Kaizen Group International

Caregiver Payroll Is Your Largest Cost Line

For a home health, hospice, or caregiver agency, payroll is the business. Caregivers carry the mission — and payroll taxes, benefits costs, turnover, and renewal increases quietly take margin out of every pay period. Most owners see the total. Very few have had anyone line up the structure underneath it — how premiums are paid, how payroll deductions are treated, what preventive support their workforce actually has — and ask whether it is built the most efficient way the rules allow. That is the review Patriot Preventive Care starts with.

One Program, Two Working Parts

Patriot Preventive Care is one program with two parts that work together.

Part one — a Section 125 structure. Section 125 of the Internal Revenue Code lets an employer set up a written plan under which eligible employees can pay their share of qualified benefit premiums with pre-tax dollars. Done properly — a written plan document, correct payroll handling, and the nondiscrimination rules followed — a pre-tax structure can reduce the payroll-tax cost attached to those premiums for the employer and increase take-home pay for participating employees. Results vary by workforce and plan design, and the structure only works when it is set up and administered correctly.

Part two — a preventive-care program for your workforce. Alongside the tax structure, participating employees get access to a preventive-care program focused on early, routine care — the checkups, screenings, and everyday health support that help a caregiving workforce stay healthy enough to do physically demanding work.

Plain-language note: This is a benefits structure and a wellness program — it is not a replacement for your group health plan, and it is not a way to reclassify wages. Any program that promises that should be a warning sign, not a selling point.

How It Works — Most of It Self-Service

Step 1 — Submit the employer intake (5 minutes, below). Tell us about your agency: size of your W-2 workforce, how payroll runs, what benefits you offer today, and when your current plan renews. That is all we need to start.

Step 2 — Fit review. Every intake is reviewed by a person — not auto-approved by a form. We confirm whether the program fits your workforce structure and flag anything that needs a closer look. If it doesn't fit, we tell you that plainly.

Step 3 — Get your document checklist. If the fit looks right, you receive a short, specific checklist of the documents needed to build your proposal — nothing more than what's needed, requested once.

Step 4 — Review a written proposal. You see the proposed structure, the plan-document and payroll steps, and the costs in writing before you decide anything. No implementation begins without your written go-ahead.

Step 5 — Implementation and enrollment support. If you proceed, we coordinate the plan setup, payroll coordination, and employee enrollment process with you and your payroll provider.

Questions Employers Ask

Is this a replacement for our group health insurance?

No. Patriot Preventive Care is a benefits structure plus a preventive-care program. It works alongside an employer's existing coverage; it does not replace a group health plan.

What exactly is a Section 125 plan?

It's a written plan, authorized under Section 125 of the Internal Revenue Code, that lets eligible employees pay their share of qualified benefit premiums on a pre-tax basis. The plan must be documented in writing, elections are generally made before the plan year, and the plan must follow IRS nondiscrimination rules — it can't be structured to favor owners and highly paid staff over the wider workforce.

How many employees do we need to qualify?

Program fit is confirmed during the fit review, and workforce size is one of the factors reviewed. Submit the intake with your current W-2 count and you'll get a written answer for your agency — we'd rather confirm it for your situation than post a number that may not apply to you.

We're a home health / hospice agency. Is this built for employers like us?

Yes — KGI's employer work focuses on home health, hospice, and caregiver agencies in Southern California, whose largest cost line is caregiver payroll. The intake and review are built around how agencies actually run payroll.

What does it cost, and what does it cost to find out?

The intake and fit review cost nothing and commit you to nothing. If the program fits, you receive a written proposal with all program costs stated before you decide. No implementation begins without your written approval.

What do you need from us to start?

Just the intake form below — about five minutes. If the fit review looks promising, you'll receive a short document checklist (things like a current payroll summary and benefits lineup). Nothing sensitive is requested through this website form.

Will this create problems with the IRS?

A Section 125 plan is a long-standing, legitimate part of the tax code — when it's documented and administered properly. The problems in the news come from promoters who promise guaranteed tax savings or route wages through 'wellness' reimbursements. We don't do that: written plan document, correct payroll treatment, nondiscrimination rules followed, and we encourage your CPA to review the proposal. This page is general information, not tax advice for your specific situation.

How long does implementation take?

It depends on your payroll cycle and renewal timing, which is why the intake asks about both. Your written proposal includes a realistic timeline for your agency before you commit to anything.

