Your employees are crucial to the success of your business, and your ability to attract and retain them is important to reduce your turnover costs. One way to attract and retain employees is to offer a comprehensive benefit package with valuable services. PaysourceUSA’s distinct benefit offering allows you to provide high-quality benefits to your employees at a price that would not be available to your company in the retail insurance market. Access to this level of health care is one of the many benefits of partnering with PaySourceUSA.

PaySourceUSA has partnered with Humana, a recognized leader in the industry to provide coverage for most regions of the U.S. along with several other regional healthcare providers such as MVP, Blue Shield, CDHP and Oxford where Humana does not have a strong presence. Through these partnerships, PaySourceUSA can offer medical programs to your employees that will encourage preventative care and help them maintain good health, thereby limiting their amount of missed work days and increasing their overall quality of life. Our health benefits program offers your employees discounts on routine healthcare costs, savings on generic and name-brand prescriptions, and the value and convenience of an extensive network of healthcare providers.

PaySourceUSA offers several medical plans to allow clients and their employees a variety of coverage options, including Health Maintenance Organizations (HMO), Preferred Provider Organization (PPO), Point of Service (POS), High Deductible Health Plans (HDHP), and Health Savings Plans. Click here to download all details.

When It Comes to Dental Benefits, Follow a Leader
We have access to one of the largest PPO networks with over 78,000 provider locations in our top-notch, nationwide DentalGuard Preferred Network

• Flexible, creative and cost-effective plans designed to maximize choice and minimize cost
• Innovative offerings including coverage of dental implants and maximum rollover, which allows members to roll over a portion of their unused benefits for future use
• One of the fastest claims turnaround times in the industry: three day average claims turnaround time
• Satisfaction rate of 97%

Click here to download all details.

Give your employees the opportunity to participate in a great vision plan that is affiliated with Vision Service Plan (VSP) in order to access significant discounts from more than 29,000 doctor locations nationwide.

• More than 15,000 of the most popular and contemporary frames on the market are covered in full
• Frames not fully covered are offered at reduced rates
• Generous benefits provided towards all types of medically-necessary and elective contact lenses
• A laser correction surgery discount, which may save an average of 20%-25% off all laser surgeons' usual cost
• No ID cards, no claim forms, it’s as easy as 1,2,3

Click here to download all details.

A Section 125 plan is a benefit that allows you to make contributions toward premiums for medical insurance, dental insurance, and out-of-pocket medical expenses or dependent-care expenses on a before-tax basis. This reduces employee taxes and represents an increase in take-home pay.

Benefits to Employer

• Reduce FICA taxes
• Improve recruiting and retention of employees
• Ability to offer additional benefits to employees
• Elimination of the following employee benefit administration matters:
  • Plan Documents
  • Summary Plan Descriptions
  • Summary Plan Updates
  • Enrollments
  • Claims Processing
  • Form 5500 Preparation and Filings
  • Account statements and balance tracking
  • Reimbursements issued from AFLAC

Benefits to Employee

• Increased take-home pay
• Reduced taxes
• Fortune 500- level benefits

Fees

Set-up fees: None Annual Fees: None Participant fees: None

Premium Only Plan

Allows employee contribution towards health, dental, group term life and voluntary disability insurance with pre-tax dollars.

Dependant Care

Annual maximum contribution of $5,000 pre-tax expenses, including:

• Daycare and after school care
• Pre-school
• Day camps
• Elder care

Out-of-Pocket Medical Expenses

The HR Logic program allows for an annual maximum contribution of $3,000 pre-tax expenses which are not covered by insurance. Reimbursable expenses can include:

• Co-pays and deductibles
• Prescriptions
• Orthodontics
• Eye examinations, contact lenses and eyeglasses
• Chiropractic
• Laboratory fees
• Podiatry
• Therapy

Click here to download all details.

PaysourceUSA provides a wide range of options for you and your employees :

• Employees may elect one of several benefit options up to $150,000
• A spouse is eligible for 50% of the employee’s amount up to a maximum of $50,000
• Dependent children are subject to benefits pending some limitations

Click here to download all details.

