An Unexpected Way To Enhance Employee Benefits

There Are Health Benefits, & There Are Life Benefits

Employee Care Plus (ECP) is a unique, extended benefit that covers a wide range of issues affecting quality of life, health and productivity.  With ECP, you can bring something unexpected to the table that helps employers show they care.

An ECP isn’t health insurance, and isn’t meant to cover all expenses*.  It is, however, a useful benefit in times of complication and crisis. It can keep employees happy and engaged at work instead of distracted by personal challenges.

How it works

The maximum benefit amount for an ECP is set by the employer each year, typically from $250 to $1,000 per employee per year. To make budgeting easy and provide services immediately, employers pay a monthly prorated amount that accrues funds in an AHR account. Employees send their bills directly to AHR for payment up to the maximum yearly benefit amount. Excess funds, if any, are returned to the employer at the end of the year, or may roll over to cover benefits in the next year. ECP benefits are tax deductible to the employer, and tax free to the employee.

The AHR fee is extremely reasonable, and agents set their own commission,  per employee per month. AHR bills the employer accordingly. ECP is available for current employees, and terminates when an employee leaves the company (ECP is COBRA-exempt).

What can be covered

  • Counseling: financial, family, personal
  • Legal & attorney fees such as for identity theft, family matters, etc.
  • Substance abuse counseling
  • Wellness evaluations and counseling
  • Weight Reduction
  • Smoking Cessation
  • Vision
  • Dental
  • Flu Shots
  • Preventive care not covered by insurance
  • Urgent or unanticipated medical expenses due to injury or illness
  • Includes coverage for healthcare ‘concierge’ services

There are healthcare benefits, and then there are life benefits.  Introduce your clients to Employee Care Plus to help them deal with life’s surprises. 

*Routine medical care is specifically excluded.

Who is covered?

Determined by the employer.  It may be employee-only, or include spouses and children. 

What about taxes?

ECP benefits are tax deductible to the employer, and tax free to the employee.

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