1. Employee Elective, Health and Wellness-Driven, Fully-Insured Indemnity Program to Increase Employee Pay and Generate Tax & Other Savings for the Employer
HR Specialty Products & Services Catalogue Executive Summary
A No Frills Distillation of Vendor’s Marketing Collateral
Thomas A Ference
President & CEO
Human Resources Mining & Distribution Co
Locating, Validating and Accelerating HR  Innovation
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2. Health & Wellness EE and ER Tax Savings Program
Employee health management and wellness programs typically come at cost to the employer
They can also be ineffective in that “unhealthy well” and “chronically ill” employees do not participate at desired levels.
This fully-insured product was developed to both increase health management and wellness program participation and decrease the cost of the healthcare benefits.
It provides fully-insured, indemnity-type benefit payments to and pay increases for, employees who elect to participate.

3. Health & Wellness EE and ER Tax Savings Program
Employees access the program via a user-friendly portal that provides access to a wellness activities menu, health coaches, telemedicine, provider cost and quality information plus Rx price shopping.
The pre-tax nature of the insurance premiums combined with a monthly wellness activities dollar credit provided under the insurance policy combine after all program expenses to produce both:
- an increase in pay for (most) employees which is estimated for each employee at time of program participation election (or not),
-an increase in employer income resulting from corporate FICA tax savings

4. Health & Wellness EE and ER Tax &Cost Savings Program
The benefits to the plan sponsor and employees as documented in a suite of robust management reports can include:
- health management and wellness programs with increased participation levels
- a decrease in the plan sponsor’s healthcare benefits spend
- an increase in employee net pay (taking some pressure off wage increases) and additional tax savings income for the employer

5. Revenue Generating Way to Improve Employee Health
Provide Dollar Motivations for Employees
Engage Employees To Improve Health Conditions
Increase Employee After Tax Incomes
Generate Tax Savings Income for Employer
Reduce Plan Sponsor Health Benefits Spend

6. Employees’ Health Management Process
Use Individualized Assessment to Determine Program Viability
Realize Net Tax Benefit / Pay Increase
Complete HRA -Used for Program Personalization
Pay Monthly Program Insurance Premium
Engage with Wellness & Health Coach, or
Realize Gross Tax Benefit
Perform Eligible Activity
Receive Insured Indemnity Payments*
*Insured indemnity benefit payments = $100/day in hospital (up from 5 up to 31days) , $50
per eligible test (up to 5 per year) and $625/ month program participation

7. ER and EE Tax Savings Via Using an Insured Approach
Employee Tax Savings*
Employer Tax Savings
Income Item
Before
After
Delta
Monthly pay
$4,000
Premium Deduction
(755)
Various Taxes
(872)
(652)
Indemnity
Claim
625
Net Pay
$3,128
$3,218
+ $90
Income
Item
Before
After
Delta
Monthly
Pay
$4,000
Premium
Deduction
(755)
Employer FICA
(306)
(248)
Employer
Fee
(31)
Net Cost
$4,306
$4,279
-$27
* Assumes a $48,000 per year employee and an OH 3.46 % state tax rate

8. Robust Information for Members and Plan Sponsor
Member Portal
Program Reports
TESTIMONIALS
FINANCIAL SUMMARY
ELIGIBILITY
TOTAL PARTICIPANT CONTACTS BY TYPE
REALTIMETELEMED CONSULTS
DNA TESTING
REALTIMECHOICES
REALTIMEWELLNESS
RECENT SCREENING EVENT SUMMARY
PARTICIPANTS IDENTIFIED WITH CHRONIC CONDITIONS
HEALTH RISK ASSESSMENT
HEALTH SCREENING/EARLY CANCER DETECTION BENEFIT
DAILY IN-HOSPITAL INDEMNITY BENEFIT

9. Next Steps
This product/service is contained in the HR Specialty Products & Services Catalogue™
This summary is provided for informational purposes only and is not an offer to sell insurance
Operational level details about this particular service provider can be obtained in conference with the licensed vendor
The HR Mining &Distribution Co. is an independent and contracted representative of the vendor but is not the licensed agent
Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo with the agent
Tom Ference (Chicagoland area) or