Payroll Service

Employee Benefits   (back to Services page)

Customized packages for your needs

Benefits of PayCare Usa servicesOur brokers can help you develop a complete employee benefits package. Most employers need a combination of medical, dental, life, direct deposits and credit unions to maintain a solid employee base.

Payroll USA writes individual Section 125 documents for each of our clients that require a Pre-Tax Cafeteria Plan. This style of benefits administration allows our clients to develop packages that are completely portable. Individual group health plans allows you to maintain control over enrollment, costs and administration.

Section 125 Cafeteria Plans
An individual, portable, Section 125 plan document can be developed to include the features you need. A Section 125 document will allow your firm to deduct the employee paid portion of qualifying benefits on a pre tax basis. These tax savings will be seen by both you and your employees.

This document will be written and maintained by an outside firm to ensure proper filing status. You will be provided with the master plan document as well as handouts for all of your employees. Once established, this plan can stay effective as long as your business is active.

See below added links to payroll calculators to compute the tax savings with Section 125 contribution.

Medical Plans

Definition of PPO and HMO:

Individual client medical plans can involve group plans, individual plans, major medical plans or Medicare supplement plans. Our brokers can help develop a combination that is the right fit for your business.

We are able to offer you all the major carriers and all of their plan options including:

  • Aetna
  • Blue Cross / Blue Shield
  • United Health Care
  • And many more!

Our brokers become your brokers - They work for You! We don't receive commissions from your group, so we can bring you the lowest possible rates based on the census of your company.

Dental Plans
Our dental plans range from provider discount programs to DMO's and Dental PPO's. Our American Dental Plan program is a low cost alternative that will cover most routine procedures with an accessible base of providers.

DMO's and Dental PPO's work in the same manner as group health plans. They require participation percentage minimums and carry a higher cost, however they do allow for a broader base of providers and procedures covered.

Life, Disability and Supplemental Insurance
Payroll USA can provide access to Life, Disability and Supplemental insurances. Our brokers can access most of the major providers for Life and Disability insurance. AFLAC is the product of choice for supplemental insurance due to their multitude of options.

401(k) Retirement Plans
You can now offer your employees the long term security they deserve at a fraction of the cost. Let Payroll USA through a licensed financial advisor, have your company set up a new 401(k) plan or as takeover with a Hartford Retirement program for small businesses and funded by a group variable funding agreement.


529 College Savings Fund
Payroll USA offers a flexible college savings program through Alliance Capital. The "College" offers the power of tax-free earnings growth as a way to save for college. The fund offers a choice of five investment options managed by Alliance Capital, one of the world's premier asset managers.

The plan is funded through employee direct deposits from payroll. It's easy, convenient and a smart way to begin saving consistently for your child's or grandchild's future.

To learn more about the College, link to College.

Flexible Spending Accounts
Flexible Spending Accounts (FSAs) integrated as part of your overall Section 125 benefits structure. FSAs are accounts that allow your employee to be reimbursed for qualified medical and dependant care expenses with pre-tax money. The accounts are funded through payroll deductions on a pre-tax basis, and provide a way for your employees to both spread the of medical or dependant care expenditures over the entire year and shelter them from taxes.

Direct Deposits
Payroll USA offers free direct deposits for our employees. A direct deposit automatically sends the net amount of the employee's check electronically into their bank account. No more waiting in line at the bank, washed, lost or stolen checks to deal with.

Payroll Card Program ( Master Debit Card)
Available for employees without bank accounts. Funds are readily available at any ATM's worldwide.

Credit Union
Employees of Payroll USA are eligible to become a member of a credit union - available in most states.

Employee Savings Clubs
Payroll USA's Vacation and Christmas Club are a great way for employees to have additional cash available for those holidays.

For more information Call Payroll USA (941 756-1700).

We offer 5% - 25% discount on your worker's compensation rate depending on your claim history.