The Pre-Tax PlaybookThe employer's briefing on Section 125 benefits

Savings estimate · employer mode

What could this mean for your company?

A rough, assumption-labeled estimate. It is not a quote and nothing here is guaranteed. A Financial Impact Statement from your actual census replaces every number.[41, 67]

Required federal noticeFixed indemnity insurance

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

  • The payment you get isn't based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn't a substitute for comprehensive health insurance.
  • Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
  • If you have this policy through your job, or a family member's job, contact the employer.

Estimated results

Employees expected to qualify—
Employer FICA rate applied—
Estimated employer FICA reduction / year—
Less program fees / year (as entered)—
Estimated net / year—
Employee take-home, if Elysian's ~$140/mo average held (all qualified employees, per year)—

Estimate only. Not guaranteed. Not tax advice. Assumes claim payments are not treated as wages — the point the IRS disputes.[51, 58]

Get your real numbers

Every assumption, labeled

Input / ruleValue usedWhere it comes from
Qualification rate63% default (editable)Elysian-stated case data: 60–63% (967/1,533); proposal 3,019/3,785.[43]
Weekly wage floorWarning if average < $240/weekElysian-stated screening floor.[43]
Monthly premium$600 default (assumption)Lowest tier on one client's published form.[30]
Employer FICA7.65% if average wage ≤ $184,500; otherwise 1.45%SSA / IRS 2026 rates (simplified: uses the average wage, not each employee).[40]
Program fee$0 default — results shown before feesNo fee figure published; requested from Elysian.[34]
Employee take-home$140 × 12 × qualified employeesElysian-stated average; individual results vary.[37, 38]
Not includedFUTA/state unemployment, CA workers' comp, income-tax effects on the employer sideKept out to stay conservative.[42]
Tax treatmentAssumes claim payments are not wagesElysian's counsel position; the IRS has published a different view for activity-based payments.[33, 58, 60]

Held back from this site

The numbers by headcount, the IRS-line checklist, and 20 questions to ask any vendor.

Work email and company name. We email you a link to confirm it's really you, and the link unlocks the PDF.[41, 58, 69]

The risks are not gated: the federal notice, the IRS positions and every source stay free to read.

Email me the kit