Plan Documents

Many small companies simply do not take advantage of tax advantaged programs to help reduce their benefit costs. Programs such as Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA) Dependent Care Accounts (DDC) and Transit Accounts are often inexpensive to set up and maintain.

The IRS Code has numerous provisions designed to help employers provide essential benefits to their employees tax-free. This saves the employee approximately 30% in income taxes on expenses they’re already paying for, and because the employees have reduced their taxable income, the employer realizes a reduced matching payroll tax liability of approximately 8%. Everybody saves money. To take advantage of these tax deductions the IRS requires that the employer have a written plan document and the Department of Labor and ERISA law require that every employee receive a summary plan description (SPD) explaining the new benefit in easy to understand language.

Sales Pros 4 Hire

Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks!

Mike Hilbert, President, Sales Pros 4 Hire

Total Benefit Solutions Inc Health Insurance and Benefits

5.0

2015-02-02T21:04:03+00:00

Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks! Mike Hilbert, President, Sales Pros 4 Hire

https://totalbenefits.net/testimonials/sales-pros-4-hire/

Christine Taylor

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own.

Christine Taylor: Self Employed

Total Benefit Solutions Inc Health Insurance and Benefits

2016-02-06T12:43:18+00:00

Christine Taylor: Self Employed

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own.

https://totalbenefits.net/testimonials/christine-taylor/

Dr Franklin Strong

Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:53:00+00:00

Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong

https://totalbenefits.net/testimonials/dr-franklin-strong/

Paige Wolf Media & Public Relations

 

Ed and his team put up with all my health insurance panic and drama! In this crazy world of health insurance mania, it's helpful to have someone to put things into perspective - and find you coverage you can live with.  

Paige Wolf, President Paige Wolf Media and Public Relations

 

Total Benefit Solutions Inc Health Insurance and Benefits

2017-12-31T09:25:42+00:00

Paige Wolf, President Paige Wolf Media and Public Relations

 

in this crazy world of health insurance mania, it's helpful to have someone to put things into perspective

https://totalbenefits.net/testimonials/in-this-crazy-world-of-health-insurance-mania-its-helpful-to-have-someone-to-put-things-into-perspective/

Bucks County TMA

When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.)  Bill Rickett, Executive Director

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T10:01:55+00:00

When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.)  Bill Rickett, Executive Director

https://totalbenefits.net/testimonials/bucks-county-tma/

They really know what they are doing

 

They really know what they are doing and will take great care of you! 

Carol Woytus, Vacation Magic Travel

Total Benefit Solutions Inc Health Insurance and Benefits

2017-12-31T09:11:31+00:00

Carol Woytus, Vacation Magic Travel

They really know what they are doing and will take great care of you!

https://totalbenefits.net/testimonials/6287/

Bryan Perchick

As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  

-Bryan Perchick

Total Benefit Solutions Inc Health Insurance and Benefits

4.0

2015-01-26T10:07:47+00:00

-Bryan Perchick

As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  

https://totalbenefits.net/testimonials/bryan-perchick/

S&S Sign Company

I just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up!

Gina Seibel, Vice President S&S Signs

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:26:57+00:00

I just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up! Gina Seibel, Vice President S&S Signs

https://totalbenefits.net/testimonials/ss-sign-company/

The Gannon Agency

“Thanks again for the top notch service that you have provided to my office and to my customers that I have referred to you. Total Benefit Solutions is the best!”.

Steve Gannon, President , The Gannon Agency 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:54:15+00:00

"Total Benefit Solutions is the best

https://totalbenefits.net/testimonials/the-gannon-agency/

Excel Capital Funding

 I knew you were the best. Thank you very much for all your help with my benefits!

Ricky Boone, President-Excel Capital Funding LLC

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:51:33+00:00

 I knew you were the best. Thank you very much for all your help with my benefits! Ricky Boone, President-Excel Capital Funding LLC

https://totalbenefits.net/testimonials/excel-capital-funding/

Uncle Bill’s Country Market

Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed!

