Step 01Pre
Pre-tax deduction
The $1,220 monthly deduction is taken before income tax and FICA are calculated.
[ Mechanism ]How It Works
The mechanism, step by step.
The Preventive Care Benefits Program uses a Self Insured Medical Reimbursement Program (SIMRP) combined with a Section 125 cafeteria plan to deliver comprehensive preventive care while generating employer FICA tax savings.
[ 03 ]Process
Three steps from enrollment to savings.
Implementation runs 2–3 weeks end-to-end. Our team handles compliance, documentation, and onboarding so you don't have to.
- 01Day 0
Schedule a Discovery Call
Meet with a benefits advisor to review your current payroll structure and determine eligibility. We analyze your workforce and project your exact FICA savings.
Step 01 - 02Days 1–14
Enroll Your Employees
Our team handles plan documentation, compliance filings, Section 125 plan setup, and employee communication. Your only task is a simple payroll code addition.
Step 02 - 03Day 21
Start Saving
Begin realizing FICA tax savings on the very next payroll cycle. Employees immediately access their full suite of preventive care benefits.
Step 03
[ 02 ]The math
The FICA savings mechanism.
Reducing FICA-taxable payroll by $1,220/month per employee yields a clean 7.65% in matching-rate savings to the employer — recurring on every payroll cycle.
- 01
- Monthly pre-tax deduction
- $1,220
- 02
- Combined employer FICA rate
- 7.65%
- 03
- Monthly employer savings
- $93.33 / employee
- 04
- × 12 months — annual savings
- $1119.96 / employee
[ 03 ]Same paycheck
Why employee pay stays the same.
The most common question: how do employees receive benefits without a reduction in take-home pay? The answer lies in the pre-tax nature of the deduction.
Step 02Tax
Lower taxable income
The deduction reduces the employee's taxable income, lowering their income-tax and FICA withholding.
Step 03Net
Identical net pay
The tax savings offset the deduction amount — net take-home pay is virtually identical.
Step 04Care
Comprehensive benefits
The employee gains preventive care benefits with no out-of-pocket expenses.
[ Spread ]Paycheck Impact
Two paychecks. One winner.
Same gross pay. Same net pay. Different result. Below is a real-world monthly paycheck rendered side-by-side — without and with the Preventive Care Benefits Program.
Stub A · Without PCBP
Standard Paycheck
Gross
$3,293.33
Gross Pay$3,293.33
Pre-Tax Deductions$0.00
Taxable Income$3,293.33
Federal Withholdings−$395.20
State Withholdings−$189.36
Social Security · 6.2%−$204.18
Medicare · 1.45%−$47.75
Total Taxes−$836.49
Post-Tax Reimbursement$0.00
Net Take-Home Pay$2,456.84
Benefits included: none
Stub B · With PCBP
Enhanced Paycheck
Gross
$3,293.33
Gross Pay$3,293.33
Pre-Tax SIMRPTax-Adv−$1,220.00
Taxable Income$2,073.33
Federal Withholdings−$248.80
State Withholdings−$120.36
Social Security · 6.2%−$128.54
Medicare · 1.45%−$30.06
Total Taxes−$527.76
WIMPER ReimbursementReturned+$1,220.00
Net Take-Home Pay$2,456.84
1,000+ Rx, Telemedicine, $150K Life Insurance, Mental Health, and more
Net Pay Difference
$0.00
Identical take-home
Employee Tax Savings
$308.73
Per paycheck · employee
Employer FICA Savings
$93.33
Per employee · monthly
Net pay is identical in both scenarios. The $1,220 pre-tax SIMRP deduction reduces taxable income, lowering taxes by $308.73. The WIMPER post-tax reimbursement returns the full $1,220 — resulting in the same take-home pay plus comprehensive preventive care benefits.
[ 04 ]FAQ
Common questions.
Implementation typically takes 2-3 weeks from start to finish. Our team handles all plan documentation, compliance filings, and employee enrollment. Your only task is a simple payroll code addition.
No. The program is structured so that employees keep the exact same net take-home pay. The pre-tax deduction reduces taxable income, which lowers taxes. The post-tax WIMPER reimbursement returns the full amount — resulting in identical net pay plus comprehensive benefits.
No. The program integrates with any standard payroll system — ADP, Gusto, Paychex, QuickBooks Payroll, and others. It runs through a simple pre-tax payroll deduction code.
[ End ]
See Your Exact Savings
Use our calculator or schedule a discovery call to see precisely how much your business will save.