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
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!!!! 🙂
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Tom & Geri’s World Travel
Tom Mellon, President
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
Dave Margolis, President Damar Communications:
over and above the call of duty
Bonnie Greisler, President of The Men and Boy's Store
Amy Murray Hyde, Account Representative, CBDI, Inc.
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
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
Stephanie Churchill, President
Lisa K, President Angelmark Associates
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
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!
David Fiebert Inc
-David Fiebert, President
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
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
Frank McCafferty, President
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
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Bucks County Women’s Healthcare
Bob Flemming, President
The MCG Group
Steve Young, Managing Partner
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
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
Joseph Pintimalli CPP
Simplifi Payroll & HR
American Dream Financing
Brett Stern, Principal-American Dream Financing
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Denis Sinelkov-President Media Components
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
S&S Sign Company
Gina Seibel, Vice President S&S Signs
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
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.
Wolf Island Networks
John Rodia, President
Christine Taylor: Self Employed
David Ozeroff, President Ace Childcare Inc.
Matt Deeter, President LTW Gentec
David Caddick, President of Caddick Construction
The Gannon Agency
Steve Gannon, President , The Gannon Agency
Coburn Myers Fastening Systems
Ted Harp, Controller