NO UNDERWRITING 路 NO WAITING PERIOD 路 NEXT PAY PERIOD
How can you retain your best?
Increased take-home pay plus benefits, even for those who don't qualify for major medical, and at a savings for you. Bring us your goals and we'll craft it, at no cost to you.
THE COST NOBODY PUTS IN THE BUDGET
What does replacing someone actually cost?
Recruiting, onboarding, the weeks at half productivity, the overtime covering the gap, and the manager's time you never get back. In hourly work that's thousands of dollars, several times a year, per person.
Meanwhile the benefits that would help most are priced for salaried full-timers, so most of your roster was never eligible for anything.
There is coverage built for exactly this workforce. It just isn't sold through the usual channel.
WHAT CHANGES
+49% retention with earned wage access
35% lower turnover and 2x the applicants
Up to $988 savings per employee per year, every pay period
95%+ participation because it actually adds value for them and their families
WHAT YOUR CREW GETS
What would make them stay?
Not a benefits brochure. Money in the account and care they can reach from a phone.
Money on the next paycheck
Cost-saving payroll bolt-ons return up to $988 per employee per year, realized every pay period. Fully insured, backed by Bain Capital, approved by the states.
Care they'll actually use
$0-copay prescriptions for the whole household and unlimited virtual urgent care, so a sick kid doesn't cost somebody a shift or an ER bill.
Pay when they need it
Earned wage access at no cost to you: +49% retention, 35% lower turnover, twice the applicants. The car repair stops becoming a resignation.
THREE BASELINE OPTIONS
What would it cost to cover everyone?
Two are a small cost. The third unlocks your cash flow with additional value to the employee.
All three reach part-time, seasonal and variable-hour workers. No underwriting, no waiting period, live on the next pay period.
WHO THIS ACTUALLY REACHES
How many of your people can't afford care?
Part-time, variable-hour, seasonal, newly hired. In most hourly workforces that's the majority of the roster, and traditional benefits were never built to reach them. These programs have no underwriting and no waiting period, so eligibility isn't the barrier it has always been.
We provide better benefits at a cost savings to you, so you can retain your best.
WHAT OPERATORS ASK
You might be wondering...
Do part-time and seasonal workers qualify?
Our people won't fill out forms. How does enrollment work?
We run on thin margins. What does this cost?
How much does this add to payroll admin?
Reviewed by Keryn Gold, PhD, MBA, Managing Partner
What would your turnover number look like?
Bring us your challenges. Tell us your goals. We'll craft a cost-saving solution, at no cost to find out.
See your savings