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Clear answers for employers and HR leaders.
It is a structured approach to employee benefits education and communication, utilizing payroll-funded benefit strategies to improve employee value and reduce employer FICA exposure.
No. This program is typically a supplemental preventative care and wellness layer that works alongside or independent of major medical insurance.
No. The program is designed to complement existing benefits without requiring you to change your current broker or health plan.
The program is typically funded through payroll via a Section 125 Cafeteria Plan and a Self-Insured Medical Reimbursement Plan (SIMRP).
Eligible pre-tax employee contributions lower the taxable wage base, which can reduce the employer's matching FICA tax obligations.
No. Employee participation is voluntary. We focus on clear education so employees can make informed decisions.
Eligibility depends on your specific plan design, but typically requires W-2 status and meeting certain hours or tenure requirements.
Compliance is central to the program. Implementation requires proper Section 125 and SIMRP documentation, though employers should always consult their own legal and tax professionals.
Yes. A compliant Section 125 Premium Only Plan (POP) or Cafeteria Plan document is required to allow pre-tax deductions.
A Self-Insured Medical Reimbursement Plan (SIMRP) is a structure that allows employers to reimburse employees for certain eligible medical expenses tax-free.
Implementation typically takes 30-60 days depending on payroll provider coordination, documentation readiness, and employee education schedules.
Your payroll team or provider will need to set up specific pre-tax deduction codes and non-taxable reimbursement codes based on the plan design.
Structur'd Review provides ongoing employee education and support resources to handle questions about the program.
Often, the program can be structured so that employer FICA savings offset the administrative costs, requiring little to no new net budget.
No. Savings depend entirely on employee participation, wage levels, and payroll structure. We model estimated savings during the review process.
The first step is requesting a Structur'd Employer Review to evaluate your payroll structure and employee base.