Enhanced Benefits at No Net Cost

Employee Wellness Benefits (No Net Cost)

Your employees receive valuable wellness coverage while you save on payroll taxes. It's a win-win—enhanced benefits with little to no impact on employee take-home pay.

How Employee Wellness Benefits Work at No Net Cost

The FICA Advantage Program provides employees with valuable wellness benefits without reducing their take-home pay. Here's how it works:

Instead of receiving a portion of wages as taxable income, that same amount is reallocated into pre-tax wellness benefits. Because these benefits are paid before FICA and income taxes are calculated, employees receive the same effective value—but in the form of healthcare benefits rather than taxable wages.

The result? Employees gain access to wellness coverage they didn't have before, while their net paycheck stays virtually the same. There's no payroll deduction, no premium to pay, and no reduction in their overall compensation.

Wellness Coverage

Access to preventive care, telemedicine, and wellness programs that support overall health.

No Payroll Deduction

Benefits are provided through wage reallocation, not additional payroll deductions.

Works With Existing Benefits

Complements your current health insurance—doesn't replace it.

IRS-Compliant Structure

Structured under Section 125 and ACA guidelines for full compliance.

FAQ: Employee Wellness Benefits

Important Note

This information is for general educational purposes. Specific benefits, eligibility, and program details vary by employer. Please consult with your HR department or benefits administrator for information specific to your company's plan.

Employers: Learn How to Offer These Benefits

Provide your employees with valuable wellness coverage while reducing your payroll tax liability. It's a win-win.