DigitalFlex® is a 21st Century solution for employee benefits that recognizes the challenge of cost control for the employer versus the need to attract and retain quality employees.
 Benefits are now a significant percent age
of employee payroll – anywhere from 25 to
40 percent based upon the type of plans
provided. Premium increases for health, dental
and vision plans now effectively “crowd out”
the ability for employers to offer wage
increases on a regular basis. It pretty much has
become one or the other - especially for smaller
employers. The DMCO DigitalFlex® solution allows you to set your benefit budget each year based upon what you can afford – not what insurance costs. You provide a “credit” or voucher for each employee based upon any non discriminatory plan design you wish. While you can change this amount every year as you so desire, in most cases our customers move toward a “Total Compensation” plan design by simply increasing wages as much as they can afford each year and allowing each employee to decide how they will use the increase – in take home pay or to pay for any additional benefit costs.
 If the amount of money available for wages
and benefits is limited, the fairest and best
thing you can do for each employee is to have
a wage and benefit program that allows them
to choose how they wish to divide their total
compensation based upon their respective
needs and desires on an annual basis. The key
to this is having a number of choices for health,
dental, life, disability, and retirement plans. DigitalFlex® from DMCO provides employers
with as few as 25 employees (and in some special cases less) multiple plans for each portion of insured coverage allowing each employee to build a wage and benefit structure that best fits their specific needs and lifestyle choices.
Empowering your employees to control their own “Total Compensation” while recognizing the reality of budget constraints is exactly what DigitalFlex® is designed to do for organizations with 25 to 250 employees.
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