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Introduce you to Programs that Save You Money
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How does the Federal Program help a Business?
Save $500
per Employee
per Year
This Affordable Care Act ACA-compliant Federal program reduces an Employer's payroll taxes for all eligible employees.
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Eligible employees must be W2 full-time workers working 30 hours per week.
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All types of organizations are eligible to participate:
Public, Private, Union, Non-Union, and Nonprofit.
Save
15% - 20%
Workers' Comp
Premiums
A Company is limited on what they can do to lower their Workers' Comp premiums. An organization can implement a safety program, develop a better return to work program or even participate in a State-sponsored program, however a better strategy is implementing this ACA-compliant Federal program.
Learn about the key detail that California businesses get an added boost, this program reduces a businesses taxable wages for every eligible participating employee. With the uncertainty of the economy and rising inflation, reducing expenses is key to a better bottom line.
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Speak to a specialist today.
Increase
Employee Benefits
No Investment
Our Key Program provides a non-taxable allowance to purchase supplemental benefits (think: critical care, accident, disability, cancer care, and life insurance) without reducing the employees take-home pay.
Added features of the program provides virtual access to telemedicine, counseling, financial, and legal support services plus an educational portal to support healthy lifestyle choices.
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This Federal Program requires No Investment from Employer.
Here are the estimated savings for different-sized companies.
25
Employee
Business
Payroll Tax Savings per Year
$12,500
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Workers' Comp
Gross Wages Reduction
$300,000
100
Employee
Business
Payroll Tax Savings per Year​
$50,000
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Workers' Comp
Gross Wages Reduction
$1,200,000
500
Employee
Business
Payroll Tax Savings per Year
$250,000
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Workers' Comp
Gross Wages Reduction
$6,000,000
Learn More from a Federal Programs Specialist
How does the Federal Program help an Employee?
Non-Taxable Allowance
$$$
The Affordable Care Act's primary goal is to provide more benefits for Americans. This little-known provision details how a company can use their "Cafeteria Plan" to its fullest potential. A cafeteria plan permits an employee to pay for their "share" of healthcare benefits.
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This incentive plan permits a company to incorporate this type of incentive which provides a non-taxable allowance that must be spent on specific supplemental benefits: Accident, Critical Illness, Cancer Care, Disability or Life Insurance.
Supplemental
Benefits
In the aftermath of Covid, people are taking a harder look at Supplmental Benefits and how those benefits can help their families.
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This ACA program's allowance requires participating employees to use the entire allowance to purchase their options.
Employees can choose from a one company program that has every option or individual plans from multipe providers. We can help the employee decide which works best for the employee's unique circumstance.
Save Money
How does an employee save money?
First, if they are paying for Supplmental Benefits, this program provides an allowance to purchase Supplemental Benefits from providers of the program.
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Second, most employees buy Accident Benefits. Accident plans provide a cash payment to the employee when a claim is presented to the insurer.
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Third, Supplemental benefit plans are instrumental in reducing out of pocket expenses for future unplanned events.
Schedule Your Discovery Call to Get Started
Why should an Employee Participate in this Program?
Here are some reasons why an Employee should consider participating in this ACA program:
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No Out-of-Pocket Cost. An employee and their family can benefit from these valuable insurance policies without impacting the family's budget. An employee's Take-Home Pay will remain the same!
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Family Income Protection. If a family relies on an employee's monthly income; it is critical to protect it. All of these policies provide cash to the insured when a claim is filed per the policies terms and conditions.
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Reliance on Credit Cards. A 2021 survey by Bankrate showed that 39% of Americans could pay for a $1,000 emergency expense. The majority of Americans would have to borrow the money (18% would use a credit card). The insurance policies available would help lessen the need to incur more debt during the emergency.
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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.
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Do they have Children? Kids get sick and they get injured especially when they play sports. Having a plan to cover out-of-pocket expenses could be a great solution to lessen the financial impact to the family's budget.
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Be Insured when Accidents Happen. Car accidents, slip & falls, playing league sports or just life happening. An employee's medical insurance helps them with the doctors. Who helps the employee & their family pay for rent, food & gas while they are off of work?
What are my Next Steps as a business owner?
Schedule a Discovery Call
During our Discovery Call, we will discuss the details of the plan, the simplicity of implementation, and savings for the business.
Provide Us Information
We will need a payroll report and W4 for each employee. We will fill out all the documentation, and provide you with a detailed report showing expected payroll tax savings, details on the allowance per employee, and estimated reduction on workers' comp gross wages.
Employee Presentation & Enrollment
We will schedule an enrollment session (In-Person or Zoom). We will explain the details for the employees and explain that their take-home pay will not be reduced. Employees will be able to choose how they would like to spend the non-taxable allowance provided by the federal government.
Mock Payroll
Seeing is believing. To ensure the highest quality control, the 3rd party administrator of the program will work with the business' payroll service to complete a before/after mock payroll. A mock payroll is the easiest confirmation to the benefits of the ACA-compliant Federal program.
Implementation
Once all items have been confirmed, and the practice run scores 100%; we will confirm your date for implementation and engage the program. During the entire program, we will be available to support your organization.
Are You Ready to Sign Up for this Lucrative Program?
Does this Program Work with NonProfits?
Yes, Absolutely!
After more than a year of enduring the Coronavirus shut down, nonprofits were hit particularly hard. A nonprofit organization can participate in this program to help its own employees and reap the payroll tax-saving incentives, and workers' comp gross wage reductions associated with the program.
If I was advising a nonprofit, I would tell them that their donors were hit particularly hard too. The challenges to fundraising could be reversed by helping your donors become aware of this program. By helping them, a portion of their savings could be donated to your nonprofit. Helping your donors learn about this lucrative Federal Program will certainly make your nonprofit stand out amongst your peers. This program can help private, public, union, and non-union organizations of any size above 3 full-time W2 employees.
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Recently, a well-recognized nonprofit participated in this Federal Program to capture the savings for their own organization plus provide additional benefits for their full-time workforce. The idea of sharing this program with other nonprofits and their donors began the day after they completed their first payroll for their workforce. Seeing the impact spurred the nonprofit's CFO to call another nonprofit's CFO and tell them about the program.
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Leaders of nonprofit organizations and creative fundraisers can embrace the concept of sharing this ACA Incentive Program and gently reminding their friends and donors that sharing in the savings would be a fantastic idea plus the donations are still tax-deductible.
