Pacific Northwest Benefits Products

Offering employee benefits is more affordable than you might realize.
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Stretch your benefit dollars

Voluntary benefits provide vital options for today’s employee benefit programs, but there are additional ways to offer your employees greater choices and value.

If you’re not familiar with Section 125,1 or flexible benefit options, consider how they could help you enhance your benefits program.

Premium-only plan (POP) administration

A POP helps enhance your employee benefits package while potentially reducing taxes. The premiums for benefits under a POP are deducted from an employee’s gross earnings. Through a POP, you can:

  • Reduce employees’ taxable income, which can often mean reduced taxes for you and increased take-home pay for them.
  • Enable your employees to choose the benefits that best fit their needs and pay for them with pre-tax dollars.

Through our marketing alliances, Colonial Life can provide you with POP administration and help ensure you are in compliance with Section 125 regulations — without increasing your budget.

Premium-only plans can offer significant savings.*

These numbers are based on the sample savings illustration on the left.

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*The illustrations provided are for informational purposes only and not intended to reflect any particular real-world situation. Oroville, WA Employers should consult their tax advisors for information regarding their individual situations. Taxes may vary by state and by personal tax status. Deductions may vary by individual.

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  • Flexible spending accounts (FSAs)

    With the overall cost of living increasing, every dollar counts for your employees. By offering FSAs, you can help them decrease their taxable income and increase their take-home pay, while they pay for essentials such as out-of-pocket health care charges or dependent care. Because they reduce the employees’ taxable income, FSAs can possibly reduce the FICA taxes you pay, as well.

    Through an FSA, employees may elect to have a specified amount of pre-tax money deducted from their paychecks each pay period. These dollars are set aside in a reimbursement account and deducted, pre-tax, from the employees’ gross earnings.

    They can then use money in their account to pay for qualified medical expenses.

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  • Dependent care flexible spending account

    With this plan, employees use the pre-tax money they set aside in their flexible spending account to pay for eligible expenses such as daycare, preschool or after-school care for a qualified dependent.

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  • Health care flexible spending account

    Even the best health care plans can’t cover everything. A health care flexible spending account enables Washington employees to use the pre-tax money in their flexible spending account to pay for qualified medical expenses such as out-of-pocket medical charges, deductibles, prescription co-pays, and dental and vision expenses.

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There is no such thing as a one size fits all model when it comes to selecting what's right for your Washington employee benefit package.

Interested in saving anywhere from 10-40% on your current health benefits? We also speacialize in "levelfunded" health plans!

At Pacific Northwest Benefits, customer service isn't a department...it's an attitude! We take an educational approach to insure you and your employees understand and get the most out of your benefits package.

Just some of what you can expect from us:

  • 24/7/365 employee support (phone, text or email any time!)
  • Benefit 101 training and support for employees throughout the plan year
  • Prompt, transparent renewal information and reviews to insure what you have, is what you still need
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