A Smarter Path to Employee Health & Financial Security

Save now and cover your employees' deductibles & out-of-pocket expenses.

WellCare is a fully-insured, AI-powered employee benefit that lowers your payroll tax obligation while putting real money back in your employees' pockets — with zero disruption to your existing health plan.

Fully Insured & Fully Funded

State & Federally Regulated

Available Nationwide

Estimate Ticket № 001

See your savings

Enrolled employees

$1,020×—=$0

Work email

No cost. No commitment. We'll walk through the numbers together.

Why It Matters

The financial challenges employees face

Why WellCare Gap matters, in numbers.

2/3

of Americans live paycheck-to-paycheck, spending most of their income each month, risking debt from unexpected expenses or income loss.

Source: MarketWatch Guides 2024 Generational Banking Trends Survey

$9K

is the average annual credit card debt per American household, reflecting financial strain and reliance on credit to cover expenses.

Source: Federal Reserve and U.S. Census Bureau

2/3

of all bankruptcies in the U.S. are related to medical issues, either because of expensive medical bills or time away from work.

Source: American Journal of Public Health (AJPH)

The Program

What is WellCare?

The WellCare Program is a fully-insured, AI-powered employee benefit designed to provide companies of all sizes with the best, most affordable workplace health services.

✓Decrease costs and save money.

✓Expand coverage with affordable benefit options.

✓Improve healthcare utilization and consumption.

✓Promote a culture of health and financial wellbeing.

Hard Dollar Savings

Your Company (500 Employees)

Implement WellCare today and start saving.

Employer Net Savings

$408,000

$1,020 in annual FICA tax savings per enrolled employee

Per-Employee Annual Value

$3,187

Up to $4,453 for employees who use the Gap benefit

Metric	Value
Total Employees	250
Enrollment %	80%
Total Enrolled Employees	400
Average Net Pay Increase	$655
WellCare-Funded Gap Premiums	$2,532
Average Out-of-Pocket Savings (Gap benefit)	+$1,266

Built for Trust

Backed for certainty

Fully insured · Nationwide availability · State & federally regulated

Fully Insured & Fully Funded

All risk is carried by the carrier — not the employer. No self-funding, no claims liability, no reimbursement exposure.

State and Federally Regulated

Licensed and regulated by state DOIs. Subject to federal oversight under ERISA, ACA, and the Internal Revenue Code.

Nationwide Availability

Available in all 50 states. SB.ai reviews each employer's state footprint to ensure compliant designs across every jurisdiction.

Independently Reviewed, Legally Backed

Outside legal opinion confirmed (Hitesman Law, Jan. 2026). $1M legal defense coverage, underwritten by Lloyd's of London.

Underwritten & Reinsured By

American Global InsuranceZurichEverestStandard Life

The SmartBenefits.ai Advantage

One platform. Every function.

Function	SmartBenefits.ai	Others
Benefit Administration	Yes	Limited or None
Payroll Integration & Tax Deduction Processing	Yes	Limited or None
Claims Processing	Yes	Limited or None

Why This Matters

SB.ai succeeds because it operates at the intersection of Insurance (InsurTech), Payroll + Finance (FinTech), and Benefits & Claims Administration. Carriers may support one or two of these areas — but not all three.

Our Advantage

A purpose-built InsurTech + FinTech platform with deep integration across benefit ecosystems, a real-time tax engine for FICA optimization, automated employee-level savings models, and proven scalability and regulatory compliance.

Paycheck Example

John Doe — Single, Age 42, Annual Salary $65,000

John enrolled in two benefits — Gap Medical Supplemental & Hospital Indemnity — complementing his existing PPO plan with up to $5,000 in out-of-pocket coverage, plus cash benefits for hospital stays, ER visits, and ambulance rides.

Monthly PaycheckEmployee Only

	Without WellCare	With WellCare
Gross Pay	$5,417	$5,417
Medical/Dental/Vision/Other	($150)	($150)
Medical Gap ($5,000)	—	($108)
Hospital Indemnity ($1,500)	—	($1,500)
Taxable Income	$5,267	$3,659
Payroll Taxes	($1,102)	($714)
Net Pay	$4,165	$2,945
WellCare Claim Payment	—	+$1,250
Net Take-Home Pay	$4,165	$4,195
Difference	—	+$30 / mo.

The PLLS Solution

One plan. Total protection.

PLLS delivers a single, integrated legal protection plan with two built-in layers of coverage.

Layer 1 — Legal Defense Coverage

PLLS assigns and pays defense counsel directly
Covers attorney's fees, expert witnesses, depositions, audit costs, and more
No deductible — first-dollar coverage from day one
$1,000,000 employer limit | $10,000 per participating employee

Layer 2 — IRS Civil Penalty Indemnity (Built-In Rider)

Included with American Global Insurance HIP Policy — no separate application required
Pays IRS civil monetary penalties assessed against the employer from the Covered Program
$2,500 per covered employee per coverage period*

IRS Investigation Defense

Full defense when the IRS formally investigates the employer's preventive health or health indemnity plan.

DOL Investigation Defense

Coverage for Department of Labor inquiries arising from the plan's establishment and implementation.

Employee-Level Defense

$10,000 per participating employee if they face individual scrutiny tied to plan utilization.

Expert & Audit Fees

Accounting, expert witness, and audit fees are covered as part of the defense.

Deposition & Transcript Costs

Deposition fees, transcript costs, copying, mileage, and delivery expenses are all included.

IRS Civil Penalty Indemnity*

Built-in rider pays civil penalties assessed by the IRS — up to $2,500 per covered employee.

Let's Model Your Actual Numbers

No cost. No commitment.

Provide De-Identified Payroll File

Age, address, deductions, tax exemptions & medical plan elections (template provided).

Optimize Benefit Mix

Our system structures HIP and Gap to deliver the right balance of coverage and savings.

Understand Your Payroll Savings

We use our tax engine to model your FICA payroll tax savings.

Show Employee-Level Impact

We show paycheck-level impact and savings for each employee on your census file.

Let's review it together.

We'll walk through the numbers, answer questions, and explore next steps.