Each month we will bring you health articles from our partnerships, share free resources, share monthly awareness dates, and include information about available benefits we have curated with YOU in mind. #AllBecauseofYou
Life Well Lived Monthly Wellness Newsletter Bringing health and wellness resources directly to you
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DECEMBER Tis the Season for Holiday Savings!
Montage International partners with BenefitHub to bring you everyday savings all year round. Take advantage of these discounts for all of your holiday shopping needs! Registration Code: XDJEGF BenefitHub’s newest features include: Friends and Family Invites - Spread some cheer by giving your loved ones access Discounted e-giftcards - Stack these on top of everyday promos for extra savings Book a Cruise Feature - Now available in the Travel section New Browser Extension - Coming Soon
SHOP MONTAGE & PENDRY It’s our annual associate appreciation holiday sale! For a limited time, use code MIfestive2025 to shop our SHOP MONTAGE and SHOP PENDRY websites. Find gift ideas for the family or yourself, while supplies last.
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AC Access Active & Fit Direct and Wellness Coaching through your BenefitHub account today!
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The wonders of walking for wellness
Walking does more than help us get from one place to another. It also helps keep us healthy, both physically and mentally. Two of the best benefits of walking for fitness are that you don’t need to be athletic, and it’s free. All you need are comfortable clothes and sneakers.
10 reasons why you should walk more. Walking can: 1. Boost your energy 2. Burn calories 3. Fill your body with feel-good hormones 4. Improve sleep
Staying motivated The beauty of walking is that there are so many ways and places you can do it. You can follow the same routine every day or mix it up. To keep boredom at bay: Chat on the phone. Listen to a podcast or Look for trees, flowers, or animals along the way. Meet up with a friend. Savor the silence. Snap photos and post what you see on social media.
5. Keep your heart strong 6. Lower the risk of disease 7. Melt away stress
8. Strengthen muscles and bones 9. Support the immune system 10. Tone your legs.
Try going in the opposite direction. Vary your pace, from medium to brisk
Getting started When you’re first starting out, it helps both physically and mentally to break your walks into smaller ones. Shorter walks are also a good way to fit exercise into a busy schedule. Aim for 150 minutes of exercise a week. Start with 10–15 minutes once or twice a day, then slowly increase your time and distance.
At work, you can:
Have walking meetings. Use the restroom or break room furthest from your work station. Schedule a walking workout with a friend. Walk over to your co-worker to ask a question.
Alcohol misuse: Know the signs and get support
Have you ever wondered if you might have a problem with alcohol? The signs aren’t always easy to spot. Alcohol misuse can significantly impact your health and even turn into addiction, which is why it’s important to start taking control as soon as possible.
Alcohol basics
What to do next
If you recognized any of those signs as things you experience, take action. • Talk to your doctor and be open and honest about your alcohol use so they can provide the care you need. • Consider finding local or online groups you can join for support.
• The CDC recommends no more than two alcoholic drinks a day for men, and no more than one for women. • One drink is defined as: 1 beer, 8 oz. of malt beverage, or 5 oz. of wine or liquor
Alcohol’s impact on your health
• Drinking alcohol can cause you to have accidents or injuries, and long-term it can also raise your risk of cancer, liver disease, heart disease, and other serious conditions. • Whether your alcohol use falls within the CDC’s recommended guidelines or not, remember that less is always better. Drinking less or not drinking at all lowers your health risks.
Know the signs of misuse
These are just a few signs that you may have an issue with alcohol: • You can’t stop drinking, even when you want to stop • You hide your alcohol use from others • You need to increase the amount of alcohol you drink to get your usual “buzz” • You are having problems that start with using alcohol, like getting into accidents or arguments • You neglect other things in your life, like work or family, because you prioritize drinking
You deserve to be your healthiest self. Realizing that alcohol is affecting your life and seeking help and support is not a sign of weakness—it’s a sign of strength.
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We’re not an insurance company. Health Advocate is not a direct healthcare provider, and is not affiliated with any insurance company or third party provider. ©2025 Health Advocate HA-M-2405010-3.6FLY Call • Email • Message • Live Chat
NOVEMBER Diabetes Awareness Month
Chances are, you know someone who has diabetes. It might even be you. Diabetes is one of the most common disorders in the U.S. It affects about 1 in 9 Americans. Diabetes raises your risk for serious health problems. It can damage the eyes, kidneys, nerves, and heart, and it is linked to some types of cancer.
Diabetes is a disease that occurs when your blood glucose, also called blood sugar, is too high. Glucose is your body’s main source of energy. Normally, a hormone made by the pancreas called insulin helps glucose get into your cells to be used for energy. If you have diabetes, your body doesn’t make enough insulin or use insulin properly. Glucose then stays in your blood and doesn’t reach your cells. Anyone can get type 2 diabetes, even children. Here are some ways to prevent diabetes if you have a family history ⟶
Don’t miss this opportunity to enroll or change your benefits. From November 5 - 19 the Alight site opens to allow you to make benefit elections for the 2026 plan year. New site features include: Find a Doctor Tool, Plan Comparison Tool, and Benefit Suggestions! th Open Enrollment Is HERE!
