Employee Benefit Packages

Customized Benefit Packages for your needs

Payroll USA can help you develop a complete employee benefits package. Most employers need a combination of medical, dental, life, direct deposits and credit unions to maintain a solid employee base.

Section 125 Cafeteria Plans

Payroll USA writes individual Section 125 documents for each of their clients that require a Pre-Tax Cafeteria Plan. This style of benefits administration allows clients to develop packages that are completely portable. Individual group health plans allows you to maintain control over enrollment, costs and administration.

Medical Plans

We offers the major carriers and all of their plan options including:

Aetna, Blue Cross / Blue Shield, and many more!

Individual client medical plans can involve group plans, individual plans, major medical plans or Medicare supplement plans.

We work with brokers. Our brokers becomes your brokers - They work for You! Generally we do not not receive commissions from your group, so they can bring you the lowest possible rates based on the census of your company.

Dental Plans

 Most dental plans range from provider discount programs to DMO's and Dental PPO's. We offers American Dental Plan program which is a low cost alternative that will cover most routine procedures with an accessible base of providers.

DMO's and Dental PPO's work in the same manner as group health plans. They require participation percentage minimums and carry a higher cost, however they do allow for a broader base of providers and procedures covered.

Life, Disability and Supplemental Insurance

 We can provide access to Life, Disability and Supplemental insurances. Generally our brokers can access most of the major providers for Life and Disability insurance. AFLAC has been the product of choice for supplemental insurance due to their multitude of options.

401(k) Retirement Plans

 You can now offer your employees the long term security they deserve at a fraction of the cost.

529 College Savings Fund

 Payroll USA provides access to a flexible college savings program. The "CollegeBoundFund" offers the power of tax-free earnings growth as a way to save for college. The fund offers a choice of five investment options managed by an asset manager. The plan is funded through employee direct deposits from payroll. It's easy, convenient and a smart way to begin saving consistently for your child's or grandchild's future.

Flexible Spending Accounts

 Flexible Spending Accounts (FSAs) integrated as part of your overall Section 125 benefits structure. FSAs are accounts that allows your employees to be reimbursed for qualified medical and dependant care expenses with pre-tax money. The accounts are funded through payroll deductions on a pre-tax basis, and provide a way for your employees to both spread the medical or dependant care expenditures over the entire year and shelter them from taxes.

Direct Deposits

 We offer free direct deposits for employees. A direct deposit automatically sends the net amount of the employee's check electronically into his bank account. No more waiting in line at the bank, washed, lost or stolen checks.

Credit Union

 Employees are eligible to become a member of a credit union - available in most states.

Employee Savings Clubs

 Payroll USA offers Vacation and Christmas Club voluntary deductions which is a great way for employees to have additional cash available for those holidays.

Payroll processing choices to fit your unique business.

Whether you're looking for an employee leasing company, a PEO (Professional Employer Organization), ASO or lower workers' comp rates, Payroll USA can help. By outsourcing unemployment claims, payroll taxes, and employee benefits you will save time and money because our payroll leasing company can obtain the best rates for small to medium businesses. 

We can set up direct deposits, online payroll, deal with wage garnishments, provide worker's compensation certificates and return to work policies as well as health insurance and risk management policies.

At Payroll USA we can provide all of your employee leasing and payroll service needs, for your business.

Payroll USA, Inc. services companies and non-profit organizations i.e. churches, 501c3, etc. – large or small, we can process all types of payroll such as: construction payroll, hospitality payroll including restaurant payroll, professional payroll, franchise payroll, retail payroll, motion picture payroll, medical payroll,manufacturing payroll, payroll for staffing companies.