Section 125/POP Documents

Managing pre-tax benefits and cafeteria plans can be complex—but MEDSURETY makes it straightforward. Our Section 125 and Premium-Only Plan (POP) document solutions ensure your organization stays compliant with IRS regulations while providing employees with clear, easy-to-understand plan materials. From plan setup to annual updates, we streamline administration, reduce risk, and help your HR team guide employees through benefit elections with confidence and clarity.

For Employees: Save Taxes, Simplify Benefits

Section 125 and Premium-Only Plans (POP) allow employees to pay for benefits like insurance premiums with pre-tax dollars, reducing taxable income and making participation simple. These documents ensure compliance related to eligibility, enrollment, and the pre-tax treatment of wages.

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Reduce Taxable Income

Paying for eligible benefits pre-tax lowers your taxable income and increases take-home pay.

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Pay Premiums Pre-Tax

Deduct insurance premiums automatically before taxes, helping you save on healthcare and other qualified benefits.

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Automatic Deduction Enrollment

When enrolling in benefits, your portion of the premium will automatically be taken pre-tax.

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Know the Rules

These documents list all of the rules for new hires, moving from part-time to full-time, and at the end of employment.

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Eligibility Requirements

The Section 125 & POP Documents are your reference for eligibility and participation for any/all employer-sponsored benefits.

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Clear, Compliant Documentation

Access organized, IRS-compliant plan documents so you always know your rights and responsibilities.

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For Employers: Compliance Made Easy, Costs Under Control

Section 125 and POP plans help employers reduce payroll taxes while staying fully compliant.

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Lower Employer Tax Liability

Pre-tax employee contributions reduce payroll taxes, lowering overall FICA & FUTA expenses.

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Compliant with IRS Regulations

Our plans meet all IRS requirements, helping you avoid compliance issues and penalties.

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Easy Plan Document Updates

Modify plan documents quickly and efficiently to reflect benefit changes or regulatory updates.

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Supports Multiple Benefit Types

Your documents will contain all eligible employee-paid benefits in a single set.

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Document Payroll Processes

Your documents will contain all payroll schedules, divisions, locations, benefits offered, and required payroll deductions.

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Affordable Compliance Solution

Leverage our platform to manage all Section 125 requirements cost-effectively, reducing administrative burden.

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Frequently Asked Questions

Get the details you need. Explore our most frequently asked questions about Section 125 and Premium-Only Plans (POP).

A Section 125 or Premium-Only Plan (POP) is needed whenever a company wants to allow employees to pay any portion of premiums for themselves, their spouses, or eligible dependents—like medical, dental, vision, or HSA—using pre-tax dollars. Implementing the plan helps both employers and employees reduce payroll taxes, remain compliant with IRS regulations, and manage pre-tax benefit contributions efficiently.

Under a Section 125 or Premium-Only Plan (POP), employees can have pre-tax payroll deductions for eligible premiums such as medical, dental, vision, group-term life insurance, HSA, FSA, STD, LTD, and more. Some plans may also allow pre-tax premium deductions for work-site benefits, like accident, critical illness, or deductible identity, depending on the plan design. These pre-tax deductions help reduce both employee taxable income and employer payroll taxes.

Yes. MEDSURETY can help employers prepare and maintain annual Section 125 plan documents, and process amendments whenever benefits are added or discontinued. Our team provides guidance to keep your plan compliant while reducing administrative burden.

Employers of all sizes and industries that offer employee benefits—such as medical, dental, vision, and other qualified plans—can benefit from MEDSURETY’s Section 125 and POP administration. Companies looking to reduce payroll taxes, simplify pre-tax benefit deductions, maintain IRS compliance, and streamline plan administration gain the most value from our services. Our solutions work equally well for organizations offering just one benefit or multiple benefits.

Partnering with MEDSURETY simplifies Section 125 and POP administration by reducing administrative burden, ensuring IRS compliance, and minimizing the risk of errors. MEDSURETY securely stores and maintains all documents indefinitely for future reference, if needed. With MEDSURETY, companies gain accuracy, efficiency, and peace of mind knowing they remain compliant.

Stay Ahead in Benefits and Section 125 Insights

Get the latest updates, tips, and best practices for managing Section 125 and Premium-Only Plans—delivered straight to your inbox. Join our newsletter to help your organization save time, stay compliant, and make the most of your pre-tax benefit programs.

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