What Is Section 125 and How Can It Benefit Your Business? Insights Undercover

If you’re a business owner or HR leader looking for a smarter way to support your employees without increasing your overhead, it’s time to take a closer look at Section 125 tax savings—and more importantly, how the Life Flex plan can help you leverage them.

You’ve probably heard of Section 125 plans before—also known as “cafeteria plans.” But what if we told you there’s a new, fully compliant, and cost-free way to go far beyond traditional benefits? That’s what Life Strong Care delivers with its Life Flex program.

More than 30,000 employees are already enrolled—and employers are saving thousands each year while giving their teams access to meaningful health and financial benefits.

Let’s break it all down.

What Is Section 125—and Why Isn’t That Enough?

A Section 125 plan allows employees to pay for eligible benefits using pre-tax dollars, reducing their taxable income. Employers save too—lower taxable wages mean lower payroll taxes. It’s a win-win… but only to a point.

Here’s the problem: traditional Section 125 plans are limited in scope and often fail to support long-term employee wellness or reduce claims. They also don’t cover the deeper emotional, mental, and financial needs of today’s workforce.

That’s where the Life Flex plan is different.

Introducing Life Flex by Life Strong Care

Life Flex is not just a Section 125 plan—it leverages Section 125, but goes further by integrating:

Together, this creates one of the most compliant and benefit-rich programs available today—and it comes with no out-of-pocket cost to employers or employees.

How the Life Flex Plan Works

Instead of simply offering pre-tax deductions, Life Flex is a comprehensive benefits solution that unlocks:

It’s structured to ensure that employees don’t see any decrease in take-home pay, while employers enjoy immediate tax savings and lower claim expenses.

Key Employer Benefits of Life Flex

If you're running a business, the numbers speak for themselves. Life Flex helps you:

Save ~$680 per employee annually

That’s $68,000 in savings for every 100 W2 employees, thanks to reduced payroll taxes. It adds up quickly and directly improves your bottom line.

Zero out-of-pocket cost

You won’t spend a cent to implement or maintain the plan.

Lower long-term healthcare claims

With built-in preventative care and mental health support, businesses can see up to $1,400 in reduced claims per employee over 3 years.

Quick setup and rollout

We’ll have your team up and running in 30–45 days, with no disruption to existing workflows.

Boost retention and performance

Happy, healthy employees stay longer and perform better. With meaningful support tools, Life Flex helps foster a loyal and resilient team.

Key Employee Benefits of Life Flex

Life Strong Care is rooted in the belief that strong teams start with care. That’s why Life Flex was built to empower employees in all areas of health and well-being.

No change in take-home pay

Employees don’t lose anything. Instead, they gain a better benefits package—with no reduction in net pay.

$0 Copay 24/7 Telehealth

Round-the-clock access to doctors, nurses, wellness coaching, and urgent care—all at zero out-of-pocket cost.

Mental Health, Counseling, and Addiction Support

From therapy to recovery tools, your team has access to confidential, 24/7 assistance that’s critical for emotional well-being.

Mayo Clinic Wellness Tools & Health Dashboard

Curated resources from one of the most trusted names in medicine, helping employees take charge of their own wellness journey.

Universal Life, Disability & Critical Illness

Additional coverage helps protect against the unexpected. Employees can tailor benefits to their unique life stage and family needs.

Spouse & Dependent Coverage

The plan extends to families—because a healthier household means a more focused and supported team member.

Fully Managed, Fully Compliant, Fully Automated

Managing benefit plans shouldn’t be a hassle. With Life Flex, everything is automated—from setup to employee enrollment to compliance.

We handle:

Your HR team can stay focused on what matters—growing your business.

 

Why Businesses Choose Life Strong Care

At Life Strong Care, we help businesses build healthier, more loyal teams—without spending more. The Life Flex plan is a true innovation in employee benefits, delivering:

Whether you’re a small business owner or managing a multi-location organisation, Life Flex scales to fit your team—and it’s already trusted by more than 30,000 employees across the country.

We believe that when employees feel supported, companies grow stronger. And we’re here to make that happen.

Is Life Flex Right for Your Business?

If your organisation values:

...then Life Flex is more than a benefit—it’s a strategic advantage.

Start Building a Stronger Team Today

Ready to explore how Life Flex can help your business and your employees thrive?

Get a free proposal today by talking with an expert about how much you can save with Life Flex