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Group Health Insurance News and Tips

Section 125 is a must.

Posted by: Patrick Reaume in Group health insurance quotes California, Group health insurance online quote, Choosing group health insurance, California small group health insurance on Mar 19, 2009

Wouldn't it be nice to implement a new NO COST program sanctioned by the IRS that would increase the employees' take home pay while reducing the employer's FICA, SUDA, and worker compensation contributions? Employers save about 8% of what their employees contribute for group insurance premiums, not including the reduction in workers compensation premiums. Employee's avoid paying tax on the portion they contribute to health plan monthly premium. This typically represents a 25% savings.

Section 125 is a well-kept secret for a few reasons. Most insurance agents don't understand it, find it too complicated, or don't want to ask their clients for more money.

In order to activate Section 125, employers need the appropriate documentation to be in compliance with the IRS code. You can get this documentation through an administrator for up to $600, or you can get it free by inviting in a sales team such as AFLAC, with the stipulation that you allow them to sell your employees additional products such as term life and cancer insurance. You can also purchase the service through a payroll service. Just be certain you have the necessary paperwork and election forms on file.

Patrick Reaume, CFP, RHU is a California small group health insurance broker based in Redlands, California. He can be reached at 909-747-0280 or at www.reaumebenefits.com

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