Union Plan 125 - CHAMP Plan
What if you could increase take-home pay for members and reduce union payroll costs — all at zero cost to anyone involved?
That is exactly what we’re delivering.
I’m thrilled to share the launch of my new company — Union Plan 125 — in trusted partnership with Champion Health to bring unions The Champ Plan, a Premium Supplemental Health Benefit that:
• Reduces taxable wages → more money for members every paycheck
• Reduces payroll tax liability → savings back into the union/employer budget
• Offloads claims → helping protect future health benefit renewals
• Supports local nonprofits → community benefit built into every plan
How IRS-Approved Section 125 IRC Cafeteria Plan Creates Zero-Cost Savings — and More Take-Home Pay for Members
A Section 125 IRC Cafeteria Plan allows eligible benefit contributions to be made pre-tax, reducing taxable wages.
That creates:
• Member savings → increased net pay every pay period
• Union/Employer savings → reduced payroll tax liability (FICA 7.65%)
The result:
Zero cost to the employer and zero cost to the member — while saving both money from Day One.
This IRS-approved structure makes the program financially responsible and self-funding, not a budget item.
Turnkey Implementation for Unions
✔ Streamlined rollout and onboarding
✔ Member education sessions + meeting support
✔ Payroll and HR integration handled for you
✔ Direct guidance from start to finish — we do the work
Trusted Labor Partnerships
We proudly work with union leadership across the U.S., including:
• AFL-CIO statewide leadership
• IBEW locals and Progress Meetings
• Teamsters Joint Councils
Our focus: strengthening solidarity and improving member lives.
Why Union Leaders Say Yes
✔ Guaranteed tax-advantaged savings
✔ Better bargaining leverage from reduced claims
✔ Full compliance oversight
✔ No added cost, no premium increase
Member Benefits
✔ Higher take-home pay
✔ Zero-copay primary care & telehealth
✔ Mental health support for families
✔ Prevention → fewer major medical claims
Community Benefits
✔ Charitable dollars returned locally
✔ Families + neighborhoods strengthened
✔ Union leadership visibly supporting community impact
Now leadership can deliver more — without sacrificing anything.
For more details about the "Champ Plan" go to the website UNIONPlan125.com
Next Step — Let’s Connect:
*Schedule a Savings Review
*Let’s Help Working Families