Employee Benefits
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Significant Tax Savings:
- Reduction in Federal Insurance Contributions Act (FICA) taxes.
- Potential reduction in workers' compensation premiums by 15-30%.
Compliance Support:
- Ensures adherence to IRS regulations, including sections 105, 106, and 125 of the Internal Revenue Code.
- Audit defense provided for peace of mind.
Cost-Effective Implementation:
- No net out-of-pocket costs for the employer.
- Streamlined data collection and eligibility assessment through a secure, HIPAA-compliant portal.
Enhanced Employee Productivity and Retention:
- Healthier, more engaged employees contribute to increased productivity.
- Comprehensive wellness benefits improve employee satisfaction and retention.
Benefits for Employees:
Medical Expense Reimbursement:
- Reimbursement for qualified medical expenses, including out-of-pocket costs for treatments, prescriptions, and other healthcare services.
Health and Wellness Services:
- Telemedicine: 24/7 access to licensed practitioners with no copay, available to the entire family.
- Health Risk Assessments: Personalized assessments to identify and mitigate health risks.
- Biometric Screenings and Predictive Disease Analysis: Early detection and prevention strategies for chronic diseases.
- Holistic Coaching: Access to health coaches for personalized wellness guidance.
- Employee Assistance Program (EAP): Comprehensive counseling services, relationship health, behavioral coaching, and medical advocacy.
Wellness Incentives:
- Discounted Gym Memberships: Subsidized access to fitness facilities.
- Smoking Cessation Programs: Support for quitting smoking.
- Weight-Loss Programs: Resources to help manage and reduce weight.
Financial Wellness:
- Student Loan Debt Relief: Expert assistance in reducing student loans by up to 40%.
- Lowering Bills: Services to help lower household bills and expenses.
- Cash Rewards for Exercise: Earn cash rewards for physical activities like walking and other exercises.
- Travel, Entertainment & Dining Discounts: Access to exclusive discounts on various services.
Legal and Personal Support:
- Identity Theft and Recovery: Protection and recovery services for identity theft incidents.
- Legal Consultation: Unlimited access to legal advice on issues like bankruptcy, foreclosure, home sales/purchase, divorce, adoption, and more.
Guaranteed Issue Life Insurance:
- No medical exams required.
- Includes living benefits for serious illness or injury.
- Portable policy that remains with the employee even after leaving the company.
Personal Health Dashboard (PHD):
- Centralized platform for managing all wellness benefits.
- Accessible online and via mobile apps for ease of use.
Additional Support Services:
Behavioral and Mental Health Services:
- Counseling Services: Individual and family counseling.
- Stress Management: Programs to help manage and reduce stress.
- Substance Abuse Support: Assistance for dealing with substance abuse issues.
Child and Elder Care Assistance:
- Childcare Resources: Support and resources for childcare needs.
- Eldercare Resources: Assistance for managing eldercare responsibilities.
Educational Resources:
- K-12 & Higher Education Support: Resources and guidance for educational needs.
Discount Programs:
- Living 2.0: A bundle of health and wellness apps offering various benefits such as lower bills, cash rewards for walking, and discounts on travel and entertainment.