WIMPER PROGRAM
UNLOCK MASSIVE SAVINGS AND BOOST EMPLOYEE WELLNESS
Discover how leading companies are saving 18% to 30% on Workers' Comp, PLUS $650 to $900 per employee annually, and so much more!Garner loyalty and attraction by providing, drop-in, superior ancillary benefits employees love, at zero net cost!
WHAT IS WIMPER?
A GOVERNMENT INCENTIVIZED WELLNESS BENEFITS PROGRAM BORN OF THE AFFORDABLE CARE ACT
WIMPER stands for Wellness and Integrated Medical Plan Expense Reimbursement.A WIMPER program is an innovative tax strategy utilizing a Section 106 Wellness Plan, Section 125 Cafeteria Plan, Section 105 Self-Insured Medical Reimbursement Plan (SIMRP), and a Qualified Health Plan (QHP).Together, these deliver pre-tax deductions and post-tax reimbursements that produce immediate savings.Our WIMPER benefits package has been crafted by a fellowship of seasoned tax and insurance professionals and curated for excellence.
THE WIMPER ADVANTAGE
A WINNING PROPOSITION FOR EMPLOYERS
✓ Demonstrates commitment to employee well-being
✓ Enhances employer branding
✓ Attracts top talent
✓ Shows investment in employee health
✓ Fosters a positive work environment
✓ Increases employee loyalty
✓ Differentiates from competitors
✓ Portrays a progressive company culture
POSITIVELY GAME-CHANGING
PERCEPTION IS REALITY
✓ Reduces Workers' Comp costs and claims
✓ Reduces healthcare costs
✓ Improves employee productivity
✓ Enhances employee retention
✓ Boosts employee morale and satisfaction
✓ Decreases absenteeism
✓ Promotes a culture of wellness
✓ Offers tax advantages for employers
✓ Provides flexibility in benefits offerings
INCREDIBLE WIMPER BENEFITS EMPLOYEES LOVE
HAPPY EMPLOYEES, HAPPIER FAMILIES
Accident, Health, and portable, guaranteed issue Life Insurance Benefits: ✓ Dental, Vision, and Hospital Insurance
✓ Short-Term Disability Insurance
✓ Group Term Life Insurance
✓ Critical Illness and Cancer InsuranceWellness Plan Benefits often administered through a mobile app! ✓ 24/7/365 Telehealth Services
✓ Virtual Primary AND Urgent Care
✓ Mental Health Services
✓ Prescription Benefits
✓ Chronic Disease Management
✓ Health Risk Assessments and Education
✓ Wellness Coaching
MEC PLAN BENEFITS HIT HOME FOR EMPLOYEES
ALL BASES COVERED
MEC stands for Minimum Essential Coverage.MEC plans offered through a WIMPER Program satisfy most or all of the Affordable Care Act's (ACA) essential health benefits (EHBs):✓ Ambulatory Patient Services
✓ Emergency Services
✓ Hospitalization
✓ Maternity and Newborn Care
✓ Mental Health and Substance Use Disorder Services
✓ Prescription Drugs
✓ Rehabilitative and Habilitative Services and Devices
✓ Laboratory Services
✓ Preventative and Wellness Services
✓ Chronic Disease Management
✓ Pediatric Services
WIMPER ELIGIBILITY
EXPERTLY CRAFTED, SEAMLESS SOLUTIONS
The qualifications are simple whether small, medium, or large size business. ✓ Minimum of five participating W-2 employees (not including owners). We recommend ten to ensure eligibility at all times. ✓ Employees must be receiving an annual salary of $17,500 or more. ✓ Existing ACA-approved Qualified Health Plan (QHP). Those without a QHP may opt for a Minimum Essential Coverage (MEC) plan.
WIMPER COMPLIANCE
YOUR PARTNER IN EXCELLENCE
✓ Our carefully selected providers are comprised of AM Best A+ rated companies in all 50 states.✓ Our WIMPER program is IRS, ACA, ADA, ERISA, and HIPAA Compliant with AUDIT PROTECTION available!✓ Our customizable WIMPER benefits package is ensured to meet compliance with all IRS memos, the Affordable Care Act (ACA), and related public law.✓ In addition to all IRS memos and provisions under the Affordable Care Act (ACA), our WIMPER program accounts for the following public law: Internal Revenue Code (IRC) § 106(a) (i.e., ERISA), IRC § 213(d) (i.e., ACA and ADA), IRC § 105(b) (i.e., HIPAA), IRC § 5125, IRC § 125, Code of Federal Regulations (CFR) § 1.105-11, IRC § 104(a)(3), CFR § 1.105-11(i), CFR § 1.105-11(k)(1), and CFR § 1.105-11(k)(2).
