Universal Employee Benefits LLC
Partnered with EHP — The Employer's Choice
Recover Hidden FICA Tax Savings. Deliver Real Health Benefits. Zero Net Cost to You.
SIMERP — our Self-Insured Medical Expense Reimbursement Program — is a fully IRS, HIPAA, and ERISA compliant benefits solution that recovers FICA payroll tax overpayments for any U.S. employer with 25 or more W-2 employees. Employers retain an average of $1,000 per enrolled employee annually. Employees gain access to free primary care, urgent care, mental health services, and over 1,000 free prescriptions — all layered on top of existing health plans with zero changes required. No net cost. No disruption. Just results.
What is SIMERP?
SIMERP — the Self-Insured Medical Expense Reimbursement Program — is a Section 105/106 employer-sponsored benefit plan that restructures a portion of employee compensation as tax-exempt medical reimbursements. The result: reduced FICA tax liability for both employer and employee, with no changes to existing health coverage and no out-of-pocket cost to either party.
Significant FICA Tax Savings
By reclassifying eligible compensation as medical reimbursements under IRC §§105, 106, and 125, employers eliminate FICA taxes on that portion — saving an average of $1,000 per enrolled employee per year.
Meaningful Health Benefits
Employees gain access to the Revive Health Platform, covering free primary care, urgent care, mental health counseling, and 1,000+ free prescriptions — at no cost to them.
Zero Net Cost to Employer or Employee
The program is entirely self-funded through recovered FICA tax savings. There are no premiums, no fees, and no changes to payroll or existing benefit structures.
Fully Compliant & Audit-Protected
SIMERP is built on established IRS authority and is fully compliant with IRS, HIPAA, and ERISA regulations. Audit protection services are included at no additional charge.
Who Qualifies?
SIMERP is designed for a broad range of U.S. employers. If your organization meets the following criteria, you may be eligible to begin recovering FICA tax savings immediately.
25+ W-2 Employees
Any for-profit or non-profit U.S. employer with a minimum of 25 active W-2 employees on payroll qualifies for enrollment.
Existing Health Plan in Place
Your organization must have a current group health plan. SIMERP layers on top — no changes to your existing coverage are required.
U.S.-Based Operations
The program is available exclusively to employers operating within the United States and subject to U.S. federal payroll tax obligations.
Willing to Engage Employees
Employers agree to facilitate employee education sessions so that staff can make informed decisions about participation. Average participation rate: 85–90%.
Tangible Benefits for Employers & Employees
SIMERP delivers measurable financial impact for your organization and meaningful health improvements for your team — simultaneously. Here's what you can expect from day one of enrollment.
Average $1,000 Per Employee, Per Year
A company with 100 enrolled employees retains $100,000 annually in recovered FICA tax savings — funds that go directly back into your operating budget, not to the federal government.
85–90% Employee Participation Rate
Our dedicated onboarding and employee education team drives industry-leading participation. Higher enrollment means greater savings for your organization and broader health coverage for your workforce.
Benefits Without Compromise
SIMERP is engineered to integrate invisibly into your existing benefits infrastructure. There are no new insurance products to purchase, no changes to your current health plan, and no administrative burden placed on your HR team.
100% Funded by FICA Tax Recovery
Every dollar of EHP benefit coverage is financed through recovered FICA payroll taxes — taxes your organization was already paying. There is no new line item in your budget.
Stacks on Top of Existing Coverage
SIMERP is additive, not a replacement. Employees keep their current health insurance exactly as-is. The Revive Health Platform benefits are layered on top, expanding their access to care.
Minimal Administrative Lift
Our implementation team handles enrollment, employee education, and ongoing administration. Your HR department's involvement is limited to a brief onboarding period — typically less than two weeks.
Boosts Retention & Morale
Employees who receive expanded health benefits at no personal cost report higher job satisfaction. Organizations using SIMERP see measurable improvements in retention and reduced absenteeism.
