SIMERPU RESEARCH · SOURCE RECAP
Preventive Care Benefits Plan: Lower Employer Payroll Tax
SIMERPU recap and commentary: Mardy Gould
Opened — main text retrieved
Quick recap
Tax-adviser sales article describes pre-tax deductions followed by reimbursements restoring net pay. Promotes an IG Business Advisors program and argues it differs from criticized fixed-indemnity schemes.
SIMERPU’s viewpoint
The adviser’s article presents a payroll-reimbursement structure and argues that it differs from criticized fixed-indemnity schemes. SIMERPU would examine that comparison through the actual funding, expenses and payment conditions. The benefit package and the claimed distinction both deserve a clear, program-specific explanation.
What this source contributes
The article states a claimed distinction from criticized fixed-indemnity designs and identifies a specific promoted program.
What remains unanswered
The comparison requires the actual funding, employee expenses and payment conditions rather than the distinction’s assertion alone.
Mardy Gould’s take
I would ask the adviser to demonstrate the difference using the actual proposal. Show what the employee receives, what expense is incurred and why the payment follows. That gives the employer a fair way to evaluate the argument while also understanding the benefit package and the responsibilities involved in implementation.
Questions I would bring to the conversation
1. Which facts distinguish the proposed program from the criticized examples?
2. What expense and entitlement support the reimbursement?
3. How do the actual documents match the adviser’s explanation?
Mardy Gould · Co-Founder, SIMERPU →
What would change our assessment?
A documented factual comparison and a reasoned response to the primary authorities would strengthen the claimed distinction.
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: Sabih Shafi, E.A.
Publisher: All State Tax Resolution
Original Publication Date: 2026-08-14
Read this alongside…
Each connection has a specific purpose. Compare the sources’ facts, positions and publication dates as you read.
CCA 202323006 — Tax Treatment of Employer-Funded, Insured, Fixed-Indemnity Wellness Policy
IRS Office of Chief Counsel
Source position: Neutral / explanatory
Compare the proposed program with the IRS’s actual fixed-indemnity example.
Read the SIMERPU recap →
26 CFR §1.105-2 — Amounts expended for medical care
eCFR / Office of the Federal Register
Source position: Neutral / explanatory
Read the reimbursement language relevant to the asserted difference.
Read the SIMERPU recap →
Savings Estimate, Preventive Care Management Solution Proposal
City of Chicago
Source position: Neutral / explanatory
Evaluate the financial projection separately using employer-specific assumptions.
Read the SIMERPU recap →
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About this source
Original Updated Date: 2026-09-28 (metadata)
Source Type: Vendor / adviser marketing or advocacy
Model Discussed: PCMP / §§125, 105(b), 106(a), 104(a)(3)
Position: Promotional
Period: Recent — 2023–2026
Retrieved: October 31, 2026
Research and date notes
Publication date and author from page metadata.
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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