New Jersey Employers: Save on Payroll Taxes with Preventive Care Benefits
Reduce your federal FICA and New Jersey state payroll tax obligations — including SDI, FLI, SUI, and Workforce Development — saving $1119+ per employee per year at $0 cost.
Why New Jersey Employers Are Choosing Preventive Care Benefits
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.
Federal FICA Savings
Save $$1119–$$1186 per employee per year in federal FICA taxes through pre-tax SIMRP deductions that reduce your taxable payroll.
State Payroll Tax Advantages
New Jersey's four separate state payroll tax programs — SDI, FLI, SUI, and Workforce Development — are calculated on taxable wages, meaning pre-tax deductions can reduce obligations across all four programs.
$0 Cost Implementation
No premiums, no setup fees, no out-of-pocket expenses. The program pays for itself through tax savings from day one — particularly valuable given New Jersey's already high cost of doing business.
Comprehensive Benefits Package
Employees receive 1,000+ preventive prescriptions, telemedicine, mental health counseling, $150K life insurance, and more — strengthening your ability to attract and retain talent in the tri-state area.
How It Works for New Jersey Employers
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.
Ready to Save on Employer Taxes?
Schedule a complimentary discovery call to see how much your business can save with the Preventive Care Benefits Program.