The CFO's kit · for employers with 100+ employees
The CFO's Due-Diligence Kit
Everything a CFO, controller or benefits lead needs to pressure-test a Section 125 hospital indemnity program, ours or anyone's, before a single payroll runs.
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.
What's inside
- The 60-second honest summary: what it is, where the savings come from, where the risk is.[36, 58, 61]
- Worked savings model by headcount: 100 to 2,500 employees, at the lowest and highest published premium tiers, before fees.[30, 41, 43]
- Fee break-even math: the most a program fee can be before the employer's FICA savings are gone.[34, 41]
- IRS-line vs. plan compliance checklist: each line the IRS has drawn, what to get in writing, and a box to tick.[58, 60, 62]
- 20 questions for any Section 125 indemnity vendor: use them on Elysian or anyone else.[31, 51, 68]
- Implementation roadmap: the steps from first call to first payroll, and who does what.[45, 46, 54]
- What Elysian shares under NDA, and how to ask for it: audit history, audit-defense documents, the legal memo.[64, 68, 69]
- The full proof library: every claim with its source, quote, date and link.[55]
Why we ask for a work email. The kit has the detailed numbers and the vendor playbook, so we send it to real companies. We email you a link to confirm the address, and the link unlocks the download. No phone number, no sales call unless you ask for one.
Not gated: the federal notice, the risks, the IRS positions and the proof page are all public on this site.