WIMPER IMPLEMENTATION
MASTERY IN MOTION, SIMPLE & EASY
Choose: Select us as your experienced administrator and broker for comprehensive supportDiscover: Schedule a 20-minute Zoom call to explore a world of cost-free employee benefitsPrepare: Easily obtain a census report from your payroll system - we work with most providersReveal: Review our custom tailored WIMPER proposal and uncover game-changing insights for your businessLaunch: Watch employee wellness and appreciation soar as you begin saving and reaping benefitsReady to transform your workplace? Let's start the journey together!
WIMPER DISCOVERY CALL
EXCELLENT CHOICE, TAKE ACTION
The WIMPER Program best serves companies with five or more W-2 employees. Please provide your information below so that we can reach out to you by phone. We will use email to confirm your personal discovery call.Our experience has proven that payroll and benefits representatives should be in attendance to get going quickly. Please invite them!
CONTACT US
Got more WIMPER Program on the mind? We're here to help! Please use the form below and expect us to contact you within 24 business hours or less. Our contact information can also be found in the footer at the bottom of the page.
THANK YOU
THANK YOU FOR EXPRESSING INTEREST IN THE WIMPER PROGRAM!
As you can see, we are quite excited that you have! Just wait until you meet our WIMPER experts!We will be in touch with you just as soon as we are able.Wait! We would be honored if you could share our WIMPER Program website using the button below!
ABOUT US
WHY OUR WIMPER PROGRAM?
Here at David J. Murphy Insurance Solutions, Inc., we believe insurance is more than just policies and numbers — it’s about people, families, and businesses securing their future with confidence. As a family-owned and operated agency, we take pride in building relationships that last. Most of our clients come to us by referral, and for good reason — our approach is rooted in trust. Our team has decades of expertise and a deep commitment to tailoring solutions that fit each unique situation.This is why we were approached by the best to assist in getting access to WIMPER Program health and wellness benefits to employees that need it. We have researched well and we stand behind the company, this specific WIMPER Program, and the team we work with to provide it.Our philosophy is simple: your goals drive our solutions. Whether you're securing your family's future, safeguarding your business, or building long-term wealth, we specialize in crafting customized strategies that evolve with you. From college savings plans and mortgage protection to business pensions and supplemental retirement solutions, we integrate a range of life insurance, annuities, and other products that do more than protect — they help you grow and prosper.We ensure our clients always have access to elevated strategies that maximize growth and protection. Our role is more than that of an advisor — we are your trusted partner, dedicated to helping you navigate life’s financial journey with confidence, clarity, and a personal touch.For those who know us, we’re the best-kept secret in the community. For those who don’t, we’re here when you’re ready.
ACCESSIBILITY SERVICES
OUR COMMITMENT TO ACCESSIBILITY
David J. Murphy Insurance Solutions, Inc. is committed to ensuring that our website is accessible to everyone, including individuals with disabilities. We strive to provide an inclusive experience for all users and are actively working towards achieving full compliance with the Web Content Accessibility Guidelines (WCAG 2.1 AA).Current Status:
Our website is currently in development and not yet fully compliant with ADA standards. We recognize the importance of accessibility and are dedicated to making our content and services accessible to all users.Steps Towards Compliance:
Ongoing Development: We are continuously updating our website to improve accessibility features and ensure that all content is accessible to users with disabilities.Testing and Feedback: We welcome feedback from users regarding any accessibility issues they encounter. Please contact us at [email protected] to report any difficulties or suggest improvements.Compliance Goals: Our goal is to achieve full compliance with WCAG 2.1 AA standards and to maintain ongoing accessibility as we update and expand our website.Known Limitations:
At this time, certain areas of our website may not be fully accessible. We are working to address these limitations and provide alternative formats or solutions where possible.Contact Information:
For any questions or concerns about accessibility on our website, please contact us at:Email: [email protected]Phone: 1-805-372-2366
Toll-free: 1-888-435-2366We appreciate your patience and understanding as we work towards creating a fully accessible experience for all users.