P
lan 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.
Available Documents Include:
Section 125 Cafeteria Plans
Section 125 Premium Only Plans
Health FSA for Medical Expenses
Dependent Care Assistance FSA
Health Savings Accounts – HSA
Health Reimbursement Arrangements – HRA
Section 105 Self-Employed HRA
Section 132 Transit & Parking plans
ERISA WRAP SPD DOCUMENTS<—–NEW
Wolf Island Networks

John Rodia, President

Travel Wizards

Arlene Blosch, President

Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks
Fibrenew
Fibrenew
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
Christine Taylor: Self Employed
Rachael Cappella

Bonnie Greisler


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

Igor Bogdanov, Principal, Webucast

Amy H

Amy H- Individual Client on the healthcare.gov marketplace

AquaReale


LTW Gentec

Matt Deeter, President LTW Gentec

Media Components

Denis Sinelkov-President Media Components

Tom & Geri’s World Travel

Tom Mellon, President

Pete’s Clown House Luncheonette

Ron Bordone-President

Chris Handley

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

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

"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of."
-Margaret F.
Margaret F
Margaret F
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 H
Amy H
Damar Communications

Dave Margolis, President Damar Communications:

Superior Commercial Kitchens

Frank Livolsi, President-Superior Commercial Kitchens


Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR

Joseph P
Joseph P
Perfect Move Inc

Bob Simons, Vice President of Perfect Move, Inc.

Uncle Bill’s Country Market

– Bill Smith, President

The MCG Group

Steve Young, Managing Partner

Tristar Lighting

David Zarrinnia, President

Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Molly K
Molly K

-Tasha G

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

RMS Services

Frank McCafferty, President

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
Bucks County Women’s Healthcare




-Brenda M
Brenda M
Brenda M

Highly recommend. They took the time even when it was the busiest time of year for health insurance. They explained the details patiently to help stream the process painlessly.
-Gina D
Gina D
Gina D
I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B
Reita B
Reita B
Lou Grossman
Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris M President (CGM Systems)
Chris M
Chris M
Riverside Physical Therapy

Joe Tomasetti, President Riverside Physical Therapy

Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen!
Joyce C
Joyce C
Joyce C
Associated Printing & Graphics


Coburn Myers Fastening Systems

Ted Harp, Controller

Greater Philadelphia Abstract

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

Art 4 Business

Heather Gibson, COO, Art 4 Business Inc

Van Dyne Insurance

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

The Gannon Agency

Steve Gannon, President , The Gannon Agency

Ace Childcare

David Ozeroff, President Ace Childcare Inc.

Solomon Bread & Rolls/Kaplan’s Bakery

Jeff Solomon-President

Over the years Ed and his crew at Total Benefit Solutions 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 H.
Amy H
Amy H
Dee K
Excel Capital Funding

Ricky Boone, President-Excel Capital Funding LLC

Ed and his staff have helped my husband and myself with our health insurance for years. Great people to work with and extremely knowledgeable about health insurance and Medicare supplements. - Kathleen B
BKZ Contractors Inc.

Brian Zeldes, President BKZ Contractors Inc.

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. (They ) took the 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 Total Benefit Solutions, Inc! -Ariel M.
Ariel M
Ariel M
Cardinal International Grooving & Grinding

-Linda Organski, Director of Human Resources


There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas

Terry Farber

-Terry Farber, Elder Law Attorney

CBDI, Inc

Amy Murray Hyde, Account Representative, CBDI, Inc.

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

Bucks County Center for Independent Living

Ginny Fiorintine, Exective Director

" 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 G, President Nozak Enterprises, DBA Supercuts

Greenwood Financial Services


-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
David M
The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice.
I highly recommend them! -Deb H
Deb H
Deb H
Brittany B
Brittany B
Shevlin Investments

Barry Shevlin, President

Bucks County TMA
Through all my health insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me!
-Paige W.
Beth Sholom Congregation


Harvey Friedrich, Executive Director, Beth Sholom Congregation
Netstride Internet Solutions

Gregory Tarallo, President Netstride Internet Solutions

American Dream Financing

Brett Stern, Principal-American Dream Financing

Prodigy Learning Center

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

David Fiebert Inc

-David Fiebert, President

J

Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Orly
Orly
Sales Pros 4 Hire

Mike Hilbert, President, Sales Pros 4 Hire

Grossman Public Relations

Lou Grossman-President

Zola Makrauer DMD


Total Child Care


John K
John K
S&S Sign Company

Gina Seibel, Vice President S&S Signs

Stephen Forbus

Stephen Forbus

Bruce McIntyre


Caddick Construction

David Caddick, President of Caddick Construction

Totally Zen

Stephanie Churchill, President


Lisa K, President Angelmark Associates

Sign-A-Rama-Feasterville

Bob Flemming, President

They really know what they are doing

They really know what they are doing with Medicare health insurance and will take great care of you!
Carol W
Carol W
Carol W
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
-Bryan Perchick


Jason
Jason W
Jason W
Ed and his team have been great with finding us the right health insurance plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F

Adam F
Adam F
Many thanks to Maureen at Total Benefit Solutions, Inc for her patience, professionalism and thoroughness--she made the somewhat scary process of getting a Medicare supplement for my husband and me so much easier and less stressful!
Renie C
Renie C
Renie C
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! Franklin S

Franklin S
Franklin S
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