altert for non-compliance - Viventiq Health Benefits

May be funded 100% through Section 125 Qualified Tax Incentives

Avoid Non-Compliant “Tax Savings” Benefit Programs

Sadly, you may come across programs that promise “tax-free cash” or “wellness reimbursement plans.” Some are structured properly — many are not.

The IRS warns against these self-funded programs, and the misuse of Section 12.

These programs can disadvantage your employees. A true FFIP will not.

Viventiq is that FFIP - fully-insured and works within the intent of Section 125

So, What Are the Risks?

1) Congressional Change
Future legislation could alter rules going forward.

2) Judicial Interpretation
Interprets the law differently than the plain language.

3) “Excess Benefit” Risk
An employee receives more in benefits than allowable medical deduction.

Better for Families

Viventiq Health Benefits is a Fully-Insured Fixed Indemnity Plan (FFIP) designed to enhance your existing benefits package—without changing your current insurance plan.

Viventiq is:

Fully insured (not self-funded)
State-filed and approved
Implemented through a compliant Section 125 cafeteria plan
Transparent and employee-friendly
Supported by enrollment education and ongoing service

A Simple Rule of Thumb

A compliant FFIP should:

Provide real insurance coverage
Follow IRS guidance (including “excess benefit” rules)
Rely on established law and published guidance, not loopholes

That’s exactly how Viventiq is designed.

The Bottom Line

Viventiq delivers real, additional health benefits and real tax savings — safely and compliantly — for both employers and employees.

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