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SIMERP stands for Self-Insured Medical Expense Reimbursement. It restructures a portion of each employee's compensation under Section 125 of the IRS code as a pre-tax benefit. This reduces the taxable wage base, which reduces the FICA obligation for both the employer and the employee.

No. The mechanism behind SIMerp has been embedded in Section 125 of the IRS code for decades. It's the same framework that governs flexible spending accounts and other pre-tax benefit programs. It's not a gray area — it's legitimate, documented, and fully compliant.

Most CPAs are excellent at what they do, but their job is to file an accurate return based on the information you provide. This strategy sits at the intersection of payroll structure, employee benefits, and tax law — a specialized area that most advisors aren't focused on simultaneously. It may simply not be on their radar.

Yes. The program satisfies all four relevant regulatory frameworks — IRS, ERISA, HIPAA, and the ACA. Every client receives a complete compliance package including plan documents, legal structure, and all administrative records before the first payroll cycle runs.

Every business that goes through the program receives a full compliance package — plan documents, legal structure, and administrative records. Everything an auditor would need to see is prepared and in place before implementation even begins.

Zero Upfront Cost. There is no upfront out-of-pocket cost. The program's economics only work if the client actually saves money, so J.E. Lawrence is fully aligned with you from day one.

Not at all. The program doesn't touch existing coverage. It doesn't compete with it or ask anyone to switch carriers or change plans. It layers on top of whatever coverage is already in place — it's purely additive.

Their take-home pay goes up because their taxable income is reduced. On top of that, they get access to supplemental health benefits — telehealth at no copay, prescription medications at no net cost, and additional coverage options — extended to up to five family members per employee.

Any business with W2 employees paying FICA every payroll cycle. This includes retail, construction, professional services, healthcare, hospitality, and most traditional industries. The short questionnaire before the call is designed to confirm fit quickly.

Yes. The program works alongside existing payroll structures and is compatible with all major payroll platforms. J.E. Lawrence coordinates directly with payroll teams to make the transition seamless. Your CPA doesn't need to rebuild anything.

Fill out the short two-minute questionnaire below the video. From there, a one-on-one call is scheduled where J.E. Lawrence runs the actual numbers for your business. If it's a fit, you'll know exactly what your savings look like. If it's not, they'll tell you that too.