Are FICA optimization strategies legal?

Yes. When structured and administered properly, these strategies rely on established provisions within the Internal Revenue Code, including Section 125 cafeteria plans, along with proper documentation, compliance, and ongoing administration.

Is this considered a tax avoidance strategy?

No. These approaches are centered on offering employees access to qualified, IRS-recognized benefits. Any payroll tax impact is a natural byproduct of how those benefits are treated under existing tax rules, not the primary objective.

Do employees actually benefit from these programs?

Yes. The primary purpose is to enhance the employee value proposition by providing access to meaningful benefits, greater flexibility in compensation structure, and programs that support overall well-being.

What types of companies are a good fit?

Organizations with 20 or more W-2 employees are typically strong candidates. These strategies can be effective across small, mid-sized, and large employers, particularly those looking to improve retention and modernize their benefits offering.

Are these programs complicated to implement?

Implementation requires proper planning, documentation, and administration, but with experienced guidance, the process is straightforward and scalable when structured correctly from the outset.

Will this disrupt our current benefits or broker relationships?

No. These strategies are typically designed to complement existing benefits programs, not replace them. In many cases, they can be integrated alongside a company’s current broker and benefits structure.

614-805-0588

Uncompensated Care Recovery for Hospitals

Recover the uncompensated care your hospital writes off as bad debt

Revenue tied to personal-injury claims and workers’ comp — settled through insurance and litigation, then recovered from institutional payers, never your patients.

No upfront cost
Patients are never billed
No workflow disruption
HIPAA-compliant

Request a free recovery assessment

Where your encounters meet active court and insurance activity, there’s recoverable revenue.

The problem isn't your revenue cycle — it's visibility

The money exists. Hospitals just can’t see it.

When a patient is injured by a third party, two systems that don’t talk to each other are triggered: the healthcare reimbursement system and the legal & property-and-casualty insurance system. The result is a silent settlement — the hospital is paid by no one.

Care is delivered

The hospital provides care to an injured patient and bills as usual.

The claim moves

Those medical records become evidence in a personal-injury claim or lawsuit.

The case settles

An insurer or settlement pays the patient and the attorneys.

The hospital is left out

It’s never notified, never made part of the process, and never paid.

These encounters are written off as uncompensated care or bad debt — revenue that was recoverable all along.

What the data shows

Recoverable revenue hiding in plain sight

Across hospital clients in 2025, matching encounters to court and insurance activity surfaced revenue that traditional revenue-cycle processes never see.

$1B+

In recovery opportunities identified for hospital clients in 2025

23,000+

Matched court cases tied to written-off encounters

~7%

Of reviewed ER encounters matched to an active claim

Figures reflect aggregate 2025 results across participating hospital clients. Individual results vary by patient population, case mix, and data availability.

How it works

A continuous discovery and recovery process

Powered by patent-pending technology that continuously monitors civil court dockets and insurance data nationwide — with virtually no administrative burden on your staff.

Discover

Match your encounters to active litigation and applicable property-and-casualty coverage.

Validate

Confirm each opportunity against primary-source court and insurance records.

Pursue

Notify the relevant institutional parties of the hospital’s reimbursement opportunity.

Recover

Funds are remitted directly to the hospital — sourced only from institutional payers.

What we cover

Encounter and case types we surface

Recovery opportunities span the full range of accident- and injury-related encounters that move through the courts and insurers.

Automobile accidents Trucking & commercial vehicle Railroad & transit injuries Workers’ comp & workplace injuries Premises liability (slip & fall) Product liability Explosions & burns Estates & bankruptcy Mass tort litigation

Built to be safe by design

Recovery that stays in its lane

This program is built to protect patients, your staff, and your existing revenue cycle — it adds a recovery layer, it doesn’t replace one.

Institutional payers only

Recovery is pursued solely against institutional third parties — insurers and settlements.

Patients are never billed

No patient is ever billed or pursued for payment, under any circumstances.

No upfront cost

Engagement is contingency-based — you pay only when revenue is recovered.

Complements your RCM

Integrates alongside existing revenue-cycle operations with minimal staff involvement.

HIPAA-compliant

Full HIPAA-compliant data handling throughout the engagement.

Transparent reporting

Monthly reporting on recovery activity and performance.

How an engagement works

Start with a look back. Stay protected going forward.

Step one · Retrospective

5-year lookback recovery

A one-time review of up to five years of written-off encounters, on a contingency basis with no upfront cost — turning charged-off accounts into recovered cash.

Reviews historical uncompensated-care encounters
Surfaces active and previously settled claims
You pay only on what is recovered

Step two · Ongoing

Continuous monitoring

Once aged accounts pass roughly 180 days, new encounters are reviewed on a rolling basis — so future recoverable revenue is captured instead of quietly lost.

Daily review of qualifying aged accounts
Prevents future revenue leakage
Same patient-safe, institutional-only model

Illustrative case study

Urban mid-size hospital — 240 beds

Against five years of write-offs, a fully automated review identified patients pursuing personal-injury claims in court.

$10M+ in recoverable revenue identified

Surfaced from court cases the hospital had no visibility into — with forecasted future annual recoveries on top.

Anonymized client data, presented for illustration. Results vary by facility, patient population, and data availability.

See what your hospital is leaving on the table

Request a free recovery assessment. There’s no upfront cost, no staff burden, and no obligation — just a clear look at the revenue you may be writing off.

Request a free recovery assessment