– Bill Smith, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:39:44+00:00

Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed! – Bill Smith, President

https://totalbenefits.net/testimonials/uncle-bills-country-market/

Nozak Enterprises

" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! "

Jeff Gross, President Nozak Enterprises, DBA Supercuts

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-25T18:33:50+00:00

" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! " Jeff Gross, President Nozak Enterprises, DBA Supercuts

https://totalbenefits.net/testimonials/nozak-enterprises/

Grossman Public Relations

As the principal in a small firm, nothing can drain me of productive time then handling our insurance renewal each year. But since 2002 we have worked closely with the (Total Benefit Solutions Inc.) who have brought a dedication to the task I had not previously seen. In fact, because of following your advice, I was able to get the top notch specialty medical care I required, where I wanted it and when I needed it most. I can’t thank you enough!

Lou Grossman-President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:49:33+00:00

As the principal in a small firm, nothing can drain me of productive time then handling our insurance renewal each year. But since 2002 we have worked closely with the (Total Benefit Solutions Inc.) who have brought a dedication to the task I had not previously seen. In fact, because of following your advice, I was able to get the top notch specialty medical care I required, where I wanted it and when I needed it most. I can’t thank you enough! Lou Grossman-President

https://totalbenefits.net/testimonials/grossman-public-relations/

Associated Printing & Graphics

Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T13:47:26+00:00

Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics 

https://totalbenefits.net/testimonials/associated-printing-graphics/

Van Dyne Insurance

I have recently gotten to know Ed MacConnell through my LeTip group in Huntingdon Valley and as result, his company, Total Benefit Solutions, Inc. . Ed has shown me and my clients that their firm offers the highest level of integrity, knowledge and service available.

As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them.  Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them.

Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch!
Donna Van Dyne, President VanDyne Insurance Agency

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T13:44:42+00:00

I have recently gotten to know Ed MacConnell through my LeTip group in Huntingdon Valley and as result, his company, Total Benefit Solutions, Inc. . Ed has shown me and my clients that their firm offers the highest level of integrity, knowledge and service available. As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them.  Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them. Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch! Donna Van Dyne, President VanDyne Insurance Agency

https://totalbenefits.net/testimonials/van-dyne-insurance/

Bucks County Women’s Healthcare

Our ten employee medical practice had a large well known insurance broker for years. We always assumed we were receiving the best service. Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation. The savings they provided was equal to 50% of what we were previously paying. In addition we wound up with better medical and dental plans and an overall enhanced benefit program. We couldn’t be more thrilled with the services of Total Benefit Solutions, Inc. Thanks Ed!”

-Carmela Gabrieli Controller, Bucks County Women's Healthcare

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:23:05+00:00

Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation

https://totalbenefits.net/testimonials/bucks-county-womens-healthcare/

over and above the call of duty

 

Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today!

Amy Huber, client

Total Benefit Solutions Inc Health Insurance and Benefits

2017-12-31T09:14:39+00:00

Amy Huber, client

over and above the call of duty

https://totalbenefits.net/testimonials/over-and-above-the-call-of-duty/

Tristar Lighting

Your service and responsiveness is incredible. I’ve never had a better insurance broker!

David Zarrinnia, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:38:35+00:00

Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President

https://totalbenefits.net/testimonials/tristar-lighting/

Amy H

If you two were in front of me I’d hug you right now.  Now I have more money in my checking account than I thought!  AWESOME!

Amy H- Individual Client on the healthcare.gov marketplace

 

 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:32:14+00:00

"If you guys were here I'd hug you!"

https://totalbenefits.net/testimonials/amy-h/

Angelmark Associates

Thank you and your staff for getting back to me so quickly with a resolution to our problem. Yes, You guys are great!

Lisa Kruse, President Angelmark Associates



 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-19T09:35:32+00:00

You guys are great!

https://totalbenefits.net/testimonials/angelmark-associates/

Travel Authority

Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call.  Thank you!