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2026 Benefits Open Enrollment Begins on November 5 NOVEMBER 5 – NOVEMBER 19, 2025 All benefits eligible associates must login to the new benefits platform during this open enrollment period to create an account and verify information and benefit elections for accuracy. If you would like to have a Health Spending Account or Flexible Spending Account in 2026, you must re-elect these benefits each year during the open enrollment period.
Three resources to help you enroll for benefits: 1 Alight Worklife is available from any computer or mobile device. Within the new platform you can make selections on your own or check out the newest features like the interactive Virtual Assistant, Online Chat, Medical Expense Estimator, Find a Doctor, and Compare Plans tools to help you complete your enrollment with confidence. By Mobile App* You can access Alight Worklife on the go by downloading the Alight Mobile app from the App Store or Google Play . By Browser MyApps Access — Available for associates with a work email only • Navigate to My Apps: myapplications.microsoft.com/ . Direct Login SELF-ENROLL ON ALIGHT WORKLIFE
OPEN ENROLLMENT HAS A NEW LOOK! Important announcements Starting November 5, ourbenefitsenrollment site—Alight Worklife—will feature a new look and feel. This upgrade brings an intuitive interface, streamlined navigation, and improved tools to help you estimate expenses and make confident benefit choices for 2026.
MEDICAL PLAN CHANGES
HEALTH SAVINGS ACCOUNT (HSA) CHANGE FOR HDHP PLAN MEMBERS Your existing medical planmay be changing in 2026. Be sure to review updated costs, deductibles, copays, out- of-pocket maximums, prescription drug, and provider networks in your 2026 Benefit Guide. Open Enrollment is your only opportunity to make changes to your benefit elections. Montage International is no longerofferingadollar-for- dollar Health Savings Account (HSA) contribution for High Deductible Health Plans (HDHP). Instead, associates enrolled in the HDHP who elect to contribute to an HSA will receive their annual employer contribution at the start of the plan year as a large lump sum contribution to aid in paying for medical expenses at the beginning of the plan year. To receive your HSA contribution in 2026, you must be enrolled in an HDHP plan for 2026 and accept the HSA terms and conditions. View details in your 2026 Benefit Guide.
• If you do not have a work email, you’ll create a new username and password directly on the Alight Worklife website: worklife.alight.com/ montageinternational .
• Once information you enter is verified, the site will guide you through setting up your login and security questions 2 PROFESSIONAL BENEFITS COUNSELOR
For general questions call the Benefit Resource Center at 1-866-563-1293 (Monday - Friday, 8 a.m. - 8 p.m. EST) . Need to know more about coverage options, benefit plan details, or how to enroll for benefits? Schedule a one-on-one session with a licensed Benefits Counselor for expert guidance tailored to your needs. Make an mi.myannualenrollment.com . appointment today at MONTAGE BENEFIT RESOURCE CENTER
To qualify, complete your annual physical and submit your Physician Verification Form to Incentfit by December 31 . Please note: no exceptions will be made for late submissions. For more details, contact your local People Department. DON’T MISS THE DEADLINE TO EARN 30% SAVINGS ON YOUR MEDICAL COSTS.
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Scan here for the Benefit Guide
*Downloading this app to your device is optional. Message and data rates may apply. This app is intended for informational and educational purposes only and should not be a substitute for medical or benefit advice. Montage International does not accept responsibility for any issues that may occur with your device or data rates that may apply. Please contact your People Department with any questions.
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Benefits with YOU in mind • National health plans, including medical, dental, and vision coverage • Paid time off, holidays, personal leave, and military leave • Health Advocate Services (insurance claims help, and help finding care for your needs) Associate Discounts on our hotels, food, spa, and retail • • Mental Health Services with Telus Health EAP and Rula • Wellness Newsletter • Wellness Initiative discount on medical plan
Managing your finances
• DailyPay on-demandpay program • Bank of America Banking & Investing program Disability, life, critical illness, and accident insurance •
Flexible Spending Accounts (Health Care, Dependent Care, Parking and Transit FSAs) Health Savings Account
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• • Tuition Reimbursement Program • Traditional and Roth 401(k) plan with company match Associate Discount Center through BenefitHub • • Wealth Education Resources through Fidelity, Bank of America, and HSA Bank
Creating a home
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Group legal plan Personal banking and investing (includes mortage and home equity discounts) Associate Discount Center through BenefitHub Pet insurance
Starting a family
National health plans, including medical, dental, and vision coverage Carrot Family Forming Assistance Reimbursement Program (Fertility, Adoption, Surrogacy, egg and/or sperm freezing, low testosterone support) 9 Week Parental Leave Pay Differential* Flexible Spending Accounts (including Dependent Care FSA) Lactation support through our national health plans Life, critical illness, hospital, and accident insurance Mental Health Services with Telus Health MetLife EAP and Rula School Locator Tool with Telus Health MetLife EAP
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• • • Goal Setting Calculator with Fidelity • Life Event Toolkits from Telus Health EAP
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Pursuing your passions
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Planning for the unexpected • DailyPay on-demand pay program • Disability, life, critical illness, hospital indemnity, and accident insurance • Long-term care insurance • TuitionReimbursement • Wellness Newsletter • Team wellbeing events • Hearts of Montage/Hearts of Pendry community engagement • Flexible and virtual work arrangements* • Active&Fit Direct Gym Membership • Wellness Coaching with Active&Fit Direct • LinkedIn Learning membership* • • • Identity theft resources on Telus Health EAP 401(k) Loan option Group legal plan • Company Paid Business Travel Accident Insurance • International SOS coverage for international travel* • Mental Health Services with Telus Health EAP and Rula • Wealth Education Resources through Fidelity, Bank of America, HSA Bank, and DailyPay Toolkits for various Challenging Life Events with Telus Health EAP •
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Preparing for retirement
• Wealth EducationResources through Fidelity, Bank of America, and HSA Bank • Traditional and Roth 401(k) with company match Elder Care Locator through Telus Health EAP • • Long-term care insurance • Life, critical Illness, hospital and accident insurance • Health Savings Account • Retiree health insurance and COBRA • Group legal plan with Elder Care • Integrated Mental Health Services through Telus Health EAP • Deferred Compensation Non-Qualified Plan*
Scan here for the Benefit Guide
*Eligibility is subject to exempt status or specific management level—contact your local People Department to determine if you meet eligibility requirements.
