How it works

What actually happens, step by step

Payroll Analysis

We review basic anonymized payroll data and calculate the potential payroll tax savings for your agency and employees.

Proposal Review

We walk you through a transparent proposal showing your estimated savings, employee benefits, and how the plan would work for your agency.

Employer Signs Agreement

If you decide to move forward, you sign the agreement and we begin onboarding. There are no setup fees, no capital investment, and the agreement includes a simple 60-day cancellation provision.

Employee Communication

We send clear, compliant communications explaining the new benefits, how to access them, and what employees can expect to see in their paycheck.

Plan Goes Live

Benefits activate. Employees can access benefits for themselves and their families, and the payroll setup handles the appropriate deductions and calculations automatically.

Where the money actually comes from

Employee contributions are made pre-tax, which lowers the taxable wage base used to calculate FICA. That creates payroll tax savings that help fund the benefits.

The plan is designed to run at zero net cost to the agency. Most caregivers see the same or slightly higher take-home pay than before.

Section 125 has been part of the Internal Revenue Code since 1978 and has been used by employers for decades to provide eligible benefits on a pre-tax basis. The Unify Wellness Plan uses that established tax structure to provide additional benefits to caregivers while creating payroll tax savings for the agency. We walk through how a Section 125 wellness plan works for a home care agency in more detail.

Why the usual options can be hard to afford

Most owners have already run these numbers. Here is what they found.

A $2 an hour raise on a 30-hour caregiver is $3,120, plus 7.65 percent employer FICA, so $3,359 per caregiver per year. Across 40 caregivers that is $134,360.

Both a raise and a traditional group plan require the agency to add significant new costs. For many owners, that is where the conversation stops.

Run it on your agency

Move three sliders to see what your agency currently pays in employer payroll taxes, what turnover may be costing you, and the potential payroll tax savings a Section 125 wellness plan could create.

Open the estimator
About thirty seconds. No signup to see your numbers.

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.