Author: MDG Benefits Admin
Fertility Benefits: A Growing Investment in Employee Well-Being and Retention
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Work and family are two of the most important parts of an employee’s life. But starting or growing a family doesn’t always happen easily. According to the World Health Organization, about one in six people experience fertility challenges, making the path to parenthood stressful, complex and often expensive. Not surprisingly, these challenges can spill over…
From Reactive to Proactive: Empowering Employees Through Preventive Care
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In the world of employee benefits, we often spend our time talking about what happens when things go wrong—surgeries, emergency room visits, and specialist consultations. Today, the most successful organizations are shifting the conversation toward what happens when things go right. Teaching your employees about preventive care is more than just a wellness initiative; it…
Wellness Works: Spring 2026
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Spring into Motion: Strengthening Your Heart A new study published in BMJ Heart, a leading journal for cardiovascular advances, has found a powerful connection between your walking speed and your heart rhythm. According to the research, people who maintain an average or brisk walking pace have a 35% to 43% lower risk of developing heart…
“Too Small for HR”? Here’s Why That’s a Risky Myth
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“HR is for big companies. We’re only 12 people.” It’s a common refrain and an expensive one. Compliance obligations don’t wait until you hit 50, 100, or 500 employees. Many apply from employee #1, and others kick in far earlier than most small businesses expect. The result? Well-meaning teams make ad-hoc decisions, managers wing it,…
The Power of Health Literacy: How Smarter Choices Can Lead to Bigger Savings
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Navigating the healthcare system is rarely a straight line. Between deciphering insurance jargon and choosing the right doctor, the decisions you make have a direct impact on your physical health and your bank account. As healthcare costs continue to rise—ranking as a top economic concern for two-thirds of Americans—personal health literacy has become an essential…
When the Calendar Shifts: Preparing for an Extra Payroll Cycle in 2026
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Most employers follow standard payroll schedules—monthly, weekly, semi-monthly, or biweekly—with biweekly cycles being the most common. Nearly half of organizations pay employees every other week. In 2026, however, employers using a biweekly schedule may encounter an unusual twist. Because New Year’s Day in 2027 falls on a federal holiday, companies that typically issue Friday paychecks…
The Great Stability: Why Employees are “Job Hugging” in 2026
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As we move through 2026, the workforce is sending a clear message: Stability is the new priority. New research from the Adecco Group shows that employees are putting a premium on job security, fair pay, and long-term stability—much more than chasing the next opportunity. Many have embraced “job hugging”, choosing to stay where they are rather than jump…
Filing Form 5500
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If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit plans (including medical, dental, life, and disability coverage), retirement plans, fully insured plans, and self-funded…
ACA Update: IRS Announces 2027 Cost-Sharing Limit
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On January 29, 2026, the U.S. Department of Health and Human Services (HHS) officially released the maximum cost-sharing limits for the 2027 plan year. These figures represent a significant 13.2% increase over the 2026 limits, marking a substantial shift in potential out-of-pocket expenses for plan participants. 2027 Maximum Out-of-Pocket Limits For 2027, the maximum annual…
Navigating Health Plan Options: A Quick Guide
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Choosing a health insurance plan can feel a lot like solving a puzzle—there are many moving pieces, and the best fit depends on how they come together for your unique situation. With so many options and acronyms—HMO, PPO, POS, EPO, HDHP—it’s easy to feel unsure about where to start. This guide breaks down the most…