Founder.
Charley has worked with small business owners for more than 25 years on specialty tax and savings programs, unique business startup projects, insurance and self-funded health plans. He has held life and health insurance licenses since 2000.
Most benefits programs are built around a traditional full-time workforce. Home care does not look like that. Rosters can be large, hours are often irregular, margins are tight, and many caregivers do not work enough hours to qualify for traditional group health plans.
That leaves many owners looking at the same two options: increase wages or add a traditional group plan. Both can add significant new costs to an already tight budget, so too often the conversation ends there.
Unlike many traditional group health plans, participation is not limited to employees working 30 or more hours per week. That makes this structure especially well suited to home care agencies with a mix of full-time and part-time W-2 caregivers.
A top-seven US accounting firm. Wrote the CPA opinion letter on the plan structure.
Darcy Hitesman has practiced ERISA, Section 125 and ACA law for over 35 years and wrote the legal assurance letter.
The plan is structured under IRS Sections 105, 106, 125 and 213(d) and has been reviewed for ERISA and ACA compliance.
Home Care Benefits provides marketing and enrollment support for the Unify Wellness Plan, which is administered by UnifyWell.
Home Care Benefits provides marketing and enrollment support and does not provide legal, tax, accounting or health advice. The Unify Wellness Plan is administered by UnifyWell. Savings figures in any proposal are estimates based on the payroll information provided and are not guaranteed. Federal and state tax laws change. Consult your own CPA or attorney before enrolling.