Spoke 05 · Tax-qualified wellness
Healthier employees. A healthier P&L.
Forge advises on a tax-qualified wellness program delivered through Engage Wellness. It adds real care for employees and their families, and is built for FICA tax savings and claims reduction.
A wellness plan people actually use.
Every feature below comes with the Engage Wellness plan. Direct primary care is optional where available.
Telemedicine
State-licensed, credentialed doctors by phone or video for non-emergency illness and general care, for members and their families.
Mental wellness
Powered by S4K Connects: licensed counselors by video or phone, including 3 therapy sessions, plus a 24/7 “In the Moment” support line with connection to 988 if needed.
Direct primary care
Optional where available: urgent and primary care visits for $10 per visit. Additional charges may apply.
Vision, dental & hearing savings
Member discounts on eye exams and eyewear, dental procedures and hearing aids through national networks.
DirectLabs
Discounted blood chemistry and wellness lab tests at certified labs nationwide.
Homelink medical equipment
Member savings on durable medical equipment and services, from glucometers to wheelchairs.
ERISA plan documents via BEN-X
Plan Document and Summary Plan Description preparation, required forms and disclosure guidance, handled for every participating employer.
Quarterly wellness activity
To stay compliant, each participant completes at least one wellness activity per quarter, such as a doctor or telemedicine visit or a health risk assessment. The Personal Health Dashboard tracks it and sends reminders.
Read it like a ledger: one employee, one month.
An illustrative example from Engage Wellness for an employee earning $4,000 a month. The plan deduction lowers taxable income, which lowers the employer’s FICA match.
Employer, per employee
Married- Monthly salary$4,000.00
- Sec. 125 deduction−$1,460.00
- New taxable income$2,540.00
- Employer FICA, standard$306.00
- Employer FICA with Engage$194.31
- Monthly FICA savings$111.69
- Wellness dashboard−$41.00
- Net monthly savings$70.69
Employer, per employee
Single- Monthly salary$4,000.00
- Sec. 125 deduction−$1,040.00
- New taxable income$2,960.00
- Employer FICA, standard$306.00
- Employer FICA with Engage$226.44
- Monthly FICA savings$79.56
- Wellness dashboard−$41.00
- Net monthly savings$38.56
Employee paycheck
Married example- Monthly salary$4,000.00
- Standard take-home$3,246.90
- Take-home with Engage$3,431.75
Illustrative example from Engage Wellness. Results vary by work state, withholding status, pre-tax deductions and other factors. Not tax advice.
According to Engage Wellness, the plan is a Self-Insured Medical Expense Reimbursement Plan paired with a Section 125 cafeteria plan and an ACA-compliant medical plan, with ERISA plan documents provided via BEN-X.
Three short videos, three audiences.
From Engage Wellness. More on LinkedIn ↗
For CFOs
The CFO overview
For employers
The employer solution
For employees
The employee experience
Five steps, overseen end to end.
Engage oversees the process so each step goes smoothly and meets compliance requirements. Presentations and enrollment are available virtually.
- 1
Census
Complete and return the employee census.
- 2
Review & finalize
Review final numbers; sign the Client Master Agreement and Cafeteria Plan documents.
- 3
Employee presentation
A presentation to all employees, on-site or virtual.
- 4
Enrollment
On-site or by phone, often right after the presentation.
- 5
Payroll
A session with your payroll team on processing before launch.
Ongoing support: notify Engage of employment or payroll changes, and they help with anything you need once the plan is in place.
Set up your company’s wellness plan in a few minutes.
Five short steps, entirely online. Save your progress and come back anytime. Once you finish, the Engage team schedules your employee presentation and payroll setup.
- Basic company and contact details
- Information about your owners and payroll team
- A digital signature to wrap it up
Opens Forge’s secure onboarding, powered by Engage Wellness, in a new tab.
- 1Welcome
- 2Company
- 3People
- 4Payroll
- 5Sign
Step 1 of 5
Welcome to the Forge Benefits wellness program setup, powered by Engage Wellness.
This onboarding guides you through setting up your business. It should only take a few minutes, and you can save your progress and return anytime.
NextWhat employers say.
“We absolutely love working with Engage Wellness! Their program has made a real difference for our team—our employees feel healthier, more supported, and more motivated at work. The setup is simple, the reporting is easy, and the team at Engage is always there when we need them. It’s one of the best benefits we’ve added for our staff!”
“Engage Wellness has been such a great addition to our workplace! In retail, it’s easy for stress to build up, but this program has helped our team feel more balanced, energized, and appreciated. The process is simple, the support is amazing, and our employees love the wellness benefits. We’re so glad we partnered with Engage Wellness!”
“Engage Wellness has been an excellent addition to our organization. The program improved employee engagement, reduced absenteeism, and provided measurable tax savings that more than justified the investment. Implementation was efficient, communication was clear, and the ongoing support has been outstanding.”
“Everything is set up into a simple monthly report and any adjustments to be made take no longer than a few minutes to complete which I couldn’t be more thankful for! Engage Wellness is a team, and they have made me feel that I am a part of it.”
Customer reviews published by Engage Wellness.
Engaged Giving
Enrolling is also giving.
A portion of Engage Wellness profits goes to the Engaged Giving Foundation, which helps provide homes to Gold Star families and families of fallen first responders through the Stephen Siller Tunnel to Towers Foundation.
Ready to see what wellness would do for your company?
Enroll directly with Engage Wellness, or talk it through with a Forge advisor first.