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In sub-regulatory guidance, the Department of Labor has indicated that pro-rated rewards are permissible in some circumstances as long as the plan gives participants the opportunity to enroll in the smoking cessation program at the beginning of the plan year (e.g., during annual enrollment).[i] The plan sponsors in the two cases at issue have taken the position that they are not required to refund the surcharge collected to date, but instead only must allow these individuals to pay the non-smoker premium prospectively for the rest of the plan year

Understanding these requirements is a crucial step if youre planning how to sell on Instamart or how to sell on Swiggy Instamart successfully in 2026

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The protective benefits of breast milk are significant