Reduce Your Payroll + Workers Comp with Our
Simple to Implement Plan
Are you a business owner who enjoys saving money?
We have a proven plan that will save you money on
Payroll Taxes & Workers Comp
In 15 minutes, we can explain the plan & if you are interested in saving thousands of dollars per year
We are an independent insurance agency for Life, Health & Accident insurance.
This means we are not bound by one insurance company or one solution.
Our responsibility is to deliver the best results for you & your employees.
We offer a Wellness Plan that pays for itself from the start.
What is a Wellness Plan?
A program supported by an organization to inspire and engage people to make small achievable changes to their daily routine for a healthier life.
Features of Our Wellness Plan
VIRTUAL SUPPORT GROUPS
Behavioral Health Counseling
Cognitive Wellbeing Support
STUDENT LOAN ADVOCATE
Employees with student loan debt can work with student loan adviser to determine if the student's loans are eligible for any available student loan debt reduction or restructuring plans.
Every company has its unique circumstances, in cases, where Group Dental is not offered a dental discount program is helpful. Our program provides discounts for dental services across 200,000 participating dentists nationwide
How does a Wellness Plan help an Employer?
Eligible employers can reduce their payroll tax contributions by up to $500 per employee per year. Business owners love this plan! This Federal Plan has $0 out-of-pocket costs to the employer and the employee.
Less Workers' Comp Exposure
What are you doing to minimize your off-the-job workers' comp exposure?
If an employee can not stay home if injured. What do you think they are going to do?
When an employee is helped with out-of-pocket expenses; they are more likely to use the health plan sponsored by their employer. Resulting in a healthier employee, fewer sick days, and strengthening company morale.
Retain & Recruit
Employee turnover is a significant cost for employers. Companies with great benefit plans outshine companies with mediocre plans. Our plans help employees pay for medical expenses at no out-of-pocket cost to employees.
A Better Way
A MetLife survey of 1,000 full-time workers found that 48% of workers said they could not pay $1,000 or more for out-of-pocket expenses without relying on debt or credit if a serious illness or accident occurred today.
How does Our Wellness Plan help an Employee?
A unique Federal program provides non-taxable money for employees to purchase voluntary benefit plans that pay qualified medical expenses. Eligible Employees receive a medical benefit with no out-of-pocket costs to the employee.
According to a survey by Bankrate.com, only 39% of Americans could afford to pay a $1,000 unexpected expense. Our plan provides a voluntary benefits plan that will help employees with out-of-pocket medical expenses.
Voluntary benefits help employees directly with cash payments due to accidents or illnesses. Employees decide how to spend the cash payments - rent, food, or bills. It is their money, their choice.
How does Our Wellness Plan work?
Once your employer signs up (THEY SAVE ALOT OF MONEY).
We determine your allotment of non-taxable Federal dollars and we work with you to procure a plan for you. Included with all plans is the BalancedBeing Wellness Plan.
Your "take-home" paycheck will remain the same just as before except you will have a benefit plan that will help pay for Medical Expenses paid for by participating in this plan.
Plus, you have the choice of adding an Accident, Critical Injury, Critical Illness, Group Life, or Cancer Care coverage.
Participating in this program requires that you use the Wellness Plan because the main point of the plan is to help you become more healthy. By using the app, you gain points and every year you need 100 points to participate. It is super easy! Just opening the app gets you 25 points!
Why should an Employee participate in Our Wellness Plan?
Here are some reasons why an Employee should participate in Our Wellness Plan:
No Out-of-Pocket Cost to Employer. Healthcare is expensive and a benefit like this is essentially free to the employee and their family plus the employer saves money too!
Do they have kids? The non-taxable amount saved in every paycheck could enable the employee to procure a voluntary benefits plan that can assist in paying for a portion of the out-of-pocket costs for their kid's medical expenses.
Unplanned Expenses? Accidents and illnesses happen to everyone. Some people have a plan to pay for unplanned expenses. Unfortunately, others use credit cards. By becoming a participating employer, you provide your employees access to a plan that helps them pay for qualified medical expenses more easily.
Family History. Critical illnesses may be a part of the employee's family history. Having a plan for out-of-pocket expenses could be a strong financial plan or the employee could decide to procure a Critical Illness Plan for additional coverage.
What about Life Insurance? After enduring a year-long pandemic, life insurance has taken on a whole new meaning. With group life insurance people unable to get life insurance on their own may be able to procure life insurance through Our Wellness Plan.
What are my Next Steps as a business owner?
We will need an employee census to develop the plan documents. If you have a current employee census that should be sufficient. If you need a form to create a new one, we will send you one after the Discovery Call.
Schedule a Discovery Call
During our Discovery Call, we will discuss eligibility, participation, review the employee census and the BalancedBeing Wellness Plan. We will define the qualified voluntary benefits plan associated with the program.
Employee Webinar | Presentation
After eligibility is confirmed, a Zoom webinar will be provided to detail all the benefits of the plan and explain how the plan works. Typical acceptance of the program and enrollment is greater than 70%.
Enrollment is typically handled via Zoom, Phone, or In-Person Meetings. All in-person meetings follow Covid-19 protocols. It takes a few minutes per employee.
Payroll Service Coordination
Enrollment in this program requires a "cafeteria plan" in order to make the appropriate deductions and calculations. We can work with your current payroll service or we can introduce you to our payroll partner. The enrollment specialists that will work with you to implement the plan will provide you with all the necessary documents to create a smooth transition.