MWG Benefits, Inc. provides this web site as a service to our clients, as well as those interested in employee benefits and the laws pertaining to them.  All content supplied in this site is believed to be reliable and true.  However, changes occur almost daily in state and federal regulation of employer sponsored health plans and benefits.  MWG Benefits, Inc. disclaims all liability for reference to any information contained in this site.  While we try to make corrections and keep the information up-to-date, there is no guarantee that the information is correct and complete.