The Numbers Speak for Themselves
$1,000 Recovered Per Enrolled Employee, Every Year
For a company with 200 W-2 employees and an 87% participation rate, that's $174,000 returned to your operating budget annually — without cutting benefits, changing vendors, or asking employees to pay a single dollar more. SIMERP doesn't cost your organization money. It recovers money you were already losing.
Real savings. Real benefits. Real compliance.
The Revive Health Platform: What Employees Actually Get
Every enrolled employee and their immediate family members gain access to the Revive Health Platform — a comprehensive suite of healthcare services delivered at zero out-of-pocket cost. This is not a discount card or a limited telemedicine plan. It's full-service preventative and primary care.
Free Primary Care — Unlimited Visits
Employees access board-certified physicians for annual physicals, chronic condition management, preventative screenings, and routine care — with no copays, no deductibles, and no visit limits.
Free Urgent Care — 24/7 Access
When illness or injury strikes outside of business hours, employees connect with licensed providers via telehealth or in-person urgent care centers — avoiding costly ER visits entirely.
Free Mental Health Services
Licensed therapists and counselors are available for individual sessions, couples counseling, and crisis support. Employees receive confidential care with no referral required and no session caps.
1,100+ Free Prescriptions
A formulary of over 1,100 commonly prescribed medications — including generics for blood pressure, diabetes, cholesterol, and more — is available at no cost to enrolled employees and their dependents.
Free Wellness & Lifestyle Coaching
Certified health coaches provide personalized programs for weight management, smoking cessation, stress reduction, and nutrition — helping employees build sustainable healthy habits.
How SIMERP Works: From Enrollment to Savings
Getting started with SIMERP is straightforward. Our team manages the heavy lifting — from compliance setup to employee education — so your HR team can stay focused on what matters most.
Eligibility Review — Week 1
We analyze your current payroll data and employee census to confirm eligibility and project your organization's estimated annual FICA tax savings. No obligation, no cost.
Plan Design & IRS Documentation — Weeks 2–3
Our compliance team structures your SIMERP plan document in accordance with IRC §§105, 106, 125, and 213(d). All legal documentation is prepared and filed on your behalf.
HR Onboarding & System Integration — Week 4
We integrate with your existing payroll and benefits administration systems. Your HR team receives a dedicated implementation specialist and a complete onboarding playbook.
Employee Education & Enrollment — Weeks 4–6
Our team conducts live and virtual enrollment sessions for your workforce, explaining benefits clearly and answering questions. Employees opt in voluntarily — no pressure, no confusion.
Ongoing Administration & Reporting — Month 2 Onward
We handle all ongoing plan administration, compliance monitoring, and annual reporting. You receive quarterly savings summaries and a dedicated account manager for the life of the program.
Ready to Recover What's Yours?
Universal Employee Benefits LLC, in partnership with EHP — The Employer's Choice, has helped hundreds of U.S. employers recover millions in unnecessary FICA tax payments — while delivering world-class health benefits to their teams. Your free discovery call takes 30 minutes and comes with a no-obligation savings projection based on your actual employee census.
Schedule Your Free Discovery Call
In 30 minutes, we'll calculate your organization's exact projected savings, walk you through the enrollment process, and answer every question your HR and finance teams have — at zero cost and zero obligation.
Contact Us Today
📞 447-223-4897
www.universalemployeebenefits.com
Powered by the Industry-Leading EHP & Revive Health Alliance
Request More Information
Take the first step toward recovering your FICA tax savings. Click the link below to securely complete your information request — our team will follow up within one business day.
📋 Fill Out Our Secure Information Request Form
Opens in your browser. The form takes less than 2 minutes to complete.
What to Expect
Once submitted, a Universal Employee Benefits LLC representative will contact you within one business day to discuss your organization's eligibility and provide a no-obligation FICA tax savings projection.
Your Privacy is Protected
All information submitted through this form is encrypted, handled in strict confidence, and will never be shared or sold to third parties.
Powered by the Industry-Leading EHP & Revive Health Alliance
Universal Employee Benefits, LLC is a proud sponsor of the Bob Holmes One Man Volleyball Youth Outreach
Stop Sending Unnecessary Dollars to the IRS — Put $1,000 Per Employee Back Into Your Business.