Idilus HR

What’s Included

Who is Idilus?

Idilus is a national PEO with administrative offices in Chicago and the NY Metropolitan Area. They specialize in serving smaller high end service businesses that expect white glove service. They are most often characterized in the industry as a “Boutique PEO”. Idilus is a PEO that is a co- employer organization that has the capability of AGGREGATING hundreds of small employers including sole proprietors allowing each small businessperson to purchase better, more cost effective employee benefits while receiving services that are reserved for Fortune 100 companies.

Who is this program available to?

This program is being rolled out to the New York Metropolitan area with enhanced benefit options. It will cover all businesses from one employee (sole proprietor) to one hundred.

The minimum annual payroll for sole proprietors is $19,000 annually. Federal, State and local Tax Services are processed as part of the basic package.

How does it work?

Idilus’ responsibilities under their agreement with the employer include the setting up of a payroll relationship with each business and their employees even if there is only one employee, a sole proprietor. The small business employees (including sole props) are also W-2 employees of Idilus, a PEO. Each small business owner (sole props included) will determine the payroll frequency they wish to utilize. The payroll frequency could be bi-weekly, semi-monthly, or monthly. Idilus will at each pay date deduct from the ‘business account’ the gross payroll and all taxes associated with the payroll being paid. This is the same procedure that payroll companies such as ADP and Paychex utilize, they deduct the employee and employer taxes with each payroll. The taxes will then be forwarded on, lessening or eliminating the need for sole proprietors to have to file estimated quarterly taxes (they should check with their accountant). The “pay check” will be net of all taxes due for that pay period. The actual EMPLOYEE “pay check” will be direct deposited back into the account the employee has chosen, seventy two (72) hours after the payroll encumbrance. Idilus as stated earlier will be deducting both the employer portion as well as the employee portion of the taxes due.

Idilus, once they receive the paperwork and applications fully completed, will contact each new employer group to set up their payroll & enroll them in the medical benefits plan. PEO fees, medical premium & any ancillary insurance coverages will be billed prior to the coverage month and due by the 1st of the month. Example Julys first premiums and fees Are due July 1st. Employee payroll withdrawal will occur 3 days before employee pay date. Example: July 15th payroll will be withdrawn on July 12th.

Idilus’ PEO Products & Services

Idilus does not have management responsibility for your employees; they merely provide benefits and payroll expertise along with HR support. Idilus is not interested in running their clients business only advising as needed.

*Workers Compensation Insurance; is provided to most member firms as part of the basic package charge. This is a benefit for sole proprietors who currently can’t carry workers comp. Everest is the workers comp carrier.

NY State Disability Insurance (DBL); is provided to all employers, down to one life, Deducted and remitted by Idilus to the carrier.

NJ State Disability Insurance (TDB) ; is provided to all employers, down to one life, Deducted and remitted by Idilus to the carrier.

Unemployment Insurance; with Idilus is being extended to Sole Proprietors. Sole Props will be covered for unemployment insurance benefits. They will be eligible for them upon separation of service form Idilus.

*Tax & Payroll services; is provided as part of the basic package. Payroll frequencies are:

Sole Props:

Monthly

Groups:

Weekly, Bi-weekly, Semi-monthly, monthly

Each employer will choose the frequency that best fits their situation.

*Employee Assistance Program (EAP); Idilus sponsors an EAP and it is available to all employee groups down to one life.

*Employers Practice Liability Insurance; Idilus provides to all member employers as part of the basic package an Employees Practice Liability policy, and Human Resource consulting as needed.

EPLI Plan Specs: $25,000 Deductible, $1,000,000 per claim maximum, $3,000,000 Aggregate per group.

Sole proprietors will now be able to budget their tax payments with their payroll frequency, not having to file estimated quarterly taxes. Sole proprietors will receive Unemployment Benefits & Workers Compensation. FUTA and SUTA payments will be deducted and remitted as the Federal, State, and local taxes are.

