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Learn more about exploring the great outdoors, when the best time to eat protein and your summer medicine cabinet checklist. EXPLORE THE GREAT OUTDOORS Spending even a few moments outside daily can significantly improve your physical health by reducing muscle tension, regulating sleep and improving your work performance. Experiencing the outdoors—specifically, green spaces—can also provide some mental health benefits, including reduced anxiety and depression symptoms, decreased stress levels and improved overall mood. The Environmental Protection Agency reports that the average American spends only 7% of their life outdoors, leaving 93% spent indoors. It may seem difficult to incorporate fresh air into your daily routine, so here are a few tips to spend more time in the great outdoors this summer: • Find time throughout the day to be outside. Try walking or doing a similar activity before or after your workday. Alternatively, enjoy lunch outside instead of eating at your desk during the workweek. If working remotely, you could join virtual meetings outside in a quiet place with little background noise or try “walking meetings” with teammates. Focus on finding small ways to incorporate fresh air each day. • Move your workout outside. If you usually run on the treadmill, consider jogging around your neighborhood instead. Additionally, doing bodyweight or free-weight exercises in your backyard or at a park can give you the same workout you get in the gym while letting you spend more time outside. • Focus on the quality—not quantity—of your time outdoors. While outside, try to really listen to and look at what’s around you. Are there birds chirping? What color are the flowers? An intentional presence outdoors can help you feel more connected to nature and increase the benefits you receive from the fresh air. • Find someone to explore with. It can be much easier to start a new habit when you have someone to do it with. As such, consider getting together with a partner or a group of friends to participate in outdoor activities. • Bring nature indoors. Even when you can’t get outside for very long, you can still bring in little pieces of the outdoors. Consider purchasing a few houseplants to place around your home or starting an indoor herb garden. Spending time outdoors can improve your physical and mental health, so take advantage of the longer summer days and get outside. WHEN'S THE BEST TIME TO EAT PROTEIN? Protein is important for overall health. Health experts note that there isn’t one perfect time of day to eat protein. What matters most is how evenly you include it throughout the day. Instead of saving most of your protein for dinner, spreading it across meals and snacks allows your body to use it more efficiently for energy, fullness and muscle repair. The 2025-2030 Dietary Guidelines for Americans prioritize protein at every meal, aiming for 1.2 to 1.6 grams per kilogram of body weight daily. Eating protein at different times of the day has certain advantages. For example, protein in the morning after an overnight fast supports steady energy, sharper focus and improved appetite control, which may reduce overeating later in the day. Adding protein to snacks also plays a key role, helping stabilize blood sugar and prevent afternoon energy crashes. Similarly, protein is useful after workouts, as it helps muscles recover and grow stronger. Dinner protein remains important, but loading most of the day's intake into a single meal isn't ideal, since the body can only use so much at once. Most people don't need excessive protein supplements, as regular meals often provide enough. In the end, a practical approach is to include protein at every meal, aim for moderate portions, and balance it with carbohydrates and healthy fats. Consistency delivers the biggest benefits. SUMMER MEDICINE CABINET CHECKLIST Summer brings more time outdoors, and with it, a higher chance of sunburns, bug bites, minor injuries, allergies, and heat-related issues. Medications can also lose effectiveness or even become unsafe after expiration, and heat and humidity can further degrade products that are already past their prime. When summer ailments or accidents strike, you want relief that works quickly and safely. The average American opens their medicine cabinet 468 times each year. However, nearly 3 in 4 people admit they often forget to replace their expired products. A cabinet check today ensures you're prepared for common summer needs without last-minute store runs. Consider these 10 summer essentials: Pain reliever and fever reducer Antihistamines, nasal spray and eye drops Hydrocortisone cream for rashes and bug bites Broad-spectrum sunscreen Aloe vera or after-sun gel Insect repellent Oral rehydration packets or electrolyte drinks Bandages and basic first-aid supplies Antibiotic ointment for minor cuts Instant cold packs Refreshing your medicine cabinet is a small task that can make a big difference, allowing more time for fun in the sun. Make a habit to check expiration dates every six months so you're always prepared. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about federal agencies proposing rules on offering fertility benefits and IRS releases pay-or-play penalties for 2027. FEDERAL AGENCIES PROPOSE RULES ON OFFERING FERTILITY BENEFITS On May 13, 2026, the U.S. Departments of Labor, Health and Human Services, and the Treasury (the Departments) issued a proposed rule that would create a new category of limited excepted benefits that employers can use to offer fertility benefits. The proposed rule builds on Executive Order 14216 and the Departments’ October 2025 guidance, which clarified that employers may offer fertility benefits through three existing excepted benefit pathways: a fully insured independent, noncoordinated excepted benefit policy; an excepted benefit HRA; and an employee assistance program offering coaching and navigator services. The proposed rule would establish a new category of limited excepted benefits for fertility benefits . The new category would apply restrictions like those already in place for other limited excepted benefits, with the following main requirements: • Substantially all benefits must be for the diagnosis, mitigation or treatment of infertility or related reproductive health conditions; • Benefits are capped at a combined lifetime maximum of $120,000 for the participant and their beneficiaries, indexed for inflation for plan years beginning after 2027; • The benefits must be provided under a separate policy or otherwise not be an integral part of the plan maintained by the same plan sponsor; and • The plan or insurance issuer must provide a written notice to participants and beneficiaries that clearly describes the coverage, including its benefits and limitations, how to access in‑network providers and how to submit claims. This notice must be provided at the first opportunity to enroll, annually thereafter, and upon request. If finalized, the proposed changes would apply for plan years beginning on or after Jan. 1, 2027 . However, the Departments have asked for feedback on whether the proposed changes should be applicable sooner to allow plan sponsors and issuers flexibility to offer this benefit immediately after the changes are finalized. IRS RELEASES PAY-OR-PLAY PENALTIES FOR 2027 On May 4, 2026, the IRS released updated penalty amounts for 2027 related to the employer shared responsibility (“pay-or-play”) rules under the Affordable Care Act (ACA). The ACA requires applicable large employers (ALEs) to offer affordable, minimum-value (MV) health coverage to their full-time employees (FTEs) or potentially pay a penalty to the IRS. 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: 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 2027, the penalty increases to $ 3,780 (up from $3,340 for 2026); and 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 2027, the penalty increases to $ 5,670 (up from $5,010 for 2026). However, the total penalty for an ALE is limited to the 4980H(a) penalty amount. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.
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