Better benefits. Lower costs. No catch.
Live Well 360 reduces your payroll taxes while giving employees enhanced benefits at no additional cost to them. Tax savings fund the entire program. No out-of-pocket investment required.
How the program funds itself.
Live Well 360 uses a Self-Insured Medical Reimbursement Plan (SIMRP) combined with Section 125 provisions to create tax savings that fund the entire program.
Pre-Tax Premium
Wellness premium is deducted pre-tax from employee paychecks, reducing taxable income for both employee and employer.
Tax Savings Generated
Lower taxable income means both you and your employees pay less in FICA and income taxes. These savings cover the program cost.
SIMRP Reimbursement
The premium is reimbursed to employees through the SIMRP account. Net result: same or higher take-home pay, plus new benefits.
Tax savings by employee and employer more than cover the administrative fee. Most employees see additional funds in their paycheck.
Savings that start immediately.
No waiting for ROI. FICA tax reduction kicks in with the first payroll. The program pays for itself from day one.
Immediate FICA Savings
Reduce your payroll tax burden starting day one. The savings fund the entire program with no out-of-pocket cost.
Lower Absenteeism
Preventive care and wellness resources mean fewer sick days and more consistent productivity.
Competitive Edge in Hiring
Offer benefits that stand out. Better coverage helps you win the talent you need.
Higher Retention Rates
Employees who feel supported stay longer. Enhanced benefits signal you invest in your people.
No investment. No complexity. Just results.
The tax savings fund everything. Your HR team stays focused on what matters. Your employees get benefits they actually want. That is the whole story.
- Reduce FICA taxes starting the first pay period
- No cash outlay or upfront investment required
- Enhanced benefits that attract and retain talent
- Turnkey implementation with minimal HR involvement
- Employees get more coverage without reducing take-home pay
- Ongoing administration and compliance handled for you
Administration that handles itself.
We do the heavy lifting. You get the dashboard, the reports, and the support. No extra work for your team.
Clear Reporting
See enrollment, utilization, and savings at a glance. No digging through spreadsheets.
IRS Compliance Built In
Our program design is compliant from the start. We handle the details so you do not have to.
Dedicated Account Team
Questions answered. Problems solved. A real team, not a ticket queue.
Works at Any Scale
Whether you have 50 employees or 5,000, the experience stays simple.
Live in weeks, not months.
Fast implementation means you see savings sooner. We guide every step so your team stays focused on running the business.
Quick Analysis
We review your current benefits and show you exactly what savings look like for your organization.
Plan Design
Customize coverage options that work for your team. No cookie-cutter solutions.
Seamless Rollout
We handle employee communication and enrollment. Minimal lift from your HR team.
Hands-Off Administration
We manage the day-to-day. You see the savings and the smiles.
Questions from employers
Straight answers about how the program works, what it costs, and what to expect.
See your savings in 15 minutes.
We will run the numbers for your organization. No commitment, no pressure. Just clarity.
No credit card required. Start in minutes.