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EMPLOYER PAYROLL TAX SAVINGS

SIMERP Program for Employer Payroll Tax Savings

Your company pays employer payroll taxes every time payroll runs. But without the right benefit structure, you may be missing an opportunity to reduce part of that recurring expense while giving participating employees an additional wellness benefit. The SIMERP Program combines potential employer payroll tax savings with a supplemental medical wellness benefit for employees. It sits on top of your company’s existing health insurance, so you do not have to replace your current health plan or change insurance providers to explore the opportunity.

Potentially Save Up to $640 Per Participating Employee Annually

Employer payroll tax savings

Reduce workers' comp premiums

Increase Employees' Take-Home Pay

Up to $640 in potential annual savings per participating employee

Supplemental wellness benefits for employees

No need to replace existing health insurance plan

Discover My Potential Savings

Your company may already have the workforce and payroll needed to benefit.

See What Your Company May Be Missing

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    Up to $640

    Potential Annual Employer Savings Per Participating Employee

    Keep Your Current Health Insurance

    The supplemental wellness program sits on top of your existing health plan.

    Employer and Employee Value

    Potential payroll tax savings for the employer and additional wellness benefits and increase in take home pay for participating employees.

    Your Payroll May Contain a Savings Opportunity You Have Never Been Shown

    Payroll taxes are a recurring cost. They appear every time payroll runs, month after month and year after year. Most employers accept the entire expense as unavoidable. They continue paying without knowing that a properly structured employee wellness program may create an opportunity for employer payroll tax savings. That means the company may be missing money through an expense it is already paying. The larger the participating workforce, the more meaningful the opportunity may become. But until the employer learns about the program, the savings remain invisible.

    You already have the employees. You already run the payroll. You may be missing the program that turns part of that recurring expense into an opportunity.
    Find Out What My Company Could Be Missing

    What Is the SIMERP Program?

    SIMERP stands for Self-Insured Medical Expense Reimbursement Plan. SIMRP is also commonly used for Self-Insured Medical Reimbursement Plan. The SIMERP Program combines a supplemental medical wellness benefit for participating employees with the potential for employer payroll tax savings. It is designed to add value on top of the company’s existing health insurance. Employers do not have to abandon their current health insurance program simply to explore SIMERP.

    SIMERP

    Self-Insured Medical Expense Reimbursement Plan

    A supplemental employee wellness program with the potential to create employer payroll tax savings.

    The program introduces an additional opportunity without asking the employer to start over with an entirely new health insurance arrangement.

    Keep Your Health Insurance. Add the SIMERP Wellness Program on Top.

    One of the biggest concerns employers have when considering a new employee benefit is whether they will need to replace their current health insurance. With the Incenta Plus SIMERP Program, the answer is no. The SIMERP wellness program sits on top of the company’s existing health insurance program. It is a supplemental benefit—not a replacement for the employer’s current health plan.

    Prominent Checklist

    Explore employer payroll tax savings

    Reduce workers' comp Premiums

    Keep your existing health insurance

    Add a supplemental wellness benefit

    No health insurance replacement. No need to discard the coverage your company already has. The SIMERP Program adds a new opportunity on top of it.

    Learn How SIMERP Fits With Existing Insurance

    Why Would an Employer Ignore an Opportunity Already Connected to Payroll?

    Every employer looks for ways to control expenses, protect margins and offer competitive benefits. Yet many businesses focus on cutting visible costs while overlooking the recurring expenses already embedded inside payroll. The SIMERP Program deserves attention because it may address two business priorities at the same time:

    Reduces employer payroll tax expenses

    Provide participating employees with additional wellness benefits and increase take-home pay

    This is not another expense added to the company’s budget. It is an opportunity to examine whether existing payroll dollars can create greater value for the business and its employees.

    What the SIMERP Program May Mean for Employers

    Potential Payroll Tax Savings

    Qualifying employers may reduce certain payroll-tax expenses associated with participating employees.

    Up to $640 Per Participant

    The program may create up to $640 in potential annual employer savings per participating employee, depending on the company’s circumstances and program structure.

    Savings That Grow With Participation

    As employee participation increases, the employer’s total potential savings may also increase.

    More Value From Payroll

    The program may create additional financial value from payroll expenses the company is already incurring.

    An Additional Employee Benefit

    The company can introduce a supplemental wellness benefit without replacing its existing health insurance program.

