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

July 27, 2026
Learn more about UV index and sun safety, outdoor exercise tips, and how to fibermaxx safely. 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 to understand and use the UV index, a daily forecast that measures the intensity of the sun’s UV radiation. Whether your job requires you to spend time outside, or you’re heading out for a walk, playing sports or simply running errands, knowing the UV index can help you time your exposure and take steps to protect yourself from sun damage. The UV index is reported on a scale from 0 to 11+, with each range corresponding to the average person's risk level. The higher the UV index 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. Even on cloudy days, up to 80% of UV rays can penetrate cloud cover, so protection is important no matter the weather. The UV index is a helpful tool that can guide your daily decisions and keep you protected from harmful UV radiation. Here's how to use it proactively: • Check the index in the morning . Many weather apps and websites display the UV index alongside the daily forecast. • 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. • 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. When rescheduling is not feasible, take extra precautions to protect yourself from exposure. • Watch for environmental amplifiers . Sand, water and even pavement can reflect UV rays, increasing your exposure. The UV index is a simple, reliable tool that helps you know when to take extra precautions. By making it part of your daily routine, you can reduce your risk of sunburn, premature aging and skin cancer while still enjoying time outdoors. Practicing daily sun safety, guided by the UV index, helps protect your skin for the long term. OUTDOOR EXERCISE TIPS Working out in green spaces may not only make your workout more enjoyable but also help you relax and feel more socially connected. Recreational sports (e.g., basketball, golf and tennis) are great options during the summer. In addition, consider activities such as cycling, hiking, roller skating, swimming, trail running and walking. Alternatively, you could move your yoga, strength training or cardio sessions outdoors. Before heading outdoors, set yourself up for a successful and safe workout: • Check the weather forecast to avoid extreme heat and severe weather. • Avoid exercising during the hottest part of the day, between 10 a.m. and 4 p.m. • Wear lightweight, loose-fitting clothes to keep you cool and reflective clothing to stay visible around dawn and dusk. • Bring a water bottle and take regular sips— whether you’re thirsty or not. • Apply a broad-spectrum sunscreen with SPF 30 or higher and reapply every two hours. • Do warm-up exercises (e.g., light jogging, stretches or jumping jacks) to get your blood flowing and reduce your risk of injury. • Avoid blasting music or podcasts on your earphones so you hear oncoming cars, people and other potential hazards. • Pay attention to how you’re feeling and stop if you start to feel dizzy or nauseous. Always speak with your doctor before starting a new exercise regimen. HOW TO FIBERMAXX SAFELY With a growing awareness of gut health, a new trend called “fibermaxxing” encourages people to intentionally increase their daily fiber intake, often to meet or exceed the recommended intake. The goal? Better digestion, improved heart health, lower cholesterol and reduced cancer risk. The National Academy of Medicine recommends that men 50 and under get 38 grams (g) of fiber daily and women 50 and under get 25 g. Those figures decrease for adults over the age of 50, with 30 g for men and 21 g for women. While fibermaxxing may sound like just another fleeting wellness trend, experts say this one has real merit. More than 9 in 10 Americans don’t get enough fiber. That’s problematic, as low fiber intake has been linked to rising colon cancer rates among younger adults. While fibermaxxing can be beneficial, going too hard too fast can backfire. Sudden increases in fiber intake may cause bloating, gas or discomfort. Here are tips to incorporate fiber: • Start slow. Begin with 5 g per day and increase by 5 g weekly until your goal. • Drink plenty of water . Fiber needs water to move through your system. • Eat whole foods , including beans, fruits, vegetables, whole grains, nuts and seeds. Some fiber-rich foods include chia seeds, raspberries, black beans, oats, popcorn, quinoa, barley, carrots, apples and peas. • Avoid relying on supplements. Whole foods offer more nutrients and are easier to digest. • Listen to your body . If symptoms persist, adjust your intake or consult a dietitian. Most of us need more fiber, and doing it right can lead to lasting health benefits. Talk to a healthcare professional about diet changes or 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.
July 23, 2026
Learn more about the IRS announcing HSA/HDHP limits for 2027 and the DOL civil penalty amounts unchanged for 2026. IRS ANNOUNCES HSA/HDHP LIMITS FOR 2027 On May 29, 2026, the IRS released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2027. 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 $4,500 to their HSAs in 2027, up from $4,400 in 2026. Eligible individuals with family HDHP coverage will be able to contribute $9,000 to their HSAs in 2027, up from $8,750 in 2026. 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 $1,750 for self-only coverage and $3,500 for family coverage for 2027 (up from $1,700 for self-only coverage and $3,400 for family coverage for 2026). The HDHP maximum out-of-pocket expense limit increases to $8,700 for self-only coverage and $17,400 for family coverage for 2027 (up from $8,500 for self-only coverage and $17,000 for family coverage for 2026). 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 2027. Also, employers that allow employees to make pre-tax HSA contributions should update their plan communications with the increased contribution limits. DOL CIVIL PENALTY AMOUNTS UNCHANGED FOR 2026 The U.S. Department of Labor (DOL) has confirmed that it will make no adjustments to civil monetary penalties for 2026 and will continue to use the 2025 penalties as applicable. This applies to penalties that may be assessed on employers for violations of a wide range of federal laws, including the Employee Retirement Income Security Act (ERISA) and the Family and Medical Leave Act (FMLA). Federal law requires agencies to adjust their civil money penalties for inflation no later than Jan. 15 each year to maintain their effectiveness and deterrent effect. Last year, the DOL’s final rule on 2025 inflation-adjusted amounts was published on Jan. 10, 2025. The annual adjustment is based on Bureau of Labor Statistics (BLS) data from October of the prior year. However, due to the government shutdown, the BLS was unable to produce October 2025 data. As a result of this lack of data, and because the law does not provide an alternate method for calculating the adjustments, the 2026 adjustment is canceled entirely. Employers should continue to prioritize compliance with all applicable federal requirements, as the 2025 penalty amounts remain fully in effect for 2026. For example, the following key penalty amounts remain in effect:  • Failure to provide a summary of benefits and coverage (SBC) for a health plan may result in a penalty of up to $1,443 per participant or beneficiary. • Failure to file an annual Form 5500 with the DOL can result in a penalty of up to $2,739 per day. • Employers that willfully violate the FMLA posting requirement may face a penalty of up to $216 for each separate offense. • Failure to provide the annual notice regarding Children’s Health Insurance Program (CHIP) coverage opportunities may result in a penalty of up to $145 per day (each employee is a separate violation). Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.
Show More

Happy Customer Reviews


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