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BeneSphere Unlocks
Your Company's PFML Tax Credits
Paid Family & Medical Leave [PFML] is an increasingly critical employee benefit.
But substantial federal tax credits still go unclaimed by employers.
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PFML Credits Expanded By OBBBA
The One Big Beautiful Bill Act (OBBBA) made IRC Section 45S tax credits permanent for employers and expanded the framework for taxable years beginning after December 31, 2025.
Federal credits of up to 25% can now be claimed by eligible employers on qualifying PFML wages or insurance premiums. But identifying and substantiating those credits is not simply a tax calculation.
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How BeneSphere Unlocks Section 45S
BeneSphere's intelligent, system-agnostic middleware has the embedded benefits understanding to operationalize Section 45S across the fragmented benefits supply chain.
Powered by BENEFITSCAPE, BeneSphere orchestrates existing systems and partners into a governed ecosystem for PFML tax credit readiness, optimization, ongoing execution, and compliance — all managed through a unified BeneSphere dashboard.
Let BeneSphere help identify, substantiate, and execute your organization’s 45S credits.
Unlock up to 25% in federal tax credits on qualifying TY 2026 PFML wages or premiums.
Why PFML Needs an Ecosystem Solution »
PFML: How to Align Federal & State Laws »
Missed Credits. High Risk
Breaking the PFML cycle
Section 45S is not a single-system problem
Payroll, HCM, HRIS, benefits, carrier, leave, finance, and tax systems each manage important parts of the PFML process.
But the data and workflows required to identify, substantiate, and execute 45S credits span all of them.
Without orchestration across the PFML supply chain, employers can be left reconciling siloed data, disconnected workflows, and incomplete evidence — increasing the risk of missed credits, manual effort, and compliance gaps.
BeneSphere breaks this cycle
By orchestrating information and workflows across the benefits ecosystem, BeneSphere turns disconnected processes into a coordinated, governed 45S process — from initial readiness through ongoing execution and compliance.
The BeneSphere 45S Solution
From annual filings
to an always-on ecosystem
Embedded Benefits Intelligence
BeneSphere middleware understands PFML — continuously orchestrating data and workflows across disparate management systems, benefits programs, business contexts, compliance rules, and dynamic user touchpoints and events.
No more year-end Section 45S calculations. BeneSphere's always-on ecosystem maintains PFML credit readiness, execution, and compliance throughout the year.
At BeneSphere's core are three RegTech engines, managed through an ecosystem dashboard
Embedded BeneSphere RegTech
1. Policy/Credits Engine
Audits Section 45S readiness and helps employers and their partners optimize PFML programs for credits from the outset.
2. Execution Engine
Coordinates employee eligibility, qualifying wages, premiums, leave activity, and related data across the benefits ecosystem to support ongoing Section 45S execution.
3. Compliance Engine
Maintains the calculations, controls, and supporting evidence required for filing, with a detailed documentation trail designed to support compliance and audit readiness.
Request a FREE 45S Audit
Put a figure to your potential PFML tax credits
How much could Section 45S be worth to your organization?
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BeneSphere unlocks previously unrealized Section 45S value —
transforming the economics and strategic governance of world-class PFML for your workforce.
Contact BENEFITSCAPE for a free Section 45S Audit.
You'll get an immediate picture of your potential tax credit opportunity —
and the value to your business of BeneSphere.
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