Section 125 Cafeteria Plans:
In order for an employer to take deductions from an employee’s paycheck on a pre-tax basis, the employer must have an IRS Section 125 Cafeteria Plan.

The Section 125 Cafeteria Plan is simple and inexpensive to implement. Most insurance carriers will provide the necessary documentation for the employer. The employer must then have the required documentation on each employee, whether they purchase benefits through the employer or not.

Texas Benefit Alliance will conduct open enrollment meetings and visit with all new hires to ensure that the employer has the proper documentation on each employee

Flexible Spending Accounts (FSA):

There are two types of FSA’s.

  1. Unreimbursed Medical: This account allows the employee to save money on a pre-tax basis to pay for medical expenses such as doctor and pharmacy copayments, dental expenses, chiropractic care and other expenses not typically covered by the major medical plan. (click here for further explanation. Maybe link to another page or to the IRS website.)
  2. Dependent Day Care: This account allows the employee to pay their daycare expenses on a pre-tax basis. (same as above).
Health Savings Accounts:
Health Savings Accounts (HSA) allow an employer to move to a higher deductible health plan while simultaneously providing a vehicle that will allow an employee to save money for that higher deductible. Contributions in to the HSA may be provided by the employee, employer, or a combination of the two.
“Hidden Paycheck” Statements:
This statement is intended to let the employee know what he/she really “costs” the company. Many employees think that their cost to their employer is just the amount of their paycheck. The “Hidden Paycheck” statement lists their true cost of employment, such as insurance premiums and other insurance, FICA, uniforms, etc.
Enrollment Services:
Texas Benefit Alliance dedicates itself to assuring that each employee has a full understanding of the benefit package offered to them by their employer. Insurance can be confusing, and sometimes, intimidating. Our task is to make each employee feel comfortable about the insurance decisions they have made.

The regulatory paperwork the employer is required to maintain on each employee is massive. Texas Benefit Alliance can assist you with the benefits portion of that paperwork.