PROVIDING TAILORED BENEFIT SOLUTIONS SINCE 1986

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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.
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   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.

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

LATEST MEDIA

September 16, 2026
Learn more about the IRS releases pay-or-play affordability percentage for 2027 and the DOL proposes to expand electronic delivery options for group health plans. IRS RELEASES PAY-OR-PLAY AFFORDABILITY PERCENTAGE FOR 2027 On July 21, 2026, the IRS released Revenue Procedure 2026-26 to index the contribution percentage in 2027 for determining the affordability of an employer’s health plan under the Affordable Care Act (ACA). For plan years beginning in 2027, employer-sponsored coverage will be considered affordable under the ACA’s “pay-or-play” rules if the employee’s required contribution for selfonly coverage does not exceed 10.22% of their household income for the year. This is an increase from the affordability contribution percentage for 2026 (9.96%) and the highest it has ever been. Applicable large employers (ALEs) will need to consider this affordability percentage in developing their health plan contribution strategies for the 2027 plan year. ALEs may be able to increase employees’ health coverage contributions for 2027 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. 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 PROPOSES TO EXPAND ELECTRONIC DELIVERY OPTIONS FOR GROUP HEALTH PLANS On July 23, 2026, the U.S. Department of Labor (DOL) issued a proposed rule that would establish a new, additional safe harbor for group health plan administrators to use electronic media to furnish plan disclosures required under the Employee Retirement Income Security Act (ERISA). The proposal aims to modernize the delivery of group health plan disclosures to reduce administrative burdens and improve participants’ ability to access and understand plan information. To rely on the safe harbor, plan administrators would be required to: • Provide an initial notification to each covered individual, identifying the electronic address to be used, explaining how to access covered documents, and describing their right to opt out of electronic delivery and request free paper copies; • Furnish a notice of internet availability for each covered document informing covered individuals of their paper copy and opt-out rights; • Establish and maintain a website where covered individuals can access covered documents, taking measures reasonably calculated to ensure the site meets specified standards for timing, presentation and confidentiality; and • Provide a free paper copy of any covered document promptly upon request. The proposed safe harbor does not permit email delivery because many ERISA group health plan disclosures contain sensitive information, including protected health information. Until the rule is finalized, plan administrators should continue to comply with existing disclosure requirements. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.
August 26, 2026
Learn more about the 5 ways to sleep better in the summer, well-being tips for summer festivals and fairs, and if you are up to date on your vaccines. 5 WAYS TO SLEEP BETTER IN THE SUMMER A good night’s sleep is crucial for overall health and well-being, but as the days grow longer and temperatures rise, many people find falling and staying asleep increasingly difficult. The increase in daylight hours delays your body’s production of melatonin, which promotes sleep. This impacts your circadian rhythm, the body’s internal clock that regulates your sleep-wake cycle. The longer summer days tell your body to stay awake longer and may make it more difficult for you to fall asleep. Hot weather can also influence sleep patterns by raising your body temperature. This moves your body into a heightened state of awareness, preventing you from falling asleep or waking you up. In addition, people may have busy social calendars, further interfering with their regular sleep schedules. All these disruptions can make it challenging to get restful sleep during the summer. The American Academy of Sleep Medicine found that 1 in 3 people say they sleep less in the summer. Summer sleep disturbances can be frustrating, but try these five tips to improve your sleep quality: 1. Keep a consistent schedule. Late nights can happen in the summer, but try to stick to a regular and consistent sleep schedule to regulate your circadian rhythm. 2. Create a cool sleep environment . Keep your bedroom cool with fans and air conditioning, or prop doors and windows open. The best temperature for sleep is 65 degrees Fahrenheit. 3. Use lightweight fabrics . Opt for lightweight and moisture-wicking pajamas and bedding. Materials like cotton, linen, bamboo and silk can help you stay comfortable. 4. Try a sleep mask. Longer daylight hours can disrupt your sleep cycle, so wearing a sleep mask can help darken the room. Experts advise against blackout curtains; allowing some light alerts your body that the day is coming. 5. 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. Understanding how summer’s long days, high temperatures and lifestyle changes can affect your sleep can allow you to take action to improve your slumber. If you have questions or concerns about your sleep quality, contact your doctor. WELL-BEING TIPS FOR SUMMER FESTIVALS AND FAIRS With sunny days, seasonal breaks and time off, summer is a popular time for public outdoor events. Festivals and fairs carry several health and safety risks (e.g., heat-related illness, sun exposure and dehydration), as well as crowd safety hazards and foodborne illness from vendors. Consider these tips to stay healthy and safe at festivals and fairs: • Plan ahead. Check the weather to know how to dress, and familiarize yourself with the venue layout so you can quickly find exits, first-aid stations and water refill points. Stick with your group and set a meet-up plan in case you get separated. • Check event policies . Review the venue’s website for rules on bags, water bottles, sunscreen containers and umbrellas. • Stay cool and hydrate . Wear light, breathable clothing, drink water throughout the day and take shade breaks to cool down. • Use sun protection. Apply a broad-spectrum sunscreen and reapply every two hours. Consider wearing a hat or sunglasses for extra protection. • Protect your hearing. Use earplugs or noisecanceling headphones in loud areas to reduce hearing damage. • Prioritize your personal safety. Use antitheft bags, keep valuables close and stay aware of your surroundings to navigate crowds and avoid hazards. • Eat and drink responsibly. Choose vendors with clean setups and proper food safety equipment, or eat beforehand or pack your own food if allowed. If drinking alcohol or caffeine, balance it with water to avoid worsening dehydration or heat illness. Prioritizing your health and safety at festivals and fairs can help you minimize risks and maximize fun. ARE YOU UP TO DATE ON YOUR VACCINES? Every August, National Immunization Awareness Month promotes the importance of immunizations at all life stages. Vaccination protects against severe illnesses and complications of vaccine-preventable diseases, including measles, polio, hepatitis, meningococcal meningitis and COVID-19. Vaccinations are so vital that the U.S. Centers for Disease Control and Prevention offers immunization schedules to help you understand if you or others are up to date on shots: • Infants and children (birth to age 6) • Preteens and teens (ages 7-18) • Adults (ages 19 and older) • Pregnant people (before, during and after pregnancy) Getting vaccines at the recommended time is the best way to protect against serious diseases. If you’re behind on routine vaccinations, consider getting vaccinated as soon as possible. Your doctor can offer personalized guidance and provide more information about vaccines. Flu season is right around the corner, so pharmacies and clinics may soon begin getting this year’s shots in. 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.
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