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Employee Benefit Cost-Reduction Review

Improve Business Cash Flow With a WIMPER Employee Benefits Strategy

A WIMPER program is a structured employee wellness and medical reimbursement model designed to help qualifying employers reduce certain payroll-related costs while giving employees access to meaningful wellness and health-related benefits. Chair 12 Strategies helps business owners evaluate WIMPER as one more practical cash-flow strategy within a broader review of cost reduction, recovery, and tax-benefit opportunities.

Request a WIMPER Review
Up to $900stated per-employee payroll tax reduction opportunity
18–30%stated workers’ compensation insurance savings opportunity
Zero-net costprogram model designed for employers and employees
Plain-English Overview

What Is WIMPER?

A WIMPER program—Wellness and Integrated Medical Plan Expense Reimbursement—is a unified healthcare model built around a Section 106 Wellness Plan, a Section 105 Self-Insured Medical Reimbursement Plan, and a Section 125 Cafeteria Plan.

The practical idea is simple enough: pair employee wellness and medical reimbursement benefits with a tax-advantaged structure that can reduce employer payroll expense when properly implemented—turning an employee benefits program into another cash-flow improvement tool.

Why Chair 12 Is Interested

This fits our broader mission: helping businesses identify overlooked strategies that improve cash flow without requiring owners to become experts in every specialized program available. Chair 12 Strategies helps evaluate fit, coordinate the right path, and keep the process clear from first review through next steps.

Employer Fit

Who May Be a Good Candidate?

  • Businesses with at least five W-2 employees, excluding owners
  • Employees who are full-time, generally 30 hours per week, or meet the stated salary threshold
  • Businesses with an existing ACA-approved qualified health plan, or those evaluating a Minimum Essential Coverage option
  • Employers interested in improving benefits, retention, and labor-cost efficiency
Cash-Flow and Benefit Advantages

Why Employers Look at It

  • Reduction in qualifying payroll-related costs
  • Workers’ compensation insurance savings opportunity
  • Employee access to wellness, telemedicine, mental health, dental, vision, life insurance, prescription, and other benefit options
  • Support for recruiting, retention, employee engagement, and productivity
How the Review Works

A Simple Starting Path

1

Initial Fit Review

Confirm basic company size, workforce profile, and whether the program appears worth exploring.

2

Strategy Fit

We help identify whether WIMPER appears to fit your workforce, current benefits structure, and cash-flow goals.

3

Employee Census

The provider reviews employee census information to prepare a more accurate proposal.

4

Proposal & Launch

The employer reviews savings, benefits, payroll integration, and implementation steps, then moves forward through the provider’s launch process.

How Chair 12 fits: Chair 12 Strategies helps business owners recognize where WIMPER may fit within a broader cash-flow improvement plan, then coordinates the appropriate next steps with the program provider. Program eligibility, savings calculations, compliance requirements, payroll integration, and implementation details are confirmed through the provider and the employer’s own professional advisors.

Ready to See Whether WIMPER Fits Your Business?

Start with a basic review through Chair 12 Strategies. If WIMPER appears to fit your business, we will coordinate the appropriate next step so your team can evaluate eligibility, payroll impact, and implementation details.

Request a WIMPER Cash-Flow Review