    A Stronger Benefits Story

    An additional wellness benefit may make the company’s overall employee-benefit package more valuable and competitive.

    A Program That Creates Value Beyond the Employer’s Savings

    The SIMERP Program is also designed to provide participating employees with access to a supplemental medical wellness benefit. Depending on eligibility and the program terms, participating employees may receive additional value connected to qualified medical and wellness needs.

    Prominent Checklist

    Supplemental medical wellness benefits

    1,000+ free maintenance medications

    Free urgent medications and discounts on other prescriptions

    24/7 virtual urgent care with U.S.-trained, board-certified physicians

    Virtual primary care and mental-health support

    The employer may gain a payroll savings opportunity while employees gain an additional wellness benefit on top of their existing health insurance.

    What Happens When an Employer Never Explores SIMERP?

    The company continues running payroll. Employer payroll taxes continue being paid. The existing health insurance remains in place. But the additional wellness benefit and potential payroll savings opportunity may remain unused. The cost is not only what the company spends. It may also be the savings and employee value the company never captures. Callout Every payroll cycle without the program may represent another missed opportunity.
    Stop Missing the Opportunity

    Could the SIMERP Program Be Right for Your Company?

    The program may be worth exploring if your business:

    Employs more than 10 W-2 workers

    Pays recurring employer payroll taxes

    Already offers health insurance

    Wants to add an employee wellness benefit

    Wants to explore employer FICA tax savings

    Has an established or growing workforce

    Wants to create more value from existing payroll expenses

    Is looking for benefits that support employees and the business

    I'd Like to Explore My Options

    A Potential Opportunity for Workforce-Driven Businesses

    Restaurants

    Restaurants

    Hospitality

    Hospitality

    Staffing Agencies

    Staffing Agencies

    Warehousing

    Warehousing

    Manufacturing

    Manufacturing

    Transportation

    Logistics

    Last-Mile Delivery

    Healthcare

    Senior Care

    Dental Practices

    Medical Practices

    Construction

    Retail

    Franchise Operations

    Call Centers

    One Program. Two Powerful Advantages.

    For the Employer

    Payroll tax savings

    Up to $640 in potential annual savings per participating employee

    Reduction in workers' comp premiums

    Savings potential that grow with employee participation

    No replacement of existing health insurance

    For Participating Employees

    Increase in take-home pay

    1,000+ free maintenance medications

    Supplemental medical wellness benefits

    Free urgent medications and discounts on other prescriptions

    24/7 virtual urgent care with U.S.-trained, board-certified physicians

    Keep the health insurance you already have. Add a program that may create new value for the company and its employees.

    Risk-Free, High Reward!

    Your Company May Already Have Everything It Needs Except the Program

    The SIMERP Program may add a supplemental wellness benefit on top of what you already have while creating potential employer payroll tax savings. Do not replace your health insurance. Do not give up the coverage your employees already use. Find out whether your company can add the SIMERP Program and begin capturing an opportunity it may currently be missing.
    Discover My Potential Savings

    SIMERP Program Frequently Asked Questions

    A SIMERP Program is a Self-Insured Medical Expense Reimbursement Plan. It combines a supplemental medical wellness benefit with the potential for employer payroll tax savings.
    No. The Incenta Plus SIMERP Program sits on top of the company’s existing health insurance. It is a supplemental wellness program, not a replacement for the company’s current health plan.
    No. The company does not need to change its health insurance provider simply to add the SIMERP Program. The supplemental wellness program is designed to work on top of the existing health insurance arrangement.
    No. The SIMERP Program does not require employees to give up their existing health insurance. It adds a supplemental wellness benefit on top of their current coverage.
    Potential employer savings may reach up to $640 annually per participating employee. Actual savings depend on eligibility, participation, payroll information, program structure and the employer’s circumstances.
    The $640 figure represents a potential employer payroll tax savings estimate per participating employee. It does not necessarily represent the complete value of all employer and employee benefits associated with the program.
    Participating employees may receive access to a supplemental medical wellness benefit in addition to their existing health insurance.
    The value of the opportunity depends on the employer’s workforce and participation. Companies with larger participating workforces may produce greater aggregate savings, but each employer should explore the program based on its own circumstances.
    Complete the five-field form or contact Incenta Plus to learn more about the SIMERP Program.
    Visit the dedicated SIMERP FAQ page for additional information about program requirements, compliance considerations and common employer questions.