No. 01Fc
Federal FICA savings
Save $1119–$1186 per W2 employee per year. For a 100-person company, that's over $110,000 annually — helping offset state payroll costs.
[ States ]Washington
Offset high payroll costs.
Save $1119+ per employee per year in FICA taxes — helping offset Washington's PFML, WA Cares Fund, and L&I premiums 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-Cost State
Real relief from mandatory costs.
Washington State has no income tax, but don't let that fool you — employers here face some of the highest payroll-related costs in the country. Paid Family and Medical Leave (PFML) premiums, the WA Cares Fund long-term care tax, Labor & Industries (L&I) workers' compensation premiums, and State Unemployment Insurance all add significant per-employee costs that many employers in other states don't face.
The Preventive Care Benefits Program helps Washington employers fight back by generating $1119–$1186 in annual federal FICA savings per employee. That's real money that helps offset your state-mandated payroll obligations. Employees gain access to telemedicine, 1,000+ preventive prescriptions, $150,000 in life insurance and AD&D coverage, mental health support, and more — without any reduction in take-home pay.
Whether you're in Seattle's tech corridor, the agricultural regions of Eastern Washington, or the manufacturing centers of the Puget Sound, this program gives you a competitive benefits package that actually saves you money on every payroll cycle.
No. 02Wa
Offset PFML, WA Cares, L&I
Washington's PFML, WA Cares Fund, and L&I premiums create some of the nation's highest employer payroll costs. Federal FICA savings provide direct financial relief.
No. 03Ze
No out-of-pocket cost
No premiums, no contributions, no out-of-pocket expenses. Funded through pre-tax payroll restructuring and pays for itself from day one.
No. 04Cv
Comprehensive benefits
Telemedicine, 1,000+ preventive prescriptions, $150K life insurance, AD&D, mental health, dental and vision discounts. Implementation in 2-3 weeks.
[ 02 ]Mechanics
How it works for Washington.
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It covers full-time W2 employees earning $26,000 or more annually — which includes the vast majority of Washington's workforce across technology, healthcare, agriculture, manufacturing, and professional services.
A pre-tax payroll deduction reduces each employee's taxable income, lowering both employer and employee federal FICA obligations. Employees are then reimbursed post-tax for the full deduction amount, so their take-home pay stays exactly the same. In a state where employers already shoulder heavy payroll burdens from PFML, WA Cares, and L&I, this federal savings creates significant relief.
Our team handles all plan documentation, compliance, enrollment, and ongoing administration. There's no disruption to your existing payroll or benefits setup, and you can be up and running in as little as 2-3 weeks.
[ 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.