Designed with
Union Leadership in Mind
Designed with Union Leadership in Mind
Strengthening Unions Through Real, Zero-Cost Benefits
Union leaders carry the responsibility of protecting their members’ well-being — on and off the job. At Union Plan 125, our mission is to make that easier.
We’ve partnered with trusted organizations across the country to bring unions a fully compliant, zero-cost IRS Section 125 IRC Cafeteria Plan benefits program that adds tangible value for every member. The result is a plan that enhances existing health coverage, increases satisfaction, and puts real dollars back into your members’ pockets — without adding administrative burden or cost to the union or employer.
Through our collaboration with Champion Health Services, we handle the setup, education, and compliance so you can focus on what matters most — representing your members.
This is a win-win for leadership and membership alike: a stronger benefits offering, improved retention, and measurable tax savings that can be reinvested into your local’s priorities and community initiatives.
Employer Benefits
EMPLOYER BENEFITS
Pre-Payroll FICA Tax Savings
Save an average of
$47.80
Per member/per month
For 1,000 members:
➤ $47,800/month
➤ $573,600/year
in payroll tax savings
UNION MEMBERS
Average Pay Increases*
$123.00
Per member/per month
24/7/365 Access to:
100% Unlimited Prevention Medical Physical and Health Wellness Care
$0 Copay
$0 Deductible
For Members Only:
In-Person Primary Care
In-Person Urgent Care
Virtual Benefits for Member & Family
Average varies based on the member’s region, job classification, and other factors contributing to savings and equivalent amounts.
LOCAL
UNION
After enrolling in
The CHAMP Plan
Union Plan 125 has an
optional offer for you
Donation to
501(c) Charity
Support for your Union
Local Non-Profit
Initiatives:
Offering a per member monthly donation to your Local 501(c)(3) nonprofit organization to support impactful community initiatives. Union Plan 125 will become a Sponsor to participate and support in the Union’s outreach.
Immediate Savings
A IRS Section 125 IRC Cafeteria Plan creates instant and guaranteed tax savings for unions and their contributing employers. By allowing members to use pre-tax dollars for eligible benefits, it reduces taxable wages—lowering FICA expenses and putting more take-home pay back into members’ pockets from day one. This is a responsible financial decision that delivers real savings without increasing union costs.
Non-measurable Savings
Beyond the immediate tax advantages, a IRS Section 125 IRC Cafeteria Plan strengthens union culture and long-term financial health. When members feel supported with meaningful benefits, morale increases, loyalty grows, and turnover decreases—saving unions time, resources, and the hidden costs of member disengagement. These quality-of-life improvements create a stronger, more unified membership.
Offloading Claim Savings
A IRS Section 125 IRC Cafeteria Plan can help reduce the strain on traditional health insurance plans when certain services are accessed outside of the primary group health policy. Fewer claims contribute to more stable healthcare costs and can help protect unions and employers from steep annual premium increases. This proactive approach allows union leadership to safeguard resources and maintain long-term benefit affordability for members.
Why Union Leaders Choose Union Plan 125
Adds Measurable Member Value
Members gain proactive, preventive health care at zero out-of-pocket cost including unlimited primary care visits, mental health support, and family telehealth access. It’s a simple, high-impact way to enhance your existing benefits package while improving quality of life.
Promotes Retention & Satisfaction
When your union members feel cared for, loyalty and connection grows. Offering zero-cost supplemental care builds goodwill, strengthens trust, and reflects leadership’s genuine commitment to the health and happiness of every member you represent.
Ensures Compliance & Simplicity
Every aspect of the Champ Plan operates under IRS Section 125 IRC Cafeteria Plan, ensuring total compliance and transparency. Our trusted partners handle reporting, onboarding, and documentation, making administration easy and worry-free for leadership teams.
Supports Transparency & Trust
Union Plan 125 was built on openness and integrity. With full documentation, clear reporting, and ongoing support, leaders can feel confident that every step of the process meets federal standards and strengthens long-term member trust.
IUPA Local 212
Ready to Learn More?
Book a Union Executive Briefing today to see how Union Plan 125 can strengthen your leadership impact, increase member satisfaction, and deliver real results — all at zero cost to your union or your members.