PaySourceUSA has many disability programs to choose from including:

• Accident
• Cancer/ specified disease
• Hospital confinement
• Monthly benefit amount
• Elimination period
• Benefit period
• Guaranteed renewable to age 70
• Benefits paid directly to employee unless you choose otherwise
• Benefits paid regardless of any other insurance

Click here to download all details.

Flexible, customized 401(k) plan designs allow you to tailor your plan to meet your personal and company retirement needs. You can select your own eligibility criteria, matching contribution formulas, profit sharing formulas including integration and new comparability and vesting provisions. The PaySourceUSA Dream Plan provides the flexibility to create a plan to maximize benefits to owners while minimizing expense. The Dream Plan requires minimal paperwork during the initial setup; then PaySourceUSA handles it all.

The plan also features another PaySourceUSA advantage: we offer the PaySourceUSA 401(k) Dream Plan at low cost to our client employers. As an added benefit, employers with an existing plan are able to transfer those plan assets into the PaySourceUSA 401(k) Dream Plan. This reduces your fiduciary responsibility, work and expense. To further enhance the benefit, we have arranged for our investment provider to reimburse up to 3% of assets if you incur a deferred sales charge to move your assets into our plan: and there is no deferred charge if you leave the plan. Click here to download all details.

PaysourceUSA provides third-party recordkeeping (TPA) services for our plans. Interactive web-based administration services are available 24/7. We will assist you in taking advantage of a customized plan design that supports the achievement of your company’s specific retirement plan objectives. PaysourceUSA is your resource for convenient, web-based information. PaySourceUSA information is only a click or phone call away. Click here to download all details.

Through best practices and proven, customizable benefits management systems, PaySourceUSA solutions feature:

• A single point of contact to simplify benefits administration
• Dedicated account teams and support staff to provide benefits administration assistance integration with the PaySourceUSA DarwinNet HRISK system to reduce duplicate data entry and to facilitate communication

Click here to download all details.

LifeHub™ is an internet-based organizational effectiveness program focusing on the work/life issues that face all companies. LifeHub™ confronts the critical business issues challenging every organization: turnover, productivity, absenteeism, and healthcare costs. LifeHub™ addresses the corporate needs through a program that is targeted at both the professional and personal needs of employees and their families. It provides dynamic and proactive support, enabling the employee and their families to seek expert guidance, support and development, both personally and professionally. What does LifeHub™ support? How does LifeHub™ support?

• Career Skills
• Stress
• Emotional Health
• Parenting
• Personal Finance
• Relationships
• Fitness
• And Much More
• Diagnostic Assessments
• Articles
• Ask the Expert
• Chat Rooms
• Worksheets & Tools
• Learning Experiences
• On-line Seminars
• News
• Quick Tips
• Benefits of LifeHub™ to the Organization

Additional Company benefit that includes:

• Family access to professional advice from the home or office
• Expert advice and assistance available 24 hours a day, conveniently and confidentially
• Self development opportunities
• Increased work/life balance
• Increased company communication
• New benefit for employee that goes beyond traditional work/life programs
• Access to quality filtered information.
• Reduced employee turnover and absenteeism
• Reduced Health Care Costs
• Providing employees’ tools for developing job related skills.
• Increasing employee productivity as employees have the tools required, limiting
• Personal matters from negatively affecting performance at work “Touching” more employees in early interventions, thereby, improving productivity
• Increased employee satisfaction
• Providing tools and statistics to gauge overall employee attitudes concerning work/life issues
• Provides a single site for a company to manage and communicate with employees about all HR systems Increasing employee education concerning the company benefits, resulting in increased usage and an increase in the return on investment.

Cost – Free to all PaySourceUSA and client companies. Click here to download all details.

PaysourceUSA is pleased to offer Working Advantage. With this benefit, you and your employees can save up to 40% on movie tickets and up to 37% on BLOCKBUSTER® movie rentals nationwide. Working Advantage also offers incredible discounts on Broadway Theatre, theme parks, hotels, sporting events, family events, online shopping, gift certificates, seasonal ski tickets and more! Click here to download all details.