Unlock Hidden Savings and Boost Employee Wellbeing with Capstone Plus

Unlock Hidden Savings and Boost Employee Wellbeing with Capstone Plus

Imagine offering your employees enhanced health benefits and life insurance, all while saving money for your company. That's the power of Capstone Plus by CBI. This innovative program leverages existing tax savings to provide significant benefits at no net cost to employers or employees, improving your bottom line and fostering a healthier, more engaged workforce.

Here's how Capstone Plus delivers tangible results:

• No Out-of-Pocket Costs: Employees receive 15 additional health and wellness benefits and guaranteed issue life insurance (up to $100K) without any direct cost.
• Significant Savings: Employers see an average of $600 per employee per year in net savings, directly impacting EBITDA.
• Enhanced Benefits, Reduced Costs: Existing healthcare plans may see reduced utilization, allowing for potential premium negotiations.
• MEC Compliance: Avoid penalties and fees with a fully compliant program, even without an existing group health plan.
• Improved Employee Retention: Attract top talent and reduce turnover with a robust benefits package.
• Proactive Healthcare: Move from reactive to proactive care with a program focused on employee wellbeing.
• Audit Protection: Gain peace of mind with exclusive three-year IRS audit protection.

COMPLETE THE BRIEF QUESTIONNAIRE HERE to learn more.

AGENT: MARSHALL ROSARIO | marshallrosario@gmail.com

What Makes Capstone Plus Different?

Capstone Plus isn't just another benefits package. It's a strategic solution that utilizes federal tax savings under the Affordable Care Act (ACA) and IRS Section 125 to deliver exceptional value. Unlike traditional reactive healthcare models, Capstone Plus empowers employees to take control of their health.

Key differentiators include:

• Expert Broker Team: Backed by CBI's extensive experience and $3.6 billion in annual premium flow.
• Comprehensive Support: Access to TPA expertise, ERISA knowledge, attorneys, and accountants.
• Flexible Implementation: Implement at any time, outside traditional open enrollment periods.
• Amaze App Technology: Drive engagement and utilization with a HIPAA-compliant personalized app.
• Indemnification Option: Added security with coverage against potential IRS audits.

How Capstone Plus Works: A Simple Breakdown

For Employees:

• Pre-tax deductions reduce taxable income, leading to tax savings.
• Recurring medical expense reimbursements increase take-home pay.
• Tax savings can be used for MassMutual Guaranteed Issue Life Insurance.
• Essentially, employees either increase their take home pay, or get the same take home pay with added life insurance.

For Employers:

• Reduced payroll taxes (Social Security and Medicare) generate savings.
• A fixed monthly fee is offset by tax savings, resulting in net savings.
• Minimal HR burden and no disruption to existing benefits.
• Improved employee morale and retention.

Example Savings:

• Employers save approximately $90 per employee per month in matching FICA taxes.
• The program costs $40 per employee per month.
• Net savings: $50 per employee per month, or $600 per employee per year.

In essence, Capstone Plus is a win-win. Your employees gain valuable benefits and life insurance, while your company sees a reduction in payroll costs and improved employee satisfaction.

For Smaller Businesses:

CBI also offers the Vital 110 program for smaller businesses, ensuring that companies of all sizes can benefit. CBI will qualify the client and introduce the appropriate program.

Ready to transform your benefits strategy?

COMPLETE THE BRIEF QUESTIONNAIRE HERE to learn more.

AGENT: MARSHALL ROSARIO | marshallrosario@gmail.com