No. 01Fc
Federal FICA savings
Save $1119–$1186 per employee per year in federal FICA taxes through pre-tax SIMRP deductions that reduce your taxable payroll.
[ States ]New Jersey
Cut through the tax layers.
Reduce your federal FICA and New Jersey state payroll obligations — including SDI, FLI, SUI, and Workforce Development — saving $1119+ per employee per year with no out-of-pocket expenses.
01 · Annual Savings
$1,119+
Per W2 employee · employer FICA
02 · Employer Cost
$0
No out-of-pocket expenses
03 · Prescriptions
1,000+
Preventive care Rx covered
04 · Life Insurance
$150K
Group term · per enrolled
05 · Implementation
2–3 wk
Enrollment to active
[ 01 ]Layered Tax Burden
Real relief in a high-tax state.
New Jersey employers face one of the most layered payroll tax environments in the country. State Disability Insurance (SDI), Family Leave Insurance (FLI), State Unemployment Insurance (SUI), and the Workforce Development Partnership Fund each add to the cost of every W2 employee — on top of the 7.65% federal FICA obligation.
The Preventive Care Benefits Program offers New Jersey employers a way to reduce their taxable payroll through a fully compliant Self Insured Medical Reimbursement Program (SIMRP). Employees receive comprehensive preventive care benefits — including telemedicine, 1,000+ prescriptions, $150K life insurance, and mental health support — while employers save on every payroll cycle.
No. 02St
State payroll tax advantage
New Jersey's four state programs — SDI, FLI, SUI, and Workforce Development — are calculated on taxable wages, meaning pre-tax deductions can reduce obligations across all four.
No. 03Ze
No out-of-pocket cost
No premiums, no setup fees, no out-of-pocket expenses. The program pays for itself through tax savings from day one — particularly valuable in New Jersey's high-cost environment.
No. 04Cv
Comprehensive benefits
Employees receive 1,000+ preventive prescriptions, telemedicine, mental health counseling, $150K life insurance, and more — strengthening recruiting in the tri-state area.
[ 02 ]Mechanics
How it works for New Jersey.
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It's designed for W2 employees earning $26,000 or more annually — covering workers across New Jersey's diverse economy including pharmaceuticals, finance, logistics, healthcare, and professional services.
Implementation takes just 2-3 weeks. Our team handles all plan documentation, compliance filings, and employee enrollment. The program works alongside your existing payroll provider and any health insurance plans you already offer.
Employees see no change to their take-home pay while gaining access to comprehensive preventive care benefits. Your company saves on every payroll cycle through reduced federal FICA and New Jersey state payroll tax obligations.
[ End ]
Ready to save on employer payroll taxes?
Schedule a complimentary discovery call. We project your exact savings, walk through compliance, and answer every question.