How Much Can a Business Save with Pre-Tax Employee Benefits?

 

Providing great benefits has never been a better business strategy, but now imagine you could provide even greater benefits, increase employee loyalty, foster a more powerful workplace culture, and save thousands of dollars annually—all at no additional expense to your company?

 

That's what Life Strong Care's Life Flex program enables. Through Section 125 pre tax benefits utilizing an innovative integration of Section 125, a Preventative Care Management Plan (PCMP), and a Self-Insured Medical Reimbursement Plan (SIMRP), Life Flex produces one of today's most compliant and benefit-laden programs.

 

In this article, we'll summarize the actual savings for your company, how Section 125 pre tax plan functions, and why now is the ideal time to have Life Flex for your staff.

 

What Are Section 125 Pre Tax Benefits?

 

Before we get to the savings, let's simplify: Section 125 pre-tax benefits enable employees to use pre-tax dollars to pay for specific qualified expenses—such as health insurance premiums, medical treatment, or dependent care. That is, the money is deducted from their paycheck before federal income taxes, Social Security, and Medicare taxes are levied.

 

Employers save as well, since decreasing taxable wages equals less payroll taxes such as FICA. But Life Flex does a whole lot more than a standard Section 125 pre tax plan by combining other healthcare benefits, compliance management, and automated administration—all for free to you and your employees.

 

How Life Flex Works Differently

 

Life Flex is not merely a Section 125 plan—it incorporates Section 125 but takes it to the next level by packaging:

 

• Preventative Care Management Plan (PCMP): Emphasizes proactive health, lowering future claims and enhancing employee well-being.

 

• Self Insured Medical Reimbursement Plan (SIMRP): Offers extra coverage that further benefits employees without additional expense.

 

• Fully managed, compliant administration: So you don't have to stress about paperwork, audits, or compliance risk.

 

By using these three effective tools together, Life Flex guarantees your business receives the greatest savings and your employees receive genuine, meaningful benefits.

 

How Much Can a Business Really Save?

 

Typically, firms that adopt Life Flex realize savings of some $680 per employee annually—or roughly $68,000 per year for each 100 employees.

 

Where the savings are realized:

 

• Reduced Payroll Taxes: Since employees' wages on which taxes are withheld decrease when they take part in a Section 125 pre tax benefits plan, employers themselves contribute less to FICA taxes.

 

• Fewer Healthcare Claims: Proactive care gives employees healthier behaviors, reduced absences, and fewer healthcare claims, averaging a $1,400-per-worker three-year cost savings.

 

• More Retention and Performance: Superior benefits generate higher satisfaction, resulting in less turnover at a huge expense, increasing productivity.

 

• Short-Term Bottom-Line Benefit: Life Flex can begin producing cost savings within as little as 30–45 days through quick, easy, and automated roll-out.

 

Employer Advantages of Life Flex

 

When you provide Life Flex to your employees, you're not only saving money—you're building a stronger organization as a whole.

 

Here's what you can look forward to:

 

• ~$680/year savings per employee

 

• No out-of-pocket cost to roll out

 

• Quick 30–45 day implementation

 

• Lower healthcare claims

 

• Increased retention, morale, and team performance

 

• Instant positive impact on your bottom line

 

And, you become part of a larger community: Over 30,000 employees nationwide are already participating in Life Flex programs.

 

What's in It for Your Employees?

 

One of the most fantastic features of the Life Flex plan is that your staff gets good quality new benefits at no cutback to take-home pay.

 

This is what your workforce benefits from:

 

• $0 copay 24/7 Telehealth Access (Physicians, Nurses, Health Coaches)

 

• Addiction Recovery, Mental Health and Counseling Services

 

• Mayo Clinic Wellness Resources & Health Dashboard

 

• Universal Disability Insurance, Life, and Critical Illness Benefit

 

• Extended Spouse and Family Member Coverage

 

Life Flex supports employees' physical, financial, and mental well-being, creating stronger, more engaged teams who feel they're really valued.

 

Why Choose Life Strong Care and Life Flex?

 

At Life Strong Care, we know that great teams begin with care. Our goal is to assist businesses in providing strong benefits that build culture and loyalty without cost or complexity.

 

Our Life Flex program makes it simple to:

 

• Create a family-first workplace culture

 

• Make Better Benefits Easy, Fully Managed, and Free

 

• Strengthen employee retention and morale

 

• Enhance your bottom line with wiser benefits

 

• Offer complete preventative care

 

• Stay fully compliant with no added administrative hassle

 

We're here to make better benefits easy, fully managed, and free—because when employees are supported, businesses get stronger.

 

Real Numbers: The Impact of Section 125 Pre Tax Benefits

 

To provide you with an idea of the real numbers involved, here's what you can potentially save annually with Life Flex:

 

Number of Employees	Estimated Annual Savings
50	~$34,000
100	~$68,000
200	~$136,000
500	~$340,000

 

And don't forget, that doesn't even account for the extra savings from lower healthcare claims and turnover expenses!

 

Life Flex Makes Compliance Easy

 

Compliance is one of the biggest issues companies have with benefit plans—and it should be. Tax-favored programs need to be handled correctly to prevent expensive penalties.

 

That's why Life Flex is designed differently:

 

• Complete compliance with IRS rules

 

• Regular monitoring and updates

 

• Automated procedures to eliminate administrative hassle

 

• Employee education and enrollment assistance

 

You enjoy all the benefits of a Section 125 pre tax plan—and more—without the hassles.

 

Final Words: Why Pre-Tax Benefits Are a Win-Win

 

By providing a wiser take on Section 125 pre tax benefits through Life Flex, you can:

 

• Keep money in your business

 

• Deliver tangible value to your workers

 

• Support healthier, happier employees

 

• Make your business stronger in the long run

 

The good news? It's totally free to offer, and your workers' take-home pay remains the same—or even increases.

 

Ready to Find Out How Much You Can Save?

 

Schedule your 10-minute consultation today and learn how Life Strong Care's Life Flex program can revolutionize your business's benefits plan.

 

Speak with an expert now!