ENGLISH SPANISH
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2025
LIVE WELL. AGE WELL. SEE WELL. Consider Vision Insurance For Your Family
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OCTOBER Benefits Open Enrollment Coming Soon! NOVEMBER 5-19 BECAUSE WE HAVE A NEW ENROLLMENT SITE, EVERYONE MUST GO IN DURING THIS WINDOW TO CREATE A NEW ACCOUNT BY SELECTING NEW USER AND VERIFY INFORMATION & BENEFIT ELECTIONS FOR ACCURACY, EVEN IF YOU DON’T PLAN TO CHANGE ANYTHING! NEW LOOK AND FEEL The new Alight Worklife platform contains new features to help create a seamless benefit enrollment experience: New Alight Mobile App Medical Plan Comparison Tool - see a side-by-side view of our medical plans Medical Expense Estimator Tool - answer a few questions about how often you visit doctors and get an estimate of your future cost by plan selection Find a Doctor Tool - search for your providers within the enrollment to see if they would be in-network for our plans Virtual Assistant and Online Chat To-Dos and Recommendation Tiles - suggestions available on the homepage Programs Page - see all of our additional offerings you can opt into year- round like our 401(k) plan, BenefitHub, DailyPay, Pet Insurance and MORE Benefit Counselor Appointments - will still be available if you need it
Wear Pink October 17 th
Breast Cancer Awareness Month is an international health campaign that’s held every October. The month aims to promote screening and prevention of the disease, which affects 2.3 million women worldwide.
Click Here to learn about the breast cancer risk factors.
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Understanding Health Insurance Terminology
Your monthly premium is the combination of what the company pays and what you pay for your benefit plans each month. Your portion of the benefit premium is deducted from each paycheck. The per pay period rate is what you will see be deducted from each paycheck. WHAT IS A MONTHLY PREMIUM?
You can now use the new Plan Comparison Tool in Alight to see a side-by-side of the plans we offer. This will give you a clearer picture of what the deductibles, coinsurance, and out-of-pocket maximums are for each plan to make an informed decision. When selecting our High Deductible Health Plan, you have access to enroll into a Health Savings Account. This is like a debit card that can be used for health expenses like copays and out-of-pocket expenses until you meet your annual deductible. You elect a pre-tax payroll deduction amount and you also receive an annual employer match, if eligible. Unused funds can also be invested with this account to grow tax-free. HEALTH SAVINGS ACCOUNT Why an HSA? HOW TO COMPARE PLANS New Tools To Help Each visit your doctor or specialist will require you to pay a small co-pay at the time of the visit. This can range from $10-$50 each visit. WHAT IS A CO-PAY?
WHAT IS A DEDUCTIBLE?
A deductible is the minimum threshold you must reach before the insurance company will start paying for their portion/percentage of co- insurance for your health expenses. You will pay 100% of health expenses out of pocket at the beginning of the year until you meet the deductible amount for the plan.
WHAT IS COINSURANCE?
WHAT IS AN OUT-OF-POCKET MAXIMUM? Co-insurance kicks in after you have met your annual deductible where the insurance plan will begin to cover a percentage of your bills - for example you pay 20% and they pay would pay 80%. Once you hit your out-of-pocket maximum for the year, the insurance plan will cover 100% of in-network expenses beyond that point until the plan year ends.
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Supplementing Your Medical Benefits
CRITICAL ILLNESS INSURANCE
Critical Illness Insurance provides a cash benefit to members who are diagnosed with a Covered Condition such as: Alzheimer’s Disease, Coronary Artery Bypass Graft, Cancer, Heart Attack, Kidney Failure, Major Organ Transplant, and Stroke. When you are diagnosed with a covered condition, submit your claim and you’ll quickly get a check up to $30k. ACCIDENT INSURANCE Accident insurance provides benefits due to covered accidents for initial care, injuries and follow-up care. Benefits up to $15k are paid directly to you, in addition to any other coverage you have. Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs of a hospital stay. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. HOSPITAL INDEMNITY INSURANCE
SUPPLEMENTAL LIFE & AD&D INSURANCE
Life insurance pays a lump sum death benefit while AD&D coverage provides benefits to your beneficiary if you suffer loss of life and/or you suffer loss of limb, speech, hearing, or sight as the result of a covered accident. The company covers benefit eligible associates, but you may elect to purchase additional voluntary coverage. You may need to complete MetLife’s Life Statement of Health form within 60 days after enrollment.
