How the PCMP Reduces Your Workers' Compensation Premiums
Workers' Compensation premiums are calculated as a percentage of taxable payroll. By reducing your taxable payroll base, the PCMP also reduces your Workers' Comp premium — typically by 18–30%.
Overview
This article provides a comprehensive overview of how the pcmp reduces your workers' compensation premiums. The Preventive Care Management Program (PCMP) is an IRS-compliant benefit structure that reduces employer payroll tax liability while providing employees with a full suite of health benefits at zero net cost. Built on IRC §§ 125, 105(b), and 106(a), the PCMP has been available to employers since 1978 and is explicitly authorized by IRS Chief Counsel Advice Memorandum 201703013.
Key Takeaways
The PCMP generates $636 per W2 employee per year in net FICA savings for employers. Employees receive a comprehensive benefit suite including dental, vision, telemedicine, mental health services, and more — with no reduction in take-home pay. The program is available in all 50 states, integrates with all major payroll platforms, and includes full audit-ready documentation.
Getting Started
To learn more about how the PCMP can benefit your business, submit our online intake form. Our team will prepare a custom savings proposal for your specific workforce within 48 hours. There is no obligation and the process takes less than 2 minutes.
Ready to Calculate Your Savings?
Submit our intake form and receive a custom savings proposal for your business within 48 hours. Takes less than 2 minutes.
Get Your Custom Proposal