Barry Gerber, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:40:34+00:00

Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call.  Thank you! Barry Gerber, President

https://totalbenefits.net/testimonials/travel-authority/

The MCG Group

 I didnt think it (health insurance) was that complicated until I tried to do it myself! Thank Ed for your help and pointing us in the right direction!

Steve Young, Managing Partner

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:44:52+00:00

 I didnt think it (health insurance) was that complicated until I tried to do it myself! Thank Ed for your help and pointing us in the right direction! Steve Young, Managing Partner

https://totalbenefits.net/testimonials/the-mcg-group/

Sign-A-Rama-Feasterville

“Each year they shop to find me the best prices on my health insurance. And any time there has been a problem, one call to (Total Benefit Solutions Inc.) has resolved everything. Thanks!”

Bob Flemming, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:35:02+00:00

“Each year they shop to find me the best prices on my health insurance. And any time there has been a problem, one call to (Total Benefit Solutions Inc.) has resolved everything. Thanks!” Bob Flemming, President

https://totalbenefits.net/testimonials/sign-a-rama-feasterville/

Shevlin Investments

Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that!

Barry Shevlin, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:34:11+00:00

Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that! Barry Shevlin, President

https://totalbenefits.net/testimonials/shevlin-investments/

Riverside Physical Therapy

I strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch!

Joe Tomasetti, President Riverside Physical Therapy

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:43:27+00:00

I strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch! Joe Tomasetti, President Riverside Physical Therapy

https://totalbenefits.net/testimonials/riverside-physical-therapy/

I am so grateful for the amazing service!

 

I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. He took his time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend!

Ariel Muller

Total Benefit Solutions Inc Health Insurance and Benefits

2017-12-31T09:21:57+00:00

Ariel Muller

I am so grateful for the amazing service!

https://totalbenefits.net/testimonials/i-am-so-grateful-for-the-amazing-service/

Webucast

Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed!

Igor Bogdanov, Principal, Webucast

Total Benefit Solutions Inc Health Insurance and Benefits

4.0

2015-02-02T21:00:50+00:00

Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed! Igor Bogdanov, Principal, Webucast

https://totalbenefits.net/testimonials/webucast/

Chris Handley

I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance.

Chris Handley, Account Executive  Savoy & Associates (United Healthcare)

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T21:00:40+00:00

I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance. Chris Handley, Account Executive  Savoy & Associates (United Healthcare)

https://totalbenefits.net/testimonials/chris-handley/

Kris Kreisher

We are very happy with George's plan - do we need to do anything to renew? Thank you very much for all your help!! I am so glad I found you a couple of years ago!!!! 🙂     

-Kris Kreisher

Total Benefit Solutions Inc Health Insurance and Benefits

2016-02-26T18:37:55+00:00

I am so glad I found you a couple years ago!!!! 🙂

https://totalbenefits.net/testimonials/kris-kreisher/

Stephen Forbus

Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you!

Stephen Forbus

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:23:16+00:00

Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you! Stephen Forbus

https://totalbenefits.net/testimonials/stephen-forbus/

BKZ Contractors Inc.

I found out the hard way what having the wrong coverage can truly cost. Even though I had insurance I found out later that my child’s birth was not covered and I had to pay 100% of the costs. After that I found the guys at EMA (Total Benefit Solutions Inc.) and Ed found me a plan that was not only better, the premiums were lower as well. Thanks again!

Brian Zeldes, President BKZ Contractors Inc.

Total Benefit Solutions Inc Health Insurance and Benefits

5.0

2015-01-26T10:02:52+00:00

I found out the hard way what having the wrong coverage can truly cost. Even though I had insurance I found out later that my child’s birth was not covered and I had to pay 100% of the costs. After that I found the guys at EMA (Total Benefit Solutions Inc.) and Ed found me a plan that was not only better, the premiums were lower as well. Thanks again! Brian Zeldes, President BKZ Contractors Inc.

https://totalbenefits.net/testimonials/bkz-contractors-inc/

CBDI, Inc

Ed is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people!

Amy Murray Hyde, Account Representative, CBDI, Inc.

