Employee Benefits

It can be difficult for business owners to find opportunities to save money while taking care of their employees and at the same time. The beauty of Liberty National’s Worksite Advantage Section 125 Cafeteria Plan is you can do just that and more!

Keep your business attractive to skilled workers by helping employees gain access to pretax products, while still reducing your business’ taxable contributions.

Section 125 Cafeteria Plan

Give your employees access to a variety of pretax payroll deductible products with Liberty National’s Section 125 Premium Only Plan. Our plan is available to small and large corporations, local and state groups, and school systems*. We also offer a Standard Payroll Deduction Plan that offers after-tax products♦. Our trained Agents can help you decide which plan best fits your business needs.


As an employer, taking care of current employees, remaining competitive to attract more skilled workers, and saving money are some of the most important parts of running a business. You want to provide your employees with benefits that can make a real difference in their lives, while reducing the costs of offering supplemental insurance benefits. With Liberty National’s Worksite Advantage Section 125 Cafeteria Plan, you can do just that and more! You can offer a voluntary benefits package that reduces taxable contributions for your business while helping employees gain access to pretax products.

Why Take Advantage of a Section 125 Cafeteria Plan?

Many business owners have taken advantage of the Section 125 tax law created by the Internal Revenue Service (IRS) to save money on state and federal payroll taxes. A Section 125 Cafeteria Plan also lowers taxable income for employees. By giving employees the opportunity to purchase pretax products, you can significantly increase employee retention and morale.

Employees need access to voluntary benefits because:

  • 57% of personal bankruptcies are related to a major individual healthcare crisis
  • Injuries are the leading cause of death for people under age 45 in the United States
  • 50% of American families say they need more life insurance for final expenses
  • 3 out of 4 families are affected by cancer


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