If you remember the ERC, read this.
The ERC paid once.This program can create savings every single month.
This page is for reps. It shows the conversation you can bring to qualifying W-2 business owners: roughly $640 average annual payroll savings potential per employee, added wellness benefits for employees, and no replacement of their existing group health insurance.
Savings are estimates only and are confirmed after a formal eligibility and census review. No savings, benefits, or income are guaranteed.
Quick numbers
$640
roughly average employer savings per qualifying W-2 employee per year
$1,200
roughly average annual employee net pay increase
$1B+
provider partnership behind the program
30-60
days for most approved employers to become active
A short note from Michael
Most people got one shot at the ERC.
When it was done, it was done.
This one is different. It gives you a serious conversation to bring to qualifying W-2 businesses that may create ongoing monthly payroll savings.
You are not selling anything. You ask one question, run one estimate, and book a 15-minute discovery call.
Not hype. Not noise. Just a better version of a play you already understand.
- Michael Beal
What this actually is
What you will be showing business owners.
This is a supplemental wellness benefits strategy for qualifying W-2 employers. Michael Beal is an independent affiliate and does not work for or represent the program provider.
The program pairs these plan components:
It is structured to be in compliance with ERISA, ADA, ACA, and HIPAA. It runs alongside the employer's existing group health insurance and does not replace the employer's current health insurance.
What owners can see
$640 / employee / yr
roughly average payroll savings potential
- +Roughly $640 average payroll savings per qualifying W-2 employee per year
- +No net cost, nothing out of pocket
- +Most employers enrolled and saving within 30-60 days after approval
- +Approximately 3-5 total HR hours to implement, then it runs through normal payroll cycles
What employees can receive
$1,200 / yr
roughly average annual net pay increase
- +Roughly $1,200 average annual net pay increase
- +1,000+ maintenance medications at no cost, home delivered
- +Telehealth
- +Mental health support
- +Urgent care
- +Fitness benefits
- +Existing insurance stays in place
- +Employees can opt out
ERC vs this program
You have seen this movie before. This is the sequel, not the same program.
ERC
- *One-time credit
- *Long processing period
- *Tax paperwork-heavy
- *One commission per deal
- *Window closed
Second Window conversation
- +Monthly employer savings potential
- +Usually active in 30-60 days after approval
- +Program administrators handle plan documents and review details
- +Monthly recurring commissions for reps
- +Open now for qualifying employers
This is a different program. ERC is not being reopened here.
Savings estimator
Run the rough math before you book the discovery call.
Example: 50 employees x roughly $640 average equals roughly $32,000 per year, or approximately $2,667 per month.
Rough estimated annual savings
$32,000
50 employees x roughly $640 average
Rough estimated monthly savings
$2,667
Annual estimate divided by 12
This is an estimate only. Actual results vary by employee salary, headcount, participation, plan structure, and census review. Minimum qualification is generally 10 W-2 employees. Nothing is guaranteed.
That's the number you show the owner. Want in on the rep side?
Talk to Michael First$1B+
exclusive provider partnership
Built on provider-scale credibility.
The program is offered through an exclusive partnership with a $1B+ provider and is built around SIMRP incentives for qualifying employers.
Who may qualify
Here is the kind of business you are looking for.
Reps do not need to explain every detail. Start with these qualifiers, run the estimate, and let the formal census review confirm the numbers.
- +10+ W-2 employees
- +Employees work 30+ hours per week
- +Employees earn $25,000+ per year
- +Employer offers qualified group health insurance
- +W-2 only, not 1099
- +Owner does not personally qualify for the plan
What reps actually do
Ask. Estimate. Book. Earn.
Ask
"Did your business ever receive ERC funds?" Then bridge to a different employer savings conversation.
Estimate
Employees x roughly $640 average.
Book
Book a 15-minute discovery call. The market director explains the program, answers questions, and handles the details.
Earn
If the business enrolls, reps can earn monthly recurring commissions.
No income is guaranteed. Earnings depend on individual effort, activity, eligibility, and completed enrollments.
FAQ
Straight answers before the call.
Next step
You already know business owners. This gives you a better conversation to have with them.
If you worked ERC, you already understand the power of making the right introduction. This is a different program, but the relationship-based play is familiar. Run the estimate. Book the call. Let the experts explain the program.
After signing up as a rep, use the Rep Training link at the top of the page and enter Michael's access code.