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T21:00:34+00:00

Ed is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people! Amy Murray Hyde, Account Representative, CBDI, Inc.

https://totalbenefits.net/testimonials/cbdi-inc/

Prodigy Learning Center

"Hi Ed, I just wanted to let you know how great Rochelle has been with our insurance issues. She has been so helpful to me. I don’t know if people take the time to tell you when your staff is doing a great job, but I wanted to let you know. She is great!! Thanks. "

Christine Viteo, R.N. Executive Director,  Prodigy Learning Center Philadelphia.

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:47:16+00:00

I just wanted to let you know how great Rochelle has been with our insurance issues.

https://totalbenefits.net/testimonials/prodigy-learning-center/

Total Child Care

I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys?

Pete Altman, CEO

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T21:15:08+00:00

I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? Pete Altman, CEO

https://totalbenefits.net/testimonials/total-child-care/

Bruce McIntyre

Ed, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyre

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:24:16+00:00

Ed, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyre

https://totalbenefits.net/testimonials/bruce-mcintyre/

Pete’s Clown House Luncheonette

Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth.

Ron Bordone-President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:44:33+00:00

Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth. Ron Bordone-President

https://totalbenefits.net/testimonials/petes-clown-house-luncheonette/

Zola Makrauer DMD

Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-09T07:53:06+00:00

Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD

https://totalbenefits.net/testimonials/zola-makrauer-dmd/

Greenwood Financial Services

I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums!


-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial

Total Benefit Solutions Inc Health Insurance and Benefits

4.0

2015-02-27T13:37:43+00:00

I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums! -Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial

https://totalbenefits.net/testimonials/bob-lankin/

David Fiebert Inc

We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks!

-David Fiebert, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:55:24+00:00

We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks! -David Fiebert, President

https://totalbenefits.net/testimonials/david-fiebert-inc/

Caddick Construction

I endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way!

David Caddick, President of Caddick Construction

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T10:00:30+00:00

I endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way! David Caddick, President of Caddick Construction

https://totalbenefits.net/testimonials/caddick-construction/

Totally Zen

Ed, Great follow up! Thanks again your service is incredible!!

Stephanie Churchill, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:36:32+00:00

Ed, Great follow up! Thanks again your service is incredible!! Stephanie Churchill, President

https://totalbenefits.net/testimonials/totally-zen/

Terry Farber

I have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs.

-Terry Farber, Elder Law Attorney

Total Benefit Solutions Inc Health Insurance and Benefits

2016-07-14T18:19:34+00:00

I have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs. -Terry Farber, Elder Law Attorney

https://totalbenefits.net/testimonials/terry-farber/

Rachael Cappella

Ed MacConnell was extremely patient and helpful when assisting me in choosing the health insurance that was right for me.... He was very knowledgeable about different options and took time to answer all my questions. Total Benefit Solutions is definitely the place to call for your health insurance needs.

 

Total Benefit Solutions Inc Health Insurance and Benefits

5.0

2016-02-06T12:38:58+00:00

Total Benefit Solutions is definitely the place to call for your health insurance needs.

https://totalbenefits.net/testimonials/rachael-cappella/

Wolf Island Networks

It has been an excellent experience getting health insurance from  Total Benefit Solutions Inc. You and your staff are most professional and very responsive.”

John Rodia, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:37:07+00:00

It has been an excellent experience getting health insurance from  Total Benefit Solutions Inc. You and your staff are most professional and very responsive.” John Rodia, President

https://totalbenefits.net/testimonials/wolf-island-networks/

AquaReale

Ed and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale Inc

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T10:06:28+00:00

Ed and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale Inc

https://totalbenefits.net/testimonials/aquareale/

Lou Grossman

Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public Relations

Total Benefit Solutions Inc Health Insurance and Benefits

2016-05-05T17:54:09+00:00

Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public Relations

https://totalbenefits.net/testimonials/lou-grossman/

Coburn Myers Fastening Systems

 This was an excellent interview (http://www.moneychattoday.com ) and Ed clearly demonstrated his knowledge on the issues. I am glad we chose you as our broker.

