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Dedicated physicians · At-home labs · Primary care · Integrated urgent care · Chronic condition management · Specialist coordination
Senior Care
Senior Care Pretax Benefits &
FICA Tax Savings
Senior Care
Pretax Benefits &
FICA Tax Savings
Reduce employer FICA payroll taxes across your care roster with an IRS Section 105/125 pretax wellness strategy. Start saving mid-year with zero open enrollment delays while keeping existing health benefits fully intact.
3 Budget Leaks Squeezing Senior Care Margins 3 Leaks Squeezing Senior Care Margins
Built for multi-site Assisted Living, Skilled Nursing, Home Health Care, and Memory Care Operators Built for multi-site Assisted Living, Skilled Nursing, and Memory Care operators managing high caregiver turnover across hourly rosters.
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Mandatory 7.65% match on large hourly CNA and care rosters creates a persistent tax leak that directly erodes facility operating margins.
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Routing routine, minor health visits through primary major medical inflates carrier claims, triggering double-digit annual health insurance rate hikes.
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Constantly recruiting or relying on expensive agency staff burns capital—while simply raising base hourly wages increases your total payroll tax burden.
Verified in senior care
Case studies are proof. This page is the senior care system.
Care That's Included
No surprise bills from your insurance.
$0 copay. $0 deductible
Mental Health Suite
Behavioral Health · Psychiatry · Therapy On-Demand Counseling · Medication management · Primary care coordination
Rx Coverage
$0 copay on a broad list of generics · Covers 95% of top 200 maintenance medications · 70,000+ pharmacy locations
Health Advocacy
Bill Negotiation · Care Navigation · Physician Search · Coverage Review · Rx Assistance
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Dedicated physicians · At-home labs · Primary care · Integrated urgent care · Chronic condition management · Specialist coordination
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Behavioral Health · Psychiatry · Therapy On-Demand Counseling · Medication management · Primary care coordination
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$0 copay on a broad list of generics · Covers 95% of top 200 maintenance medications · 70,000+ pharmacy locations
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Bill Negotiation · Care Navigation · Physician Search · Coverage Review · Rx Assistance
Accident Expense
Covers ER visits, follow-ups, physical therapy, and more after an accident.
Critical Illness
A lump-sum paid to you if you are diagnosed with cancer, a heart attack, stroke, or other covered illness.
Short-Term Disability
Replaces lost income when you cannot work due to injury or illness.
Hospital Indemnity
Cash paid directly to you when you are admitted to a hospital.
Term Life Insurance
Coverage through age 70 for your beneficiaries. Peace of mind that does not cost you a thing.
Whole Life Insurance
Permanent coverage that builds cash value and never expires.
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Covers ER visits, follow-ups, physical therapy, and more after an accident.
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A lump-sum paid to you if you are diagnosed with cancer, a heart attack, stroke, or other covered illness.
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Replaces lost income when you cannot work due to injury or illness.
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Cash paid directly to you when you are admitted to a hospital.
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Coverage through age 70 for your beneficiaries.
Peace of mind that does not cost you a thing.
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Permanent coverage that builds cash value and never expires.
Compliance, Tax Mechanics & Execution
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To prevent tax ambiguity and satisfy ERISA governance requirements, Thrive Benefits Group supports the arrangement through three distinct plan documents.
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Cuts taxable wages subject to 7.65% employer FICA tax. Pre-configured for Paylocity, ADP, Gusto, and Paycor across three automated line items (pretax deduction, reimbursement, admin fee) without manual adjustments.
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Layers cleanly alongside major medical carriers (BCBS, UnitedHealthcare, Aetna, Cigna) and top advisors (Gallagher, Mercer, WTW). Requires zero Broker-of-Record (BOR) changes, keeping current plans and commissions intact.
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Delivers about $50 per participant per month in net employer FICA savings, after fees. Every participant's paycheck is modeled before enrollment and verified in a mock payroll, so net pay is designed to hold steady or rise.
Senior care reading
Further reading from the Senior Care category on the Thrive blog.
Senior Care
Where Employee Tax Savings Go: Senior Care SIMRP Analysis
Analysis of employee tax savings allocations from employer sponsored SIMRP programs across skilled nursing groups.
Read article →
Senior Care
Overcoming “Too Good to Be True” on the Nursing Floor
A skilled nursing staff thought a $0-copay pretax layer was too good to be true. Here’s how peer proof drove enrollment, and $63k in annual employer FICA savings.
Read article →Get a facility-level savings model before renewal
Headcount, FT/PT/PRN mix, and current medical are enough to model employer FICA impact.