Capstone Plans: Additional Benefits They'll Actually Use, at no Net Cost!
Reward Your Employees with a Capstone Health & Wellness Plan
- Give your Employees access to additional benefits; help reduce their Out of Pocket Medical Costs!
- Reduce Your Employer Payroll Taxes at the same time
- No Net Cost to both the Business and Your Employees
- An existing inforce group health plan is not required.
Does My Business Qualify?
Am I Too Big or Too Small ?
Capstone Plans are designed for businesses that care about retaining and rewarding their employees, and are designed for businesses that have more than 20 - 500+ full time U.S. based employees. (Eligible employees may not be a more than 2% owner of the business and be under 70 years of age.)
Is this benefit "legal" ?
Yes. Capstone Plans have been specifically designed and developed to satisfy the requirements of the IRS guidelines, and are administered under the provisions of the Affordable Care Act and Internal Revenue Code Section 125 and others. This program does not change or replace any existing employee benefit plan(s) but is in addition to what's in place, and a business may have more than one "Section 125 Plan" in force at any time.
How do my employees reduce their out of pocket medical costs ?
Many illnesses, and some injuries, can be diagnosed and successfully treated (with no out-of-pocket outlay) using state-of-the-art telehealth protocols which is just one part of the Capstone Programs. Plan participants save time and money by eliminating the need for many in-office doctor visits or other "services", thus eliminating the usual out of pocket co-pays.
An included Rx benefit provides many of the most commonly prescribed medications at no out of pocket cost; and significant discounts are available on many other drugs.
These cost saving opportunities are provided not just to your employee, but to the rest of their immediate family as well. And, there's no limit to the use of these health and wellness benefits!
How does my business save money?
By implementing a Capstone Plan, the employer/business may realize a reduction in their matching payroll taxes. The details of this savings component is specific to each business, and will be explained in more detail within a personal conversation.
The "average" payroll cost savings - for discussion purposes - can be in excess of $600 per participating employee per calendar year.
How are these plans paid for?
The plans and benefits provided by the Capstone Plans are funded entirely by legal tax savings, resulting in zero net cost to both the employee and the business.
How can I get more detailed information about this opportunity?
Reach out to us through the links below.
Reach out to me at marty@ellnerfinancialnetwork.com when you'd like more information or wish to engage!
Or, schedule a time to talk with me at:
Note that Ellner Financial Network and/or Capstone Plan(s) do not give legal or tax advice. All associates, owners, employees and/or independent contractors partnering with Ellner Financial Network and/or Capstone Plan(s) do not give legal or tax advice. Information shared is for educational and discussion purposes only. You are encouraged to consult with your personal tax and/or legal advisor for advice specific to your situation.
An Additional Benefit for your Employees & Their Families
Download PDFDisclaimer: Ellner Financial Network and/or Capstone Plan(s) do not give legal or tax advice. All associates, owners, employees and/or independent contractors partnering with Ellner Financial Network and/or Capstone Plan(s) do not give legal or tax advice. Information shared is for educational and discussion purposes only. You are encouraged to consult with your personal tax and/or legal advisor for advice specific to your situation.
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