The Lofton Agency

Education Saturday…

What is a SIMERP?

A SIMERP (Self-Insured Medical Expense Reimbursement Plan) is an employer-sponsored benefits strategy that uses provisions of the tax code (typically Sections 105 and 125) to reduce payroll taxes and provide additional employee benefits. It is an ongoing employee benefits program, not a government loan or grant.

Was the PPP Loan a SIMERP?

No, the PPP (Paycheck Protection Program) was not a SIMERP.

The PPP was a federal COVID-19 relief program created under the CARES Act. It provided forgivable loans to businesses to help keep employees on payroll during the pandemic. If the money was used properly (primarily for payroll and certain business expenses), the loan could be forgiven and effectively become a grant.

I EHP a SIMERP?

Yes, it is!

What is the connection between the PPP and EHP?

The reason they often get mentioned together in your EHP/SIMERP conversations is that:

* PPP showed which companies had employees and payroll.
* Companies that qualified for PPP often have the type of workforce that may qualify for SIMERP/EHP savings.
* Both programs can improve cash flow, but they do it in completely different ways.

For example, if a company received a PPP loan in 2020, that does not automatically mean it had a SIMERP. However, that PPP recipient may be a strong prospect for an EHP/SIMERP review because it already demonstrated payroll expenses and employee headcount.

“The PPP was a temporary government relief program. EHP/SIMERP is an ongoing IRS-compliant employee benefits strategy that may reduce payroll taxes and enhance employee benefits year after year.”

Every employee that jumps out of bed before the sun comes up to get the children off to school then hits the clock from 9 to 5 deserves the comforts EHP.

Owners, CEO’s, CFO’s, POE’s and Directors, you all deserve the payroll tax breaks that EHP provides. Hit me up and let’s see if you all qualify.

Employers, contact me at [email protected]

Who Is Robert Lofton?

I am a business owner, energy advocate, and community builder focused on creating long-term solutions that impact both people and the planet.

Through The Lofton Agency, LLC and my work in solar energy, I am committed to helping communities understand and access clean, sustainable power. I believe energy is not just a utility — it is the foundation of independence, security, and generational legacy.

My mission is simple:
To help create a future where families never have to worry about whether the lights will stay on.

I am also the founder of a nonprofit initiative dedicated to supporting families and strengthening communities, because real success is not just measured in business — it is measured in impact.

With decades of experience, resilience through challenges, and a clear vision forward, I am focused on:
• Expanding access to solar energy
• Building strategic partnerships
• Creating opportunities for others
• Leaving a legacy for the next generation

If you are interested in clean energy, community impact, or collaboration opportunities, let’s connect.

In addition to my work in solar energy and community development, I also help businesses explore strategic benefit programs that can reduce costs while supporting their employees.

Through the Essential Health Plan (EHP), I work with companies to identify opportunities tied to existing tax structures that may provide health benefits to employees at no additional cost, while potentially creating financial advantages for the business.

If you are a business owner with 25 or more employees and are open to exploring new solutions, I welcome the conversation.