In response to the urgent needs of employers and employees during the COVID-19 crisis, Xformative proudly served as the embedded infrastructure behind a suite of Emergency Response Benefit Accounts offered through its partners throughout 2020.

These benefits were designed to provide rapid, flexible financial support to employees facing personal, regional, or national crises. Xformative’s platform enabled seamless deployment and management of these accounts, delivering real-time ledgering, card issuance, and compliance-ready processing at scale.

Emergency Response Benefits included:

• Emergency Expense Reimbursement Accounts – Covering medical testing, treatments, and dependent care

• Emergency HRAs – Reimbursing out-of-pocket healthcare costs during public health emergencies

• Back-up Care Accounts – Supporting families when regular care was unavailable

• Emergency Loan Accounts – Offering interest-free loans repaid via payroll

• Employee Crisis Funds – Delivering grants to employees facing financial hardship

• Home Office Accounts – Reimbursing remote work essentials

• Work Clothes Accounts – Covering safety gear and uniforms

• Giving Accounts – Enabling charitable contributions with tax advantages

This initiative demonstrated how operational agility and speed were essential. By leveraging Xformative’s flexible architecture, partners were able to launch and scale these benefits quickly—without compromising control or compliance.

We’re honored to have played a role in helping employers support their teams during a time of unprecedented need.