Secure Health Benefits
For Your Employees
At No Out Of Pocket
Expense To You
One of the Best Ways to Retain Current Employees
& Recruit New Talent.
Does your company have two or more full time employees and offer ZERO health care benefits?
All W-2 Employees Deserve Benefits!
Are you a full time employee and work for a company that offers ZERO benefits?
GREAT NEWS!!!
Receive you FREE Benefits Proposal today!
Enrollment is FREE! You can offer ACA Health Care Coverage for your employees with NO MONEY OUT OF POCKET EXPENSE!
In addition, receive $639 in annual payroll taxes for each enrolled employee and up to 30% savings on workers compensation.
WE HAVE BEEN ENROLLING COMPANIES LIKE YOURS FOR FREE SINCE 2017
Employees receive thousands of dollars in no cost health care and life insurance benefits
Receive significant reduction on workers comp insurance
Receive payroll tax savings in as little as 45 days.
Enrollment is FREE - No Application or Broker Fees
No need to change any brokers or accountants
No need to change any policies or carriers
No change in payroll procedures
No Credit Checks, No Tax Returns or Banks Statements Required
Offer Employee Benefits
Offer benefits at no net cost and
increase employee retention
Payroll Tax Savings
Lower your payroll taxes and save up to
$639 per full-time W2 employee
Lower Workers Compensation
Receive up to 30% savings on your
workers compensation plan
FAQS
Is this program legal?
100% legal. This is a tax qualified Self-Insured Medical Reimbursement Plan with a wellness focus that uses tax advantage provisions under the Internal Revenue Service codes "Section 125 Cafeteria Plan and codes 105, 106, and 213(d)" and ACA wellness rules.
Is this a new program?
This program has been available since 2013 and is ACA, IRS, ERISA and HIPPA certified.
Is there a cost to the program?
There is no net cost to you or your employees.
Does my type of business qualify?
The only requirement is that you business employees at least 2 full-time W2 employees.
Is there a credit check?
There are no credit checks, no tax returns, bank statements, or P&L’s required to qualify.
Can I cancel the program at any time?
No, because the participant is pre-taxing the wellness program under a Section "125" Cafeteria program, the IRS has certain rules that must be followed such as: participant cannot make any changes to the program until "Open Enrollment" each year unless there is a qualifying event. An IRS approved qualifying event allows the participant to make changes during the plan year that are consistent with the event. AYG Insurance and Financial Services advisor will explain this upon enrollment.
Do I have to make any changes to my business?
The best part is there are no changes to any of your policies, plans, brokers, accountants or payroll procedures.
Can benefits be obtained by my employees spouse's and dependents
Yes, all benefits can be modified to cover spouse and/or dependents.
Do I need to be in business for a certain number of years?
There are no minimum number of years in business required.
Who are we?
AYG Financial is a MWBE USFCR government contractor. We are an insurance broker in Las Vegas, NV, specializing in tax savings and insurance solutions for businesses. AYG is licensed to offer life, health, property & casualty insurance in all 50 states. partners. We have been enrolling businesses in this program since 2017.
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