When companies seek to reduce expenses without compromising employee satisfaction, benefits strategies like a Section 125 Plan often take center stage. But what if you could improve your team’s healthcare access and lower your payroll tax burden — all without new costs?

That’s exactly what Life Strong Care’s “Life Flex” plan is designed to do.

By leveraging the Section 125 health plan structure and combining it with two innovative benefit components — the Preventative Care Management Plan (PCMP) and the Self Insured Medical Reimbursement Plan (SIMRP) — Life Flex offers one of the most compliant, benefit-rich, and cost-effective plans available today.

Let’s break it down in simple terms.

What Is a Section 125 Health Plan?

A Section 125 plan, also known as a cafeteria health plan, is a tax-advantaged benefit program defined by the IRS. It allows employees to pay for certain qualified benefits, like health plan premiums or out-of-pocket medical costs, with pre-tax dollars. This reduces their taxable income and, in turn, reduces employer payroll taxes as well.

But here’s the catch: most traditional Section 125 plans are limited in scope. They often require employee contributions or create more complexity for HR and compliance.

That’s where Life Flex changes the game.

How Life Flex Leverages Section 125 to Deliver Real Savings?

Life Flex includes a Section 125 framework, but it goes much further by integrating:

• A Preventative Care Management Plan (PCMP)
  
• A Self Insured Medical Reimbursement Plan (SIMRP)
  

Together, these three elements work in harmony to help employers reduce payroll taxes while improving employee health engagement.

Here’s How the Tax Savings Work:

• Employee contributions to Life Flex are pre-tax, lowering their taxable income.
  
• This reduces the employer’s obligation to pay FICA (Social Security and Medicare) taxes.
  
• On average, employers save $600–800 per employee per year, just from payroll tax reduction.
  

Let’s say your company has 100 W2 employees. Life Flex could save your business $68,000 or more annually — all without affecting your employees’ take-home pay.

Why Life Flex Is Different From a Traditional Cafeteria Health Plan?

It’s important to understand that Life Flex is not just a Section 125 health plan — it leverages the Section 125 structure and enhances it with additional support systems built into PCMP and SIMRP.

These Additional Layers Are What Make Life Flex:

• Fully compliant
  
• Automated and simple to implement
  
• Truly cost-free for employers and employees
  

And that’s not something you’ll find in a typical cafeteria plan.

Key Benefits for Employers

By adopting Life Flex, businesses unlock a powerful combination of financial and cultural advantages:

Payroll Tax Savings

• Save $600–800 per W2 employee annually
  
• That’s $68,000 per 100 employees — just from tax reductions.
  

Zero Out-of-Pocket Cost

• No premiums or unexpected invoices.
  
• No budget approval headaches.
  

Simplified Implementation

• Fast, 30–45 day rollout
  
• Fully managed, fully automated
  

Improved Employee Health Engagement

• Preventative care tools help reduce claims by an average of $1,400 over 3 years
  
• Employees stay healthier, longer
  

Boosted Retention and Performance

• When employees feel supported, they stay longer and perform better
  

Immediate ROI

• Real savings begin as soon as the plan is live

Key Benefits for Employees

Life Flex is designed with employees in mind — to offer them real, useful benefits without impacting their take-home pay.

No Change in Take-Home Pay

• Employee contributions are pre-tax, but benefits offset any reduction
  

$0 Copay for 24/7 Telehealth

• Access to doctors, nurses, and health coaches — anytime, anywhere
  

Comprehensive Mental Health and Counseling Support

• Help for addiction, anxiety, depression, and more
  

Mayo Clinic Wellness Tools

• Personalized dashboards and prevention plans backed by world-class medical research
  

Enhanced Life and Critical Illness Coverage

• Universal Life, Disability, and Critical Illness options
  
• Includes spouse and dependent coverage
  

“More than 30,000 employees are already enrolled in Life Flex.”

Why Life Flex Is the Smarter Option?

Life Flex is more than just a tax-advantaged plan — it’s a culture-building strategy.

Here’s What Makes Life Flex Stand Out:

• Integrated, not piecemeal – Combines three benefit structures into one seamless platform
  
• No additional cost or complexity – Simple onboarding and zero financial risk
  
• Customized and compliant – Designed to fit companies of all sizes, while meeting regulatory requirements
  
• Immediate financial and cultural ROI – Employees feel valued, employers see savings
  

And the best part? It works for companies of all sizes.

Real Impact. Zero Compromise.

At Life Strong Care, we help companies build healthier, more loyal teams — without spending more. We believe benefits should work for everyone: the employer, the employee, and their families.

That’s why Life Flex was created.

This Isn’t a Traditional Section 125 Health Plan. It’s a Next-generation Benefits Platform That:

• Reduces employer payroll taxes
  
• Provides employees with meaningful wellness tools
  
• Supports families and dependents
  
• Strengthens morale and retention
  
• Requires zero out-of-pocket cost
  

Strong teams start with care. And Life Flex is built for exactly that.

Ready to See How Much You Could Save?

Let’s build a benefits plan your employees will actually thank you for — and one that saves you thousands in the process.

Book Your 10-Minute Consultation

Let us show you how much your company could save.

Get a Free Proposal Today

See how Life Flex works for your team — no pressure, no obligation.

Talk with an Expert

Our team is ready to help you roll out a fully compliant, fully managed program in just 30–45 days.

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