Ted Harp, Controller

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:57:44+00:00

 This was an excellent interview (http://www.moneychattoday.com ) and Ed clearly demonstrated his knowledge on the issues. I am glad we chose you as our broker. Ted Harp, Controller

https://totalbenefits.net/testimonials/coburn-myers-fastening-systems/

Art 4 Business

"Since Ed and his team at started handling our account, we have saved money each year, and help is only a quick phone call away."

 

Heather Gibson, COO,  Art 4 Business Inc

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-19T09:46:49+00:00

Since Ed and his team at started handling our account, we have saved money each year

https://totalbenefits.net/testimonials/art-4-business/

A.L. Verna & Company

We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more.

Thanks Ed!-Paul Verna, President

 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T10:08:29+00:00

We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more. Thanks Ed!-Paul Verna, President  

https://totalbenefits.net/testimonials/a-l-verna-company/

Greater Philadelphia Abstract

Ed and his team are an invaluable resource always available to answer questions/concerns.

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T21:00:44+00:00

Ed and his team are an invaluable resource always available to answer questions/concerns. Susan Harrison, Principal, Greater Philadelphia Abstract Agency

https://totalbenefits.net/testimonials/greater-philadelphia-abstract/

Solomon Bread & Rolls/Kaplan’s Bakery

I have been using Ed MacConnell & EMA Group Inc  (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else!

Jeff Solomon-President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:35:50+00:00

I have been using Ed MacConnell & EMA Group Inc  (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else! Jeff Solomon-President

https://totalbenefits.net/testimonials/solomon-bread-rollskaplans-bakery/

LTW Gentec

Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!-

Matt Deeter, President LTW Gentec

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-25T18:26:29+00:00

Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!- Matt Deeter, President LTW Gentec

https://totalbenefits.net/testimonials/ltw-gentec/

Superior Commercial Kitchens

“I have never had a better benefits broker in 45 years of business. Ed has saved my company,tens of thousands of dollars per year and continues to earn every dollar every year, always placing the client before the commission. His office staff is helpful whenever a benefit question or problem arises. I would not even think twice about hiring Total Benefit Solutions Inc. for handling company benefits.”

Frank Livolsi, President-Superior Commercial Kitchens 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:41:29+00:00

I would not even think twice about hiring Total Benefit Solutions Inc

https://totalbenefits.net/testimonials/superior-commercial-kitchens/

Media Components

Ed MacConnell always strives to go one step ahead of the competition by providing superb customer service at his firm. His personality and friendly approach to all challenges make him stand out from other Insurance Brokers. Ed is a true networking guru and community benefactor and I would recommend his services to all of my friends and colleagues.”

Denis Sinelkov-President Media Components

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T21:02:49+00:00

I would recommend his services to all of my friends and colleagues

https://totalbenefits.net/testimonials/media-components/

Ace Childcare

“Ed is not only knowledgable about what he does, he educates his clients along the way.When starting my first company Ed was there from beginning to end. Ed is a valued business associate and friend. When you hire Ed he becomes your partner every step of the way!”

David Ozeroff, President Ace Childcare Inc.

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-24T20:21:15+00:00

Ed is not only knowledgable about what he does, he educates his clients along the way

https://totalbenefits.net/testimonials/ace-childcare/

Tom & Geri’s World Travel

Even though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm.

Tom Mellon, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:41:58+00:00

Even though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm. Tom Mellon, President

https://totalbenefits.net/testimonials/tom-geris-world-travel/

Bonnie Greisler

Thank you for taking great care of me- and my son! You guided us to workable medical insurance plans, I am very appreciative for your expertise and knowledge!- Bonnie Greisler., President of The Men and Boy's Store, Huntingdon Valley PA 

Bonnie Greisler, President of The Men and Boy's Store

Total Benefit Solutions Inc Health Insurance and Benefits

2016-02-08T09:59:24+00:00

Bonnie Greisler, President of The Men and Boy's Store

I am very appreciative for your expertise and knowledge!

https://totalbenefits.net/testimonials/bonnie-greisler/

American Dream Financing

I have worked with Ed and (Total Benefit Solutions) EMA Benefits many times in the past. Ed and his office staff give GREAT service and always provide great rates. I have also referred many friends and family to Ed and EMA and those referrals were always taken care of and happy after they signed up. If your ever looking for insurance, think of them!