Caring for you in all ways. Always.
When dealing with healthcare or insurance issues, know that you have an experienced and trusted Health Advocate expert to help you handle them. We’ll take your issue(s) out of your hands and resolve them on your behalf—so you can focus on what matters most.
Your Health Advocate services can help you:
Uncover medical billing errors
Find the right in-network doctors
Resolve claims issues
Explain health conditions and diagnoses
Research the latest treatment options
Answer questions about covered services
Understand your health plan
Arrange second opinions
Transfer medical records
Contact Health Advocate today!
We support the whole family
You, your spouse/partner, dependents, parents and parents-in-law can all use our services.
Simply reach out when you need us
Connect with us through our website, mobile app, email or phone.
866-695-8622 answers@HealthAdvocate.com HealthAdvocate.com/Montage
Registration code:4Y28Y3G
We’re not an insurance company. Health Advocate is not a direct healthcare provider, and is not affiliated with any insurance company or third party provider. ©2025 Health Advocate HA-M-2401051-1.2FLY Call • Email • Message • Live Chat
SEPTEMBER Delving Into Devices
A lot of studies have shown that the more kids use media, especially around bedtime, the worse their sleep is. But some uses of handheld devices can have benefits. Kids can use video chat to talk with relatives who live far away. Some educational apps and programs designed especially for children can help them in school. So how can parents find a balance? Here are some tips for setting screentime boundaries: Be a role model and limit your own screen time. Create a house rule that limits screen time and enforce it. Give your kids alternatives to screen time. Suggest playing outside, finding a new hobby, or learning a sport. Do other activities together, such as family board games, puzzles, or going for a walk. Create screen-free bedrooms Don't use TV time as reward or punishment (this makes it seem more important to kids) Make meal time = family time
Wear Purple on September 21 st
World Alzheimer's Day, which takes place every Sept. 21, is a global effort to raise awareness and challenge the stigma around Alzheimer's disease and other dementia. Alzheimer’s Disease affects more than 6.7 million Americans. It’s estimated that 10.7% of people 65 years and older have this disorder and that 73% of people with this condition are over the age of 75. Wear purple on September 21 to show support. You may also click here to register for a walk near you to raise funds and awareness for Alzheimer's care, support and research. st
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Healthy Social Media Habits for YOU!
Social media puts other people just keystrokes away. This helps some feel like they have more social support. But for others, it can increase isolation and depression. Use Your Time Wisely Spending more time online may be a sign that you’re withdrawing from others. Passively watching what others are doing online can make you feel more isolated. You might feel you’re missing out or being left out. Or it can make you think that other people have better lives than you. Watch for signs of withdrawing from others. Connect Carefully Social media can make substance use behaviors seem normal which can affect both teens and adults. Messages about ‘wine-mom’ culture that link alcohol use with ‘mommy needs a break at the end of the day’ link alcohol with positive self- care. But using alcohol to manage stress is not a healthy coping strategy. Seek Out Help Remember, you don’t need to struggle with mental health problems alone. There’s a common misconception that we can handle our mental health problems on our own, and that they’re not severe enough to warrant medical care. Don’t hesitate to reach out to a health care provider or mental health professional.
Suicide Awareness Month
People can call or text 988 or chat 988lifeline.org for themselves or if they are worried about a loved one who may need crisis support. You can reach a trained crisis counselor who can help.
Connect virtually with a mental health expert who specializes in you. You deserve quality care from someone who cares. Match with licensed therapists and prescribers who take our insurance plans. CLICK HERE TO GET STARTED
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AUGUST National Relaxation Day
August 15th is National Relaxation Day. According to Oxford University, when we get stuck in what is called, the “doing-mode”, we initially feel good about getting things done, however, staying in this state of hyperarousal can dysregulate our nervous
system and increase stress. Tips to avoid burnout:
Recognize and respond to signs of stress: Stress manifests as a biological response and may present itself differently in each person (tense muscles, headache, clenched teeth). Regularly practicing stress-relieving strategies, such as going for walks, listening to music or guided meditations, or keeping a diary of your thoughts, can help prevent acute stress from turning into chronic stress. Set boundaries: Feeling unable to establish clear and firm boundaries can lead to an unmanageable workload and eventual burnout. Develop a work-life balance: people feel more motivated and energized when they have time for activities beyond work. Take Breaks/Schedule Days Off: Short breaks throughout the day can help a person relax and recharge and may also be a good time to engage in some mindfulness techniques. Longer breaks throughout the year, such as a few days off, can help people to recharge and return to their responsibilities with a fresh perspective. Remember, vacation/time off is part of your total rewards package, it is there for you to use, when you need it!
Learn more about strategies to recover from burnout
What is Mindfulness?
