Stop Renting Over-Priced Benefits
Most corporate benefits layouts in north Louisiana function as a massive cash drain. Business owners are consistently forced to absorb double-digit carrier health insurance increases just to keep their best producers from being headhunted. It feels like a losing battle.
At The Squire Group, we show employers how to stop playing defense. By integrating the Preventative Care Management Program (PCMP) directly into your existing setup, you unlock a major corporate upgrade that protects your cash flow while changing the lifestyle architecture for your employees.
The PCMP Breakaway
We deploy custom Section 125 SIMRP frameworks that turn tax inefficiencies into cash assets. This allows you to stack five massive supplemental insurance layers directly into your team's lifestyle planning.
Five Core Protection Layers Installed Directly
Life Insurance
Securing real legacy certainty for your family units.
Accident Plan
Immediate financial cushions for unexpected physical impacts.
Cancer Coverage
Targeted capital defense when battling major medical diagnoses.
Critical Illness
Lump-sum liquidity to protect personal or business assets during heavy recovery phases.
Disability Plan
Income replacement protection when you're physically unable to log hours.
How the Cash Flow Coordinates
This is not magic math: it's structured tax code utilization. The entire program sets up smoothly through your standard payroll system.
For Your Employees:
Zero Drop in Take-Home Pay.
By restructuring specific health funding vectors pre-tax, employees secure all five supplemental protection blocks along with 24/7 telemedicine, mental health portals, and chronic care tools with no drop in their regular net paycheck.
For the Employer:
Zero Net Cost to Implement.
The program structure triggers massive matched reductions in your matching FICA payroll tax obligations. These major tax savings average hundreds of dollars per employee per year, which fully funds the corporate program structure.
Advanced Business Continuity Vehicles
Beyond specialized retention programs, we lock down independent, high-level corporate security strategies for closely held organizations:
Key Person Capital Protection
If your top executive or head producer walks away unexpectedly, your firm faces an immediate stabilization risk. We structure custom life insurance engines that deliver raw corporate liquidity to offset sudden revenue contractions and bankroll an elite search for talent.
Section 162 Executive Bonus Strategies
Standard flat benefits models won't keep competitive corporate managers from exploring alternative options. We build tax-deductible permanent life vehicles designed around strict vesting schedules, securing your core leadership through tailored golden-handshake structures.