• Elite Employment Benefit Plan

  • A Private Health Services Plan (PHSP), is an inexpensive way for employers and sole proprietors to offer tax-free health benefits to employees, their dependents and themselves.

    A PHSP provides health benefits that are 100% deductible to employers and 100% tax-free to employees. The plan is simple to setup, has no monthly premiums and provides significant savings compared to traditional health insurance plans.

  • The health plan is available to both incorporated businesses and unincorporated (partnership and sole proprietors) businesses but with different restrictions. The plan covers health expenses of the employees and their families including their dependents.

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  • Incorporated businesses may offer the plan to all or some employees. You have the flexibility to specify spending limits for classes of employees. Employees must be actively involved in the business and must receive the plan in their capacity as employees (not as shareholders).

    Unincorporated businesses may also qualify for PHSP but with more restrictions on the annual spending limits and the qualification criteria. Individuals must be actively engaged in the business and must meet certain income test criteria. Depending on the number of employees, the maximum allowable annual deduction may be limited to:

    $1,500 for each proprietor, spouse, and dependents over the age of 18 and
    $750 for each dependent under the age of 18.

    More details on the limits and criteria can be found.