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EnsuraGuard Employer Savings Calculator
Includes Rx & Claims
Premiums are paid pre-tax through a Section 125 cafeteria plan arrangement, reducing taxable payroll. The savings come from straightforward tax arithmetic — not projections.
Plan levels are calibrated to each employee’s payroll, so participating employees see no reduction in take-home pay.
85% of workers’ injuries occur off the job (National Safety Council, 2024) — where most hourly workers have no coverage. EnsuraGuard pays cash benefits directly to employees for covered off-the-job accidents, and its prevention education works to reduce injuries on and off the clock.
56% of employed Americans say voluntary benefits such as accident coverage make them more likely to stay (Voya, 2023). Because enrollment is automatic and take-home pay is protected, 100% of your eligible workforce has this coverage — and knows it.
All savings figures are estimates for illustrative purposes only, based on national data sources (Ensura payroll model using KFF/CMS/Milliman assumptions; NCCI via NSC Injury Facts, accident years 2022–23; National Safety Council, 2024; BLS; Center for American Progress; Voya Financial, 2023 — retention figures reflect employee-reported likelihood). Payroll tax savings are computed from 2026 federal brackets, standard deduction and Social Security wage base (IRS Rev. Proc. 2025-32; SSA 2026) and 2026 state income tax schedules, modeling a single filer with no dependents across a normally distributed wage band; injury and retention figures are illustrative estimates, not projections. Actual results vary with each employer’s workforce, claims experience, payroll, and applicable state rules, and are not guaranteed. EnsuraGuard™ is a limited benefit, fixed-indemnity accident insurance plan; it is not comprehensive medical coverage, is not a substitute for major medical insurance or workers’ compensation coverage, and does not coordinate with other coverage. Telehealth and prescription-savings services are complimentary non-insurance services provided separately from the insurance plan. Nothing herein is intended to discourage, delay, or interfere with the reporting of any work-related injury, which must be reported in accordance with applicable workers’ compensation law. Plan levels are calibrated to each participant’s payroll so that participation does not reduce take-home pay. Ensura does not provide tax or legal advice; employers should consult their own advisors. For employer evaluation only — this is not an employee enrollment document.
OUR CORE SOLUTIONS
VANTAGE ENSURA
EnsuraGuard
Additive Benefits that Reduce Costs
A synergistic accident plan with concierge medicine benefits designed to complement your current coverage or provide coverage if no existing plan is available. Reduce payroll expenses annually while improving employee satisfaction.
Amaze
Complete Virtual Solution
With the touch of a button, we take care of most medical needs right away. When you need help with the other aspects of healthcare, like insurance questions, medical billing, or finding a specialist, our team helps put you on the right path, and we support you every step of the way.
Rx Program
1,100+ commonly used meds at $0 copay
EnsuraGuard includes prescription savings through RxValet, giving enrolled employees access to 1,100+ commonly used medications at $0 copay. Plus, significant discounts on non-formulary name brand drugs. This is designed to reduce out-of-pocket prescription costs for employees without changing the employer’s existing health plan.
