A Charitable Life Wellness
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Newest Wellness Plan!!! Why Wellness? You, as the employer, save tax dollars on your FICA tax You provide benefits to you and your employees with no out-of-pocket cost You financially incentivize a healthier workplace Healthier employees are more productive! Sign up today! 623.451.5181 aclwellness.com
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A Charitable Life Wellness
- 1. …an opportunity to change your life
- 2. Who is (ACL)?… a charitable life is a modern 501(c)3 foundation with the mission to help those in need that are dealing with organ failure by using funds to drive education, donation, and providetravel/medication assistance for expenses that are incurred during the organ donation process for donors, recipients, and their families to help facilitate more transplants. a charitable life was founded by Stephen Preusz. At the age of 29, he was diagnosed with IGA nephropathy,orEnd Stage Renal Failure (Kidney Failure). He began ACL as a way to providefor those enduring the same experiencesand processesthat he went through. a charitable life acts as a regular insurance agency except that a portion of the proceedsearned go to charity.
- 3. a charitable life, Inc. (“ACL”) has developed a new employee benefits plan called The Wellness Transformation (“The WT”), and just like most programs, it saves payroll taxes payable by the employer and, at the same time, can increase supplemental coverage to the employee, with almost no change in pay, while giving the employee Choices… • Choice of what insurance to buy based on their needs • Choice to participate in a participation based wellness program • Choice of supplemental benefits for employees There is no other choice where your benefits can increase, take home pay can increase, and employers can save money necessary to grow their business! Whatis ACLWellness?…
- 4. WhyNow?... • Employers are looking for cost savings to offset increased expenses and stimulate growth in this environmentof regulation and financial turmoil. • Huge cost shifting to employees is now at a critical tipping point. • Medically related bankruptcies are rising at an alarming pace, even when covered by major medical plans. • Health Insurance alone is not getting the job done! • Wellness is the right thing to do!
- 5. The Opportunity If you asked a company owner or employer the following question… “If I could save you an average of $500 per employee per year on your FICA taxes, would you be interested?” …how many do you think would say “YES!”?
- 7. The Opportunity The next question that you may receive is… How is this possible? How does this work? What’s the catch?
- 8. The Opportunity: How it works The employer will sponsor a defined contribution plan and allow the employee to choose their best option. 1
- 9. The Opportunity: How it works Thereafter, each month, the participating employee makes a standardized contribution to his/her WT in an amount pre-set by WT in accordance with rules of the WT. These contributions are deemed to be on a pre-tax basis and excluded from taxable income within the IRS Section 125 Rules. 2
- 10. The Opportunity: How it works The employee’s income subject to payroll taxes is reduced and the WT reduces the payroll tax obligations of the employee and employer. The result is an average savings of $500 per employee annually. 3
- 11. The Opportunity: How it works After the employee makes his pre- set contribution to the WT, he receives the chosen benefit which is in the form of wellness incentives. 4
- 12. The Wellness Transformation Smoking cessation programs Wellness coaching Physicals & Health Risk Assessment Fitness & Nutrition …and more!!!
- 13. The Wellness Transformation The Boss SAVES $$$Benefits
- 14. The Wellness Transformation All of this is accomplished WITHOUT ANY CHANGE TO THE EMPLOYEE’S TAKE HOME PAY
- 15. Why Wellness Transformation? It is the right thing to do! It builds loyalty! It increases attendance and reduces absenteeism! Saves hard and soft dollars! Long term, saves insurance premiums! In the longer term, it saves lives!
- 16. Why Wellness Transformation? Employers: SAVE MONEY ON FICA TAXES!!!
- 17. Why Wellness Transformation? Employees: RECEIVE BENEFITS WITHOUT SEEING A DIFFERENCE IN THEIR TAKE HOME PAY
- 18. Example: ABC, Inc. ABC, Inc. pays John Smith $4,000 per month salary Approx. $3,278 after deductions (Without ACL Wellness Transformation) Pays approximately $306 per month in FICA payroll taxes for John Smith
- 19. Example: ABC, Inc. (With ACL Wellness Transformation) Now pays approximately $251 per month in FICA payroll taxes for John Smith 1 2 Now saves approximately $55 per month or $660 annually 3 Provides approximately $600 annual savings per employee in FICA payroll tax.
- 20. Example: ABC, Inc. (With ACL Wellness Transformation) 1 John now has approx. $730 per month pre- tax incentive for WT participation ABC, Inc. pays John Smith $4,000 per month salary. Approx. $3,278 after deductions 2 After deductionsthe take home pay remains the same & now John has a bank of approx. $150 per month to spend on benefits
- 21. Questions? Contact Info Brian Barden Life Solution Agent brian.barden@outlook.com 623.451.5181
- 22. …an opportunity to change your life