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What is the Preventative Care Management Program (PCMP)?
The Preventative Care Management Program (PCMP) is a powerful, cost-neutral way for businesses to offer richer employee benefits while reducing payroll tax liabilities.
Through PCMP, employers allocate pre-tax dollars into a Benefit Bank for each eligible employee. This Benefit Bank can be used toward everyday medical expenses and valuable insurance products like cancer coverage, critical illness protection, disability insurance, and life insurance — with no change to employees’ take-home pay. This program operates fully within IRS guidelines, including Sections 105, 104(a)(3), and 213(d). |
Who is Eligible?
- Any employer with more than 6 full-time W-2 employees qualifies to offer the PCMP.
- Designed for privately held businesses seeking smarter ways to attract and retain talent without adding expenses.
How PCMP Helps
For Employers:
- Save up to $550 per employee annually in payroll taxes
- Offer better, more meaningful benefits with no increase to expenses
- Boost recruiting and employee retention
- Fully compliant with IRS guidelines
- Strengthen your business without increasing your budget
For Employees:
- Access a Benefit Bank to fund supplemental insurance and healthcare expenses
- Protect against unexpected medical costs with tax-free reimbursements
- Coverage options for cancer, critical illness, disability, and life insurance
- Lower healthcare costs without touching their take-home pay
- Greater financial security and peace of mind
Benefit Bank = Greater Protection for Employees
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Each employee receives a personalized Benefit Bank allocation.
Funds can be used toward:
All with no reduction to their paycheck. |
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Real World Financial Impact
Example:
A company with 20 full-time employees could save up to $11,000 per year in payroll tax savings — while providing stronger, tax-free benefits to every employee.
(20 employees × $550 savings = $11,000/year)
A company with 20 full-time employees could save up to $11,000 per year in payroll tax savings — while providing stronger, tax-free benefits to every employee.
(20 employees × $550 savings = $11,000/year)
Why Now?
Employee benefits aren't just nice to have — they're a competitive advantage.
The Preventative Care Management Program lets you lead — not react — while protecting your employees and your bottom line.
- 4 out of 5 employees say better benefits would make them stay longer at their company
- Recruiting and retention costs are at an all-time high
- Offering stronger benefits with no new out-of-pocket costs is a rare advantage
The Preventative Care Management Program lets you lead — not react — while protecting your employees and your bottom line.