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 York
Tame the highest payroll tax burden.
Reduce your federal FICA and New York state payroll tax obligations — including SDI, SUI, and Paid Family Leave — 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 ]High-Tax State
Compounding savings.
New York employers face a uniquely challenging payroll tax landscape. Between State Disability Insurance (SDI), State Unemployment Insurance (SUI), Paid Family Leave (PFL), and NYC metropolitan commuter taxes, the layers of payroll tax obligations add up quickly — often exceeding what employers pay in other states by a wide margin.
The Preventive Care Benefits Program offers New York 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 York's SDI, SUI, PFL, and metro commuter taxes are calculated on taxable wages — meaning pre-tax deductions can reduce your state and local obligations.
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 — essential relief for New York's high-cost business environment.
No. 04Cv
Comprehensive benefits
Employees receive 1,000+ preventive prescriptions, telemedicine, mental health counseling, $150K life insurance, and more — helping you compete in New York's demanding labor market.
[ 02 ]Mechanics
How it works for New York.
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 York's diverse economy from finance and professional services to healthcare, hospitality, and construction.
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 York 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.