*Included in basic services. (There is no additional charge for these products and services)

All applications need to be submitted by the last day of the month prior to the effective date. (Effective dates can only be 1st of the month)

Enroll Now | Payroll Example | Ancillary Benefits | Find A Physician 

NY Sole Prop 2018 Retail Rate
Rate Tiers 618001
Flex
1000
PPO
618006
Flex
2500
PPO
618005
Flex
5000
PPO
618011
Choice EPO
600
EPO
618012
Choice 100
PPO
PPO
618013
Choice 2000
PPO
HDHP
618000
Choice 6350
PPO
HDHP
Employee Only $795.10 $788.25 $750.52 $826.60 $881.70 $777.88 $719.32
Employee Spouse $1,603.61 $1,588.55 $1,505.64 $1,672.83 $1,793.90 $1,565.77 $1,437.07
Employee Child(ren) $1,367.78 $1,355.11 $1,285.38 $1,426.00 $1,527.82 $1,335.95 $1,227.72
Family $2,142.63 $2,122.10 $2,009.07 $2,237.01 $2,402.06 $2,091.04 $1,915.59
Deducible In Network $1,000/$2,000 $2,500 / $5,000 $5,000/$10,000 $600/$1,200 $0 / $0 $2,000 / $4,000 $6,350 / $12,700
Deductible Out of Network $2,000/$4,000 $5,000 / $10,000 10,000/20,000 NA $3,000 / $6,000 $4,000 / $8,000 $6,500 / $13,000
Out of Pocket Max In Network $6,350/$12,700 $5,500 / $11,000 $6,350/$12,700 $6,000 / $12,000 $4,000 / $8,000 $4,500 / $9,000 $6,500 / $13,000
Out of Pocket Max Out of Network $7,000/$14,000 $11,000 / $22,000 $12,500/$25,000 NA $8,000 / $16,000 $7,000 / $14,000 $13,000 / $26,000
Primary Care Visit $30/50% $30 / 50% $30 / 50% $30 $30 / 40% $30/40% $30/40%
Specialist Office Visit $50/50% $50 / 50% $50 / 50% $50 $50 / 40% $50/40% $50/40%
Co-Insurance 20%/50% 0%/50% 0%/50% 0% 0%/40% 20%/40% 0%/40%
Diagnostic X-Ray 20%/50% 0% / 50% 0% / 50% $50 $50 / 40% 20% / 40% 0%/40%
Diagnostic Lab $35/50% $35 / 50% $35 / 50% $35 $35 / 40% $35 / 40% $35 / 40%
Imaging (CT/PET/MRI) 20%/50% 0% / 50% 0% / 50% $100 $100 / 40% 20% / 40% 20% / 40%
Generic $10 $10 $10 $10 $10 $10 $10
Preferred Brand Drugs $35 $35 $35 $35 $35 $35 $35
Non-Preferred Brand Drugs 25% 25% 25% 25% 25% 25% 25%
Specialty Drugs 25% 25% 25% 25% 25% 25% 25%
Emergency Services $150 copay ($1,000 max then
ded 20%)
$150 copay 0% up to $1,000 max
then ded
$150 copay 0% up to $1,000 max
then ded
$250 $250/$250 20% / 20% $200 / 20%
Urgent Care $50 ($300 max then ded
20%)/50%
$50 ($300 max then ded)/50% $50 ($300 max then ded)/50% $75 $75/40% 20% / 40% $70 / 40%
Mental Health Outpatient $50/50% $50 / 50% $50 / 50% $50 $50 / 40% $50 / 40% $50 / 40%
Mental Health Inpatient 20%/50% 0% / 50% 0% / 50% $750 $500 / 40% 20% / 40% $150 / 40%
Substance Use Disorder Outpatient $50/50% $50 / 50% $50 / 50% $50 $50 / 40% $50 / 40% $50 / 40%
Substance Use Disorder Inpatient 20%/50% 0% / 50% 0% / 50% $750 $500 / 40% 20% / 40% $150 / 40%
Prenatal & Postnatal Care 20%/50% 0% / 50% 0% / 50% $0 0% / 40% 20% / 40% 0% / 40%
Delivery and all inpatient services 20%/50% 0% / 50% 0% / 50% $750 $500 / 40% 20% / 40% 0% / 40%
Home Health Care 20%/50%-60 visits 0%/50% 0%/50%-60 visits $50-60 visits $50 / 40% 20% / 40% 0% / 40%
Chiropractic Care 20%/50%-30 visits 0%/50%-30 visits 0%/50%-30 visits $50-30 visits $50 / 40%-30 visits 20% / 40%-30 visits 0% / 40%-30 visits
Rehabilitation Services 20%/50%-30 visits 0%/50% 0%/50%-30 visits $50-90 visits $50 / 40%-90 visits 20% / 40%-90 visits 0% / 40%-90 visits
Habilitation Services 20%/50%-30 visits 0%/50% 0%/50%-30 visits $50-90 visits $50 / 40%-90 visits 20% / 40%-90 visits 0% / 40%-90 visits
Eye Exam No charge No charge No charge No charge No charge No charge No charge
Glasses/Dental Care Not Covered Not Covered Not Covered Not Covered Not covered Not covered Not covered