• 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.