Brett Stern, Principal-American Dream Financing

Total Benefit Solutions Inc Health Insurance and Benefits

2015-02-02T21:00:54+00:00

I have worked with Ed and (Total Benefit Solutions) EMA Benefits many times in the past. Ed and his office staff give GREAT service and always provide great rates. I have also referred many friends and family to Ed and EMA and those referrals were always taken care of and happy after they signed up. If your ever looking for insurance, think of them! Brett Stern, Principal-American Dream Financing

https://totalbenefits.net/testimonials/american-dream-financing/

Perfect Move Inc

Amber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer.

Bob Simons, Vice President of Perfect Move, Inc.

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-25T18:37:43+00:00

Amber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer. Bob Simons, Vice President of Perfect Move, Inc.

https://totalbenefits.net/testimonials/perfect-move-inc/

Damar Communications

When I needed to offer health benefits options, Ed was there with a a list of options and explanations that made what seemed like a daunting myriad of choices into a simple process. Thanks Ed!”

Dave Margolis, President Damar Communications: 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:56:29+00:00

When I needed to offer health benefits options, Ed was there with a a list of options and explanations that made what seemed like a daunting myriad of choices into a simple process. Thanks Ed!” Dave Margolis, President Damar Communications: 

https://totalbenefits.net/testimonials/damar-communications/

RMS Services

Your help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again!

Frank McCafferty, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:42:41+00:00

Your help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again! Frank McCafferty, President

https://totalbenefits.net/testimonials/rms-services/

Cardinal International Grooving & Grinding

You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.

-Linda Organski, Director of Human Resources

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:59:36+00:00

You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals. -Linda Organski, Director of Human Resources

https://totalbenefits.net/testimonials/cardinal-international-grooving-grinding/

Bucks County Center for Independent Living

“Ed MacConnell and his team consistently provide excellent advice and customer service. He is trustworthy, organized and responsive to our needs. In addition, we get the best product and service for a reasonable price. He listens to us and comes up with solutions. I am never disappointed.”

Ginny Fiorintine, Exective Director

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T10:01:18+00:00

“Ed MacConnell and his team consistently provide excellent advice and customer service. He is trustworthy, organized and responsive to our needs. In addition, we get the best product and service for a reasonable price. He listens to us and comes up with solutions. I am never disappointed.” Ginny Fiorintine, Exective Director

https://totalbenefits.net/testimonials/bucks-county-center-for-independent-living/

Netstride Internet Solutions

The daunting landscape of health insurance is difficult for any business owner or individual to navigate. Ed and his team make the process really easy. We’ve been with Total Benefit Solutions Inc. for many years, and we recently decided to switch our plans. Both Ed and Amber spent time walking us through the various options, including the pros and cons of each plan and answered countless questions. Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

Gregory Tarallo, President  Netstride Internet Solutions

 

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-25T18:31:43+00:00

 

Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

https://totalbenefits.net/testimonials/netstride-internet-solutions/

Travel Wizards

Even though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed!

Arlene Blosch, President

Total Benefit Solutions Inc Health Insurance and Benefits

2015-01-26T09:41:26+00:00

Even though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed! Arlene Blosch, President

https://totalbenefits.net/testimonials/travel-wizards/

Beth Sholom Congregation

"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly.



Harvey Friedrich, Executive Director, Beth Sholom Congregation 

 

Total Benefit Solutions Inc Health Insurance and Benefits

5.0

2015-01-26T10:04:53+00:00

"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly. Harvey Friedrich, Executive Director, Beth Sholom Congregation   

https://totalbenefits.net/testimonials/beth-sholom-congregation/