“Mindfulness is about observation without criticism; being compassionate with yourself. When unhappiness or stress hover overhead, rather than taking it personally, you learn to treat them as if they were clouds in the sky, and to observe them with friendly curiosity as they drift past. In essence, mindfulness allows you to catch negative thought patterns before they tip you into a downward spiral. It begins the process of putting you back in control of your life.” Professor Mark Williams - Emeritus Professor of Clinical Psychology, University of Oxford, UK and Founder of the Oxford Mindfulness Foundation
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Free Mindfulness Resources
Take a few minutes to practice mindfulness with a selection of mindfulness books, meditations, podcasts, research articles, websites, videos and other resources linked below. This information, in addition to research-based self-paced courses, can also be found on the new Oxford Mindfulness Mobile App. Explore key mindfulness themes and practices in ways to support you personally, in your daily life. OXFORD MINDFULNESS
FREE MEDITATIONS
MINDFULNESS PODCASTS BOOKS & RESOURCES
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As your children head back to school this fall, it’s particularly important for you to work with your child’s doctor or nurse to make sure they get caught up on missed well-child visits and recommended vaccines. You can also find information on the American Academy of Pediatrics website. Remember to take care of yourself too! Make sure to receive any vaccines you need to stay healthy. Visit immunize.org to find more information about vaccines and immunization. National Immunization Awareness Month
Here are some informational sessions coming up in August that are free for you to join! Upcoming Webinars
Register today by clicking the link(s) below to receive a calendar invite.
Wellbeing Webinars
ACTIVATE YOUR HEALTHY MIND/ HEALTHY BODY WEBINAR SERIES
Financial Webinars
FIDELITY LIVE WEB MEETINGS HSA BANK UPCOMING WEBINARS
explore, experience & discover
Ready to use your Associate Discount on Retail or Hotel Accommodations? Simply scan the QR code above and complete your digital Discovery Program Form! All currently employed full-time and part-time associates, and active casual (on-call) associates of the Company are eligible for the Discovery Program after completing 90 days of employment. For on-call associates, active status means you have worked within the last 30 days. For the associate retail discount, you must present a completed Discovery Program Form to the outlet at time of purchase as proof of active employment. You do not need to stay overnight to use this 40% associate retail discount. Some restrictions apply. For discounted hotel accommodations, a completed Discovery Program Form must be presented at check-in. Purchases subject to a discount need to be charged to the room for discounts to apply. For all details on how to book your reservation and what discounts apply during an overnight stay, please refer to the Discovery Program Policy, linked under Terms and Conditions on this form.
JULY Social Wellness Month
Connecting with other people can be an interesting, exciting, and a healthy part of being human. Moreover, social support is often integral to a person’s physical health and mental well-being. According to the APA, about 30% of Americans feel lonely. The benefits of social support: Self-esteem: Surrounding yourself with people who respect and care about you can lead you to think more highly of yourself, potentially improving your self- esteem. Coping skills: Having social and emotional support can improve your sense of autonomy, potentially making it easier to cope with stressful situations, even on your own. Stress resilience: Research suggests that having social support can make an individual more resilient to stress. Conversely, those with less social support may be more prone to experiencing stress. Feelings of belonging: Social support can give individuals “the feeling of being loved, cared, respected, and belonging to a network of communication.” Physical health: Research suggests that social support can significantly predict the physical health symptoms an individual may experience. Mental health: Research has also shown social support to be a strong predictor of mental health symptoms, such as depression. According to researchers, positive social communication with one’s social network can reduce anxiety and improve feelings of stability.
If you’re looking to form strong connections, you might reconnect with old friends or distant relatives, take up a new hobby, join a club or volunteer. For guidance in cultivating improved social wellness, it may be helpful to work with a licensed therapist through our partner, Rula. Get matched with a professional HERE! Build Healthy Relationships
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STAY CONNECTED AND FOLLOW OUR LIFE AT MONTAGE SOCIAL MEDIA PAGE
HTTPS://WWW.INSTAGRAM.COM/LIFEATMONTAGE/
EMAIL ANY GROUP PHOTOS OR VIDEOS TO YOUR LOCAL PEOPLE DEPARTMENT TO BE FEATURED
it pays to have friends.
Refer a friend, and get a bonus for you!
$1,500 for Salaried Positions $500 for Hourly Positions
have them apply on our career site
your referral is hired into the position
after 3 months, you recieve a bonus
The referral must indicate the associate referring them in the source field of their application. The referral must successfully complete 90 days of employment to qualify.
Please contact the People Department to confirm eligibility
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Make it a holiday, not a hazard. Follow these safety tips this Fourth of July: Enjoy fireworks at public displays conducted by professionals rather than using them at home. Never allow young children to play with or ignite fireworks. Never use fireworks while impaired Firework Safety Tips
Explore Summer Savings! You have access to BenefitHub’s Associate Discount Center for steep discounts on fun summer activities! From tickets to sporting events, waterparks, and travel discounts, you can ensure you and your family make the most of this summer!
Reference Code: XDJEGF CLICK HERE TO EXPLORE DISCOUNTS
by drugs or alcohol. Keep pets indoors.
