflect on their drinking habits and make more mindful choices about alcohol. While a month of sobriety can seem overwhelming to some, it comes with some advantages. A brief break from moderate to heavy alcohol consumption may offer the following health-related benefits: • Better sleep • Increased focus • Improved mood • Boosted energy • Clearer complexion • Potential weight loss Alcohol can also contribute to various health conditions, such as high blood pressure, kidney or liver problems, heart disease and certain cancers. As such, a period of sobriety can positively affect one’s well-being and overall health. If you have any questions or concerns about your alcohol consumption, talk to a health care professional. RESCUE YOUR SKIN THIS WINTER Taking care of your skin properly can be challenging. The task can seem almost impossible to achieve when the temperature and humidity levels drop. Having dry skin may not seem like the most concerning health issue, but not treating it can result in itchiness, cracked or painful skin, as well as eczema and dermatitis. A Harris Poll found that 6 in 10 Americans say their skin feels "unhealthy" during the winter. Consider these skin care tips for the winter months: • Adjust your shower routine. The length and temperature of your showers can significantly impact the dryness of your skin. Long and hot showers during the cold months can strip the natural oils from your skin, leaving it dry. Try short, lukewarm showers instead. • Use moisturizer. Applying moisturizer, especially after showering, can help keep your skin hydrated and prevent dryness. • Avoid products with fragrances. Oftentimes, the better a product smells, the more irritating it can be for your skin. As such, consider choosing fragrance-free skin products and laundry detergents. • Use a humidifier. Humidifiers can add moisture to the air within your home, helping to prevent and relieve environmental dryness. • Stay hydrated. Ensure you’re drinking enough water throughout the day to improve the appearance of your skin and reduce its susceptibility to dryness. Talk to your health care provider if you have specific skin health concerns. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.
January 14, 2026
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. 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
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