Boost Employee Benefits. Cut Payroll Costs. The Win-Win Solution.

AllBenLifeLTC offers a revolutionary employee benefits strategy

that increases employee take-home pay AND reduces your company's FICA taxes.

It's a game-changer for retention and your bottom line.

The Problem & Your Solution

AllBenLifeLTC leverages an innovative, fully insured Section 125 indemnity plan to create a powerful financial advantage.

The Modern Employer's Dilemma:

Rising Costs vs. Employee Retention

In today's competitive market, attracting and retaining top talent demands exceptional benefits – but rising costs make it tough

.

Fact 78% of employees would switch jobs for better benefits.

Every payroll cycle, you're hit with significant FICA taxes, directly impacting your profitability.

What if you could enhance your benefits package, boost employee pay, and save your company money? You can.

It's not a cost; it's an investment that pays returns to your business and your people.

How Your Company and Employees Both Win

  • Strategic Pre-Tax Premiums: Employees elect valuable supplemental benefits (life, critical illness, indemnity health) with premiums deducted pre-taxHere's some stuff

  • Dual Tax Savings: This lowers taxable income for employees (increasing take-home pay) and reduces your company's FICA tax liability (boosting profits).

  • Enhanced Employee Wellness & Pay: Employees receive proactive WellCare payouts from the plan, often resulting in a net increase in their paycheck – plus comprehensive protection.

Our Tools Your Solution

The Everyday Health & Expense Offset Solution

The Zero-Cost Benefits That Boost Take-Home Pay

On average, businesses save $600-$900 per employee annually in FICA taxes through our program.Key Features/How it Works:

  • Strategic Pre-Tax Plan : Utilizes a Section 125 compliant, fully-insured indemnity plan.

  • Proactive WellCare Payments : Employees receive direct cash payouts for routine wellness activities and common medical expenses (e.g., doctor visits, screenings, prescriptions).

  • Net Take-Home Pay Increase : For most employees, the tax savings generated by the pre-tax deduction exceeds the net cost of the plan, resulting in a measurable increase in their take-home pay.

  • Reduces Medical Financial Strain : Helps offset out-of-pocket costs for common medical needs, acting as a valuable supplement to high-deductible health plans.

  • Employer FICA Savings : Simultaneously reduces your company's FICA tax liability, turning benefits into a profit center.

  • Employee Benefit : This isn't just a benefit; it's a financial uplift. Employees get valuable health support and more money in their pocket.

  • Employer Benefit : A powerful tool for retention, offering a tangible financial incentive that costs your company nothing, and often pays you back.

Long-Term Security & Life Protection Solutions

Secure Futures: Life, Critical Illness & Long-Term Care

An unexpected illness or injury could drain savings for 67% of working families.

Key Features/How it Works:

  • Whole Life Insurance : Guaranteed protection and potential cash value growth for employees and their families.

  • Critical Illness Coverage : Provides a lump-sum cash payment upon diagnosis of a covered critical illness, offering crucial financial relief during challenging times.

  • Disability Income Insurance : Replaces a portion of income if an employee is unable to work due to illness or injury, ensuring financial stability.

  • Long-Term Care (LTC) Riders/Benefits : Provides financial support for long-term care needs (e.g., in-home care, nursing home), safeguarding assets and ensuring dignified care in later life.

  • Flexible & Customizable : Designed to be integrated seamlessly with your existing benefits, offering flexibility to meet diverse employee needs.

  • Employee Benefit : Beyond immediate needs, these plans build a robust safety net, protecting employees and their loved ones against life's most significant financial shocks and planning for a secure future

  • Employer Benefit : Demonstrate a deeper commitment to employee well-being and long-term security, further strengthening loyalty and peace of mind within your workforce.

Our Strategy is an Ideal Fit If Your Company Values...