Keep a bucket of water, garden hose, or fire extinguisher nearby. Never shoot fireworks off in metal or glass containers. Do not try to re-light or handle malfunctioning fireworks. Soak both spent and unused fireworks in water for a few hours before discarding. Anyone using fireworks or standing nearby should wear protective eyewear For children, consider alternatives to sparklers, such as glow sticks, poppers, or silly string.
Upcoming Workshops
Here are some upcoming informational sessions happening in July that are free for you to join! Register today by clicking the link(s) below to receive a calendar invite. Well-being Webinars ACTIVATE YOUR HEALTHY MIND/ HEALTHY BODY WEBINAR SERIES Financial Webinars FIDELITY LIVE WEB MEETINGS
HSA BANK UPCOMING WEBINARS
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JUNE Men’s Health Month
This annual observance encourages men and boys to be proactive in their health by implementing healthy living decisions. It's a time to encourage open conversations about mental health, physical well-being, and the importance of regular health check-ups. Far too often, societal expectations and stereotypes can prevent men from seeking help or expressing vulnerability. By fostering empathy within our communities, we can create a more supportive environment where men feel comfortable discussing their health concerns and seeking assistance when necessary.
MENSHEALTHRESOURCECENTER.COM
TALKINGABOUTMENSHEALTH.COM
MENSHEALTHNETWORK.ORG
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Explore Summer Savings! You have access to BenefitHub’s Associate Discount Center for steep discounts on fun summer activities! From tickets to sporting events, waterparks, and travel discounts you can ensure you and your family make the most of this summer!
Reference Code: XDJEGF CLICK HERE TO EXPLORE DISCOUNTS
Upcoming Workshops Here are some upcoming informational sessions happening in June that are free for you to join! Register today by clicking the link(s) below to receive a calendar invite. Wellbeing Webinars CARROT FERTILITY: LGBTQ+ PATHS TO PARENTHOOD WEBINAR ACTIVATE YOUR HEALTHY MIND/ HEALTHY BODY WEBINAR SERIES ACTIVE&FIT STRESS MANAGEMENT Financial Webinars FIDELITY LIVE WEB MEETINGS
Swim Safety
Whether you’re in open water or at a pool, make sure to supervise children at all times. Avoid distractions, like cellphone use, and do not rely on swimming aids, even life jackets, in lieu of supervision.
HSA BANK UPCOMING WEBINARS
Learn more about swimming safety for kids HERE .
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Practice Safe Camping This Summer
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2025
Free Financial Coaching Via DailyPay DailyPay has partnered with Coordinated Assistance Network to offer you free financial wellness coaching sessions. Specialized coaches can help you to manage your expenses, build savings, make a plan to pay off debt and so much more!
$
Comprehensive one-on-one coaching sessions
Sessions are held virtually and are free for all associates
Financial counselors are AFCPE-certified
How to sign up:
1. Sign-up or log-in to the DailyPay app to request a session. When asked how you heard about it, choose “Other” and then write “DailyPay.” 2. Sign up to meet with a counselor. 3. Fill out the online form and you will be matched with a financial counselor. 4. After signing up, a counselor will reach out to you within 48 hours
DailyPay allows you access to your earned pay when you need it. Download the app:
dailypay.tm/coach
LIFE WELL LIVED
MAY Mental Health Awareness Month
No matter who you are or your circumstances, life can throw you some curve balls. By practicing emotional coping skills and building a support system you trust, you can help boost your resiliency to better navigate these difficult times.
Tips for boosting your resilience
Practice gratitude and mindfulness. These practices can help keep the positive things in your life top of mind and remind you that not everything is bad. 1. Change your perspective. Instead of feeling like bad things always happen to you, or you can never catch a break, try to tell yourself that your current challenge does not have to decide your future. Leaning into hope can help you maintain a positive mindset. 2. Learn from the past. Look at what activities or people helped you through tough times in the past. You may notice a pattern and be able to develop a plan for dealing with difficult situations in the future. 3. Talk to a professional. If you’re having trouble navigating a situation on your own, reach out to a mental health professional to help you create a strategy for moving forward. 4. Care for your body. Eating a nutritious diet, exercising regularly, and getting enough sleep all contribute to better mental health and can help reduce feelings of stress and anxiety. When you feel good physically, you have one less barrier to feeling good mentally. 5. Connect with others. Connecting with a group of like-minded people in your community or with empathetic loved ones can help validate your feelings and give you a sense of belonging and purpose. 6. Pursue your goals. Reflect on something you want to accomplish and think about how you can make progress toward that goal each day. 7. Be proactive. If a problem or situation seems particularly overwhelming, make a list of small steps you can take to manage or overcome it and take them on one at a time. 8. #AllBecauseofYou
LIFE WELL LIVED
2025
If a friend or family member is showing signs of a mental health issue: Schedule a visit with their regular doctor. Encourage them to meet with a counselor at school or talk with a therapist by video. Talk to a nurse for guidance 24/7 by calling the Nurse Line at the number on your health plan ID card. Use your Employee Assistance Program (EAP) for mental health resources (ours is Telus Health) Minimize access to means of self-harm, such as firearms, prescription medicines, and sharp objects like razors or knives. Call 988 for the confidential Suicide & Crisis Lifeline or go to nearest emergency room What to do when someone needs help
Learn how to respond to cyberbullying
If your child is being cyberbullied, it’s crucial to act, but the Child Mind Institute suggests taking time to talk through the situation with your child and develop a plan of action together. Your plan might include the following steps: Don’t reply or respond. The bully wants to get a reaction from your child, so it’s best for them and you to stay silent. Collect facts. Take a screenshot or copy and save a message before deleting it. Block and unfriend. Block the number on your child’s phone if it’s a text message. Take the person off their buddy or friends list if it’s through IM or a digital platform. Report it. Consider telling teachers about the situation. If the bullying happens online, it might also happen in person. If the bullying occurred on a website or app, go to that company’s site and look for a way to report it. If the message is a real threat to your child’s safety, contact your local police immediately. As a parent, you’ll also want to: Be supportive. Talk to your child about how they are feeling. They likely feel angry, sad, scared, or ashamed. Assure them that you love them and don’t blame them. Watch for signs of distress. Bullying can impact your child’s mental health. If your child shows signs of anxiety or depression, make an appointment for them with their pediatrician or a mental health professional.
