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

LATEST MEDIA

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.
August 11, 2026
Learn more about EBSA releasing its regulatory agenda and the DOL clarifying that employer contributions to Trump Accounts generally do not create ERISA plans. EBSA RELEASES REGULATORY AGNEDA FOR THE YEAR AHEAD On July 3, 2026, the Trump administration released its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant regulatory priorities and planned activities for the year ahead. Federal agencies with new regulations under development or review are included in the Agenda, including the U.S. Department of Labor's (DOL) Employee Benefits Security Administration (EBSA). EBSA’s regulatory plan mainly focuses on retirement plan compliance, including fiduciary responsibilities for selecting investments. However, EBSA’s plan also includes priorities impacting welfare benefit plans, including the following items to watch for: • A proposed rule regarding default electronic disclosures, focusing on making it easier and less costly for employers and other plan fiduciaries to produce and distribute group health plan disclosures (update: EBSA issued this proposed rule on July 23, 2026); • A proposed rule under the Mental Health Parity and Addiction Equity Act to clarify parity obligations for health plans and health insurance issuers and reduce their compliance burden; • A proposed rule to provide additional guidance and flexibility for individual coverage health reimbursement arrangements (or ICHRAs); and • A final rule requiring pharmacy benefit managers to provide compensation disclosures to fiduciaries of self-insured group health plans. In addition, EBSA is expected to finalize a proposed rule to create a new category of limited excepted benefits that employers can use to offer fertility benefits. While the Agenda outlines future regulatory plans, it does not impact employers’ current compliance obligations. Until formally changed through final rulemaking or other regulatory action, all existing rules and compliance requirements remain in place. DOL CLARIFIES THAT EMPLOYER CONTRIBUTIONS TO TRUMP ACCOUNTS GENERALLY DO NOT CREATE ERISA PLANS On June 17, 2026, the DOL issued guidance (Technical Release 2026-02) on whether Trump Accounts may be employee pension benefit plans subject to the Employee Retirement Income Security Act (ERISA), including when employers make contributions through an Internal Revenue Code Section 128(c) Trump Account Contribution Program. Trump Accounts are a new type of savings vehicle for children. The accounts are treated similarly to traditional individual retirement accounts (IRAs) for tax purposes, with special rules applying during a “growth period” that ends on Dec. 31 of the year before the calendar year in which the child reaches age 18. Employers can contribute to Trump Accounts pursuant to a Trump Account Contribution Program. Contributions are limited to $2,500 per employee per year, subject to costof-living adjustments after 2027. Technical Release 2026-02 provides that Trump Accounts and Trump Account Contribution Programs generally will NOT constitute employee pension benefit plans subject to ERISA. According to this guidance: • Employer contributions to Trump Accounts will not generally result in ERISA coverage for a Trump Account or the contribution arrangement where they occur only during the growth period; and • Employer involvement with a Trump Account in periods beyond an account beneficiary’s growth period should be limited in accordance with the payroll safe harbor conditions for IRAs in 29 CFR 2510.3-2(d) to avoid ERISA status. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.
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