SIMERPU RESEARCH · SOURCE RECAP
Frequently Asked Questions
SIMERPU recap and commentary: Mardy Gould
Opened — main text retrieved
Quick recap
Vendor FAQ describes TOTAL Wellness as participatory WIMPER, combining an HRA and level-funded accident/sickness coverage. Claims payroll-tax savings and supplemental services.
SIMERPU’s viewpoint
Safe Harbor’s FAQ illustrates how several coverage and reimbursement components can sit within a single marketed program. SIMERPU would identify the function, cost and administrator of each component before assessing the overall offer. That gives employers a clearer understanding of what is being added for employees.
What this source contributes
The FAQ identifies multiple components within TOTAL Wellness, which helps employers begin separating coverage, reimbursement and service functions.
What remains unanswered
The overall label does not explain each component’s price, governing terms, administrator or relationship to the claimed savings.
Mardy Gould’s take
I would unpack the bundle before judging it. Show the employer each component, who provides it and what the employee receives. Then reconnect those pieces in the payroll illustration. That makes it easier to understand the added benefits and to identify which part of the arrangement needs a more detailed answer.
Questions I would bring to the conversation
1. Which entity administers each component?
2. What does each component cost?
3. Which payment is treated as a medical reimbursement?
Mardy Gould · Co-Founder, SIMERPU →
What would change our assessment?
Component-level documents, fees and responsibilities would make the combined offering more assessable.
Read the original source
The original author and publisher are credited below. Continue to their article, document or source page for the complete context.
Original Author: Safe Harbor (corporate; no individual byline)
Publisher: Safe Harbor
Original Publication Date: Not stated
Read this alongside…
Each connection has a specific purpose. Compare the sources’ facts, positions and publication dates as you read.
20 Questions about Establishing a Health & Wellness Program in the Workplace
The CPA Journal
Source position: Supportive
Compare the FAQ with the broader supportive WIMPER framework.
Read the SIMERPU recap →
26 CFR §1.105-2 — Amounts expended for medical care
eCFR / Office of the Federal Register
Source position: Neutral / explanatory
Examine the reimbursement rules relevant to the HRA component.
Read the SIMERPU recap →
CCA 201622031 — Tax Treatment of Wellness Program Benefits and Employer Reimbursement of Premiums Provided Pre-tax Under a Section 125 Cafeteria Plan
IRS Office of Chief Counsel
Source position: Neutral / explanatory
Keep premium refunds and wellness rewards distinct when reviewing the bundle.
Read the SIMERPU recap →
Keep learning with SIMERPU
Build your understanding with learning resources, the free Professional Roadmap and our approach to reviewing sources.
About this source
Original Updated Date: 2023-06-12 (page metadata)
Source Type: Vendor / adviser marketing or advocacy
Model Discussed: WIMPER (Wellness Integrated Medical Plan Expense Reimbursement)
Position: Promotional
Period: Undated / current reference
Retrieved: October 31, 2026
Research and date notes
No additional retrieval note.
Each record identifies the material retrieved. SIMERPU’s viewpoint and Mardy Gould’s take are editorial commentary; the source-position label describes the original source’s stance. Read the original and its qualifications when evaluating a particular arrangement.
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