ASSOCIATES RECEIVE 5 FREE THERAPY SESSIONS PER ISSUE PER YEAR
2025
LIFE WELL LIVED
Self-care apps for your everyday life Everyone needs support for total health — mind, body, and spirit. These wellness apps can help you navigate life’s challenges, and make small changes to improve your sleep, mood, relationships, and more. It’s self-care made easy, designed to help you live well and thrive. Kaiser offers these to members at no cost.
Recorded Webinars on Mental Health
Mental Health and Me
Coping with Grief & Loss
CLICK HERE FOR REPLAY
CLICK HERE FOR REPLAY
#AllBecauseofYou
2025
LIFE WELL LIVED
Work Smart Get Paid Webinar by DailyPay Managing your finances can be challenging, especially with the amount of information available online. Here’s a simple way to start. Join DailyPay’s free, easy-to-follow webinar: “ Making Money Manageable ” on May 29th, 2025 | 3:00 PM ET to 4:00 PM ET.
Join Hady Mendez, from Boldly Speaking, as she shares: Why talking about money is so scary, and so important. How to become‘financially stable’. How to invest in yourself with smart money moves. PLUS 10 attendees will win a $50 Visa gift card!*
Listen in live on your own time, or anytime after the event on YouTube and enhance your money management skills. RSVP HERE to get the recording link sent to you!
#AllBecauseofYou
APRIL Physical Wellness Month
Montage International supports your physical wellness journey by partnering with Active & Fit Direct. For just $28/mo you can find your perfect gym from 12,700+ options nationwide. Create a free account to get instant access to 14,000+ on- demand workout videos and 1-on-1 well-being coaching. To access, visit the Associate Discount Center on BenefitHub and click on the Active & Fit Direct affiliate link. While in there, you can also explore daily deals on fitness equipment, apparel, and more! WATCH THIS VIDEO ON ACTIVE & FIT DIRECT
Every year, National Pet Day celebrates all the wonderful pets that enrich our lives—whether they’re furry, finned, feathered, or otherwise! This special day is dedicated to recognizing the joy and companionship that all pets bring to our homes. Montage International takes pride in our family, and pets are family too! Take advantage of our discounted group rate on pet insurance! National Pets Day is April 11th
CLICK HERE TO ENROLL IN PET INSURANCE TODAY
LIFE WELL LIVED
#AllBecauseofYou
Move More
ACTIVE&FIT SPRING INTO FITNESS ACTIVATE YOUR HEALTHY MIND/ HEALTHY BODY WEBINAR SERIES BANK OF AMERICA WEBINARS FIDELITY LIVE WEB MEETINGS HSA BANK UPCOMING WEBINARS
Live Webinars Happening This Month Here are some upcoming informational sessions happening in April that are free for you to join! Register today by clicking the link(s) to receive a calendar invite.
LIFE WELL LIVED
2025
Fit Fitness Into Your Day
LIFE WELL LIVED
2025
Protect Yourself From Stress
When by demands on our time, energy, and resources, we may experience stress. While occasional stress is usually harmless, ongoing stress that we feel challenged disrupts your daily routines can affect your quality of life and potentially put your long-term health at risk. Being able to recognize the
signs of stress and find different strategies to manage it can help you be your healthiest self and avoid larger health problems down the road. If you are having trouble coping with stress, reach out to a doctor or a mental health professional for help.
LIFE WELL LIVED
2025
Do you know the difference between the emergency room and an urgent care? Do you know where to go when you are in need of medical care? In general, the emergency room should be visited if the problem is life threatening. Urgent cares should be visited if the problem is non-life-threatening but is too pressing to wait to see your primary care doctor. The key differences between emergency departments and urgent care centers include more than just what you are being seen for. Other differences include the cost, wait times, and hours of operation. Emergency Room or Urgent Care: Key Differences
Know before you go
Generally, the wait times are shorter at urgent care. Insurance companies accept visits to both urgent cares and emergency rooms. However, the average cost for an urgent care visit is $125-$160 whereas the emergency room could cost $400-$2,000 . Emergency rooms are available 24/7 and not all urgent care locations operate 24/7. Check the hours for those nearest you! Ultrasounds, CT scans, and MRIs are generally not offered at an urgent care, but are available at many emergency rooms or hospitals.
