Save on Payroll Taxes with a Pre-Tax Wellness Benefit Program

*Average FICA savings per employee per year

Learn how PCMPs can reduce FICA costs, offer employees significant benefits, and ensure compliance with all IRS and ACA regulations.

Program Benefits

Lower your payroll tax liability by an average of $600/year per employee with fully deductible wellness benefits.

Give employees better access to wellness services and incentives. Benefits include 24/7 telemedicine, prescriptions, and more.

By combining an IRS Section 125 cafeteria plan with a SIMERP, PCMPs are designed to be fully compliant with all IRS and ACA regulations.

Ficava helps businesses unlock tax savings by offering a compliant, no-cost wellness benefit program to their employees.

Here’s the simple flow:

Employees contribute to the plan through a pre-tax payroll deduction—but their net pay stays the same.
The same amount is reimbursed post-tax, so employees are made whole each pay period.
The employer sees significant FICA tax savings—typically over $600 per employee, per year.
The deducted funds are used to provide real wellness benefits, including preventive care tools, telemedicine, and Rx discounts.
The program is fully compliant with IRS Sections 105, 106, and 213(d) as well as ACA mandates.

With zero net cost to employees, no increase in employer spend, and full compliance built in, it’s a win for HR, Finance, and your workforce.

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