AYG Insurance Launches Innovative, No-Cost Employee Benefits Program for Stuart and Martin County Businesses
Stuart, FL - [Insert Date] - AYG Insurance and Financial Services is proud to introduce TRUEwellness, a powerful and fully compliant employee benefits enhancement program now available to employers throughout Stuart and Martin County. TRUEwellness offers a broad suite of healthcare and financial wellness services to employees-at no net cost to the employer or the employee.
Designed to support workforce engagement, talent retention, and cost control, the program provides high-value benefits that supplement existing coverage, with no disruption to current brokers or plans.
Program Highlights:
- Guaranteed-issue voluntary benefits: Accident, short-term disability, long-term disability, life insurance, critical illness with cancer, hospital indemnity, dental, and vision
- No health questions required, and no reduction in employee take-home pay
- Virtual Urgent Care & Mental Health Support: No co-pays, no deductibles
- Comprehensive wellness concierge services: Weight management, chronic disease support, prescriptions, smoking cessation, billing advocacy, health education, and whole family care
- Participatory care dashboard: Each employee gains access to a personal preventative care
management platform
- Employer-paid benefits remain unchanged
- Seamless integration with existing benefit structures
TRUEwellness not only enhances employee support but also delivers measurable financial impact:
- Employers save an average of $630 annually per enrolled employee in payroll tax savings
- Employers achieve an average savings of $14,640 per qualified employee through reduced gross pay. Workers' compensation premiums will decline in line with the reduction in gross payroll.
- Employees save $1,200-$1,800 annually in taxes, which can be used to purchase additional coverage
- Net pay remains unchanged for employees
The program also helps reduce claims-related costs by lowering emergency room and urgent care visits and proactively addressing avoidable health incidents. Notably, it has proven effective in reducing Monday morning workers' compensation claims, which account for nearly 70% of all workplace claims.
"TRUEwellness is a cost-neutral way for businesses to give their employees better access to healthcare while boosting morale, productivity, and retention," said Margaret Winfield of AYG Insurance. "We're excited to offer a solution that creates real value for both the employer and their team."
TRUEwellness is structured under a compliant Self-Insured Medical Expense Reimbursement Plan (SIMERP) and a Section 125 Cafeteria Plan, and meets all applicable IRS, ERISA, and HIPAA regulations.
AYG encourages Stuart/Martin County businesses and Chamber members to explore how TRUEwellness can complement their existing HR and benefits strategies, while offering meaningful advantages to their employees.
For more information or to schedule a consultation, please contact Margaret Winfield directly at https://www.aygpartners.com/mwinfield/.