Who's Behind This

Kaizen Group International is a San Diego–based business advisory firm. Kaizen Group International is a BBB Accredited Business (A+ rating) and is listed with Dun & Bradstreet. Insurance products and placements connected with this program are offered through Kaizen Group International, CA Life & Health Insurance License #4347307. William Peetoom — Founder & Chief Enterprise Architect, Kaizen Group International. KGI's employer work focuses on the systems underneath caregiver payroll: benefits structure, payroll-tax efficiency, and workforce programs for home health, hospice, and care employers across Southern California.

BBB Accredited Business · Rated A+ by the Better Business Bureau

Start the Employer Intake

Five minutes, no commitment, no booking calendar, no sales call you didn't ask for. Submit the intake and you'll get: (1) an immediate confirmation, (2) a personal reply after a human fit review, and (3) if the fit looks right, your document checklist and a written proposal.

Consent: I agree to be contacted about this inquiry by email or phone, and I understand this is general information — not tax or legal advice — and that submitting this form does not enroll my company in any plan. See the site's Privacy Policy.

The Five-Minute Fit Self-Check

Before the form, five honest questions. Answer them in your head: nothing you answer here is collected, and no answer qualifies or disqualifies anyone. The point is to save you five minutes if the fit obviously isn't there, and to make the intake worth your time if it might be.

1. Do you employ a W-2 workforce? Patriot Preventive Care is built around employees on your payroll: their premium contributions, your payroll handling.
2. Do your employees pay part of their health premium through payroll deduction today? The Section 125 structure acts on premiums that flow through payroll.
3. Is a written Section 125 plan document in place today, or are you not sure? "Not sure" is a normal answer, and a common starting point.
4. Is your workforce mostly caregivers, home health, hospice, or home care, based in Southern California? That is the workforce this program and this review were built around.
5. Do you have a benefits renewal coming up, or a plan year decision ahead? Structure changes are made before a renewal or plan-year start, not in the middle of one.

How to read your answers

If you answered yes to most of these, the intake is worth five minutes. Your situation matches the shape of employer this program was built for, and the fit review will confirm the details in writing.

If you have no W-2 employees, your team is all independent contractors. Here's the plain truth: there is no payroll for the structure to act on, and this program won't fit. We'd rather tell you that here than after you've filled out a form.

If your employees don't pay any premium through payroll today, part one of the program has nothing to act on yet. That can change when your benefits lineup does, and the fit review will say so plainly if that's your situation.

If a written Section 125 plan document is already in place, good, that's the documented structure done right. The review then checks what you already have before anyone suggests changing anything; if what you have is solid, we'll tell you.

If you answered "not sure" to the plan-document question, that's normal, it's one of the first things the fit review checks.

If your renewal isn't close, timing still matters: the review looks at your renewal date so any structure change is ready before decisions lock in, not after.

However you answered: answering these questions doesn't settle anything either way. Program fit, including any workforce-size requirements, is confirmed in review, in writing.

Ready when you are: the Employer Intake is below. Five minutes, reviewed by a person, no commitment.

Patriot Preventive Care — Employer Intake

San Diego, California, United States

General information only — not tax or legal advice. Section 125 plans must be established under a written plan document and administered in compliance with IRS rules, including nondiscrimination requirements. Program availability, eligibility, and outcomes vary by employer and workforce and are confirmed in writing during the fit review. Patriot Preventive Care is a preventive-care and benefits-structure program; it is not health insurance and does not replace an employer's group health plan.

Stop Capital Leaks

Preventive Care Benefits, Structured the Right Way

Quick Answer

Caregiver Payroll Is Your Largest Cost Line

One Program, Two Working Parts

How It Works — Most of It Self-Service

What the Fit Review Looks At

Straight Answers, Up Front

Questions Employers Ask

Who's Behind This

Start the Employer Intake

The Five-Minute Fit Self-Check

Patriot Preventive Care — Employer Intake

Five minutes. Reviewed by a person. No commitment, no booking link, no obligation.

Stop Capital Leaks

Preventive Care Benefits, Structured the Right Way

Quick Answer

Caregiver Payroll Is Your Largest Cost Line

One Program, Two Working Parts

How It Works — Most of It Self-Service

What the Fit Review Looks At

Straight Answers, Up Front

Questions Employers Ask

Who's Behind This

Start the Employer Intake

The Five-Minute Fit Self-Check

Patriot Preventive Care — Employer Intake

Five minutes. Reviewed by a person. No commitment, no booking link, no obligation.

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