Wellness Suite · legacy product
The score opens the conversation. The intervention closes the loop.
The Intervention Framework is part of our Wellness Suite — FinVeil's original product line. It remains available for employers who want workforce financial health data alongside their payment infrastructure.
FinVeil is more than a dashboard. Every HIGH or CRITICAL alert comes with a concrete next step — a specific referral, a specific conversation, a specific tool.
The closed loop
Score → Alert → Action → Referral → Outcome.
01
Score
FinVeil computes every employee’s 0–100 stress score from payroll data after every payrun.
02
Alert
HIGH / CRITICAL scores raise an alert with the leading contributing factor.
03
Recommended action
Every alert ships with a specific next step — not a generic "intervene" line.
04
Referral record
Record a referral to a debt counsellor, EAP, or financial wellness provider you have chosen.
05
Outcome tracking
The score change since referral is tracked over 90 days.
The playbook
What to do at every risk band.
Monitor, share tools
- •Grant LoanIntel + Tax Assistant self-service access
- •Month-over-month score trend only — no referral
- •Include in the quarterly wellness communications
Coach, don’t escalate
- •Offer an opt-in financial wellness coaching session
- •Share the inflation-impact dashboard so employees see the real cost-of-living delta
- •Review again after next payrun — flag any upward trend
Schedule within 7 days
- •Confidential 1:1 within 7 days — HR manager, not line manager
- •Refer to a vetted debt counsellor or an approved EAP partner
- •Offer an earned-wage advance if cash-flow is the proximate cause
- •Enrol in the FinVeil financial wellness curriculum
Immediate action
- •Confidential 1:1 within 48 hours — bring payroll + benefits together
- •Immediate referral to a registered debt counsellor
- •Review for garnishee orders and unauthorised deductions
- •Flag for executive oversight if the same employee stays CRITICAL for 3 consecutive payruns
Run the numbers
Estimate the cost with your own assumptions.
Intervention ROI
The cost of doing nothing.
Plug in your own assumptions. This is an illustrative estimate, not research or customer data, and it assumes the subscription removes the loss you enter.
Employees at risk
150
Annual productivity loss
R 11 192 727
FinVeil payback period
5 days
Illustrative only. Uses your assumption of 27 lost working days per at-risk employee per year and an assumed fully loaded daily cost of ~R2 764 (salary ÷ 220 days × 1.6). Payback uses the Growth tier list price of R12,500/month.
The referral network
FinVeil connects struggling employees to …
Every HIGH / CRITICAL alert can be linked to a referral record. You choose and contract the providers; FinVeil records the referral and tracks the score change.
Debt counsellors
Practitioners who handle over-indebtedness reviews and negotiate restructures with creditors on the employee’s behalf. You choose and contract them; FinVeil has no partner network.
Employee Assistance Programmes
Confidential, short-term counselling benefits through the employer’s existing EAP vendor. FinVeil records the referral; it does not send anything to the vendor.
Financial literacy providers
Short-form curricula covering budgeting, debt, retirement, and tax — delivered as digital courses or lunch-hour webinars.
Earned-wage advance providers
Regulated advance services that let employees draw against already-earned wages when cash-flow is the proximate stressor.
Outcome tracking — prove it to your board
An intervention without measurement is a ritual. FinVeil tracks every referred employee's score delta over a 90-day window and surfaces the aggregate on the app dashboard.
The /interventions app page shows every employee referred, the partner they were sent to, the intervention status (PENDING → IN_PROGRESS → COMPLETED), and the before/after score delta. One monthly export is all you need for the board pack.
Ready to close the loop?
Payroll upload and scoring are on paid plans. Talk to us about the Wellness Suite.