Save every dollar you deserve this tax season.
Get 20% off TurboTax federal products.
Early Refund: Have your federal tax refund direct deposited to your DailyPay Visa® Prepaid Card and get your tax refund up to 5 days early*.
The DailyPay Visa® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. Banking services are provided by The Bancorp Bank, N.A., Member FDIC.
Claim Your 20% Discount:
Scan the QR code.
Sign in to your TurboTax account. If you don't have one, create a new account. Complete your federal tax filing. The 20% discount will be automatically applied at checkout. If you set your direct deposit of your federal refund to your DailyPay Card, you are eligible to receive your federal tax refund up to 5 days early.
Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2024. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
*Early access to eligible direct deposits made through the Automated Clearing House ACH) network depends on when the payment file is received by the bank. DailyPay generally makes these funds available on the day the payment file is received from the IRS, which may be up to 5 days earlier than the scheduled payment date. Early availability of direct deposits is not guaranteed. Whether we make funds available early depends on when we receive the payment file, any limitations we set on the amount of early availability, and standard fraud prevention screening.
MARCH National Nutrition Month
March is a great time to make sure your diet and habits support your best health. Learn how to shop smart, prepare healthy meals, and practice food safety this month by clicking the link below.
LEARN MORE
Wellness Coaching
Changing your habits can be hard, but working with a wellness coach can help you make it happen. You’ll get one-on-one guidance and support from one dedicated coach who can help you set goals, stick to them, and, most importantly, see results.
We also have our partnership with Active & Fit Direct which gives you access to multiple gyms or studios in your area, a library of workout videos, and virtual wellness coaching sessions. It is only $28 a month to sign up. To register for Active & Fit Direct, log into your Alight Worklife account and click the Active & Fit bubble at the top of the page to be directed to their page using our unique affliate link.
For Kaiser members visit kp.org/coaching
For Anthem members: 1.login to your account 2.click Care 3.click Discounts select Ahara for a personalized meal plan 4.
LIFE WELL LIVED
#AllBecauseofYou
LIFE WELL LIVED
2025
Upcoming Workshops Here are some upcoming informational sessions happening in March that are free for you to join! Register today by clicking the link(s) below to receive a calendar invite. HOW TO MAKE THE MOST OF YOUR CARROT BENEFIT WEBINAR ACTIVATE YOUR HEALTHY MIND HEALTHY BODY WEBINAR SERIES BANK OF AMERICA WEBINARS
Get MyPlate nutrition information straight to your home on your Amazon Alexa smart speaker, or on your phone or tablet via the free Amazon Alexa app. MyPlate can help you shop healthy choices within a budget. MyPlate Tips on Alexa
FIDELITY LIVE WEB MEETINGS
HSA BANK UPCOMING WEBINARS
Healthy You Podcast
The importance of nutrition, exercise, and sleep LISTEN HERE
CLICK HERE FOR HEALTHY RECIPES Need Inspiration?
LIFE WELL LIVED
2025
The Importance of Gut Health
FOR ANTHEM MEMBERS SCAN QR CODE
Tax Season and Health Savings Accounts (HSA)
Tax Day is looming, and just about everyone is looking for ways to hold onto more of their hard-earned money. If you are enrolled in the Company’s High-deductible Health Plan (HDHP Medical Plan), you are eligible to take advantage of a Health Savings Account (HSA), which allows you to save money on a pre-tax basis and use these funds to pay for healthcare-related expenses without being taxed. Additionally, Montage International contributes funds to your HSA each paycheck , providing “free money” that you can use as needed for eligible healthcare expenses. For a full list of eligible expenses, visit the IRS website here. To change your per paycheck contribution any time, go to your Alight Worklife portal and click Change HSA Contribution on the left-hand menu.
While HSAs can save you money throughout the year on healthcare, there are a few things you can do during tax season to further maximize savings with an HSA, including:
Take advantage of the triple threat – With an HSA, the amount contributed is a part of a triple tax advantage; tax-free contributions, tax-free withdrawals for qualified medical expenses and tax-free interest earned on savings, making it worthwhile to contribute more if possible, to save money on taxes while putting funds away for future expenses. Earn interest – Unlike funds contributed to a Flexible Spending Account (FSA), unused HSA funds can roll over from year to year and collect interest over time, so if you don’t need all the money this year, you can keep it for future expenses. For information on how to get started with investing funds in your HSABank account go here to get started - HSAInvest. Continue contributing – The deadline to contribute to an HSA to maximize savings for 2024 taxes is April 14, 2025. For the 2025 tax year, individuals can contribute up to $4,300, and families have a maximum of $8,550, both an increase over last year’s limits. As in previous years, people 55 and older can contribute an additional $1,000 catch-up. HSA Bank has this handy Tax 101 FAQ to learn more. HSA Bank and Montage International does not provide legal or tax advice. Please contact your tax professional with any tax- related questions.
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