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
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
Amy Huber, client
The MCG Group

Steve Young, Managing Partner

Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick
Wolf Island Networks

John Rodia, President

Prodigy Learning Center

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

Travel Wizards

Arlene Blosch, President

Bonnie Greisler


Bonnie Greisler, President of The Men and Boy's Store
Bonnie Greisler, President of The Men and Boy's Store
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
Ariel Muller
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!
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.
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
Riverside Physical Therapy

Joe Tomasetti, President Riverside Physical Therapy


Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly.
-Gina DeSumma
Paige Wolf Testimonial Dec 2018
Through all my 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 Wolf
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
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

Nozak Enterprises

Jeff Gross, President Nozak Enterprises, DBA Supercuts

Tristar Lighting

David Zarrinnia, President

Perfect Move Inc

Bob Simons, Vice President of Perfect Move, Inc.

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
BKZ Contractors Inc.

Brian Zeldes, President BKZ Contractors Inc.

Excel Capital Funding

Ricky Boone, President-Excel Capital Funding LLC

Greater Philadelphia Abstract

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

Totally Zen

Stephanie Churchill, President

Amy H

Amy H- Individual Client on the healthcare.gov marketplace

Cardinal International Grooving & Grinding

-Linda Organski, Director of Human Resources


"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.
David Fiebert Inc

-David Fiebert, President

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

CBDI, Inc

Amy Murray Hyde, Account Representative, CBDI, Inc.

Beth Sholom Congregation


Harvey Friedrich, Executive Director, Beth Sholom Congregation
Media Components

Denis Sinelkov-President Media Components

Greenwood Financial Services


-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Pete’s Clown House Luncheonette

Ron Bordone-President

Superior Commercial Kitchens

Frank Livolsi, President-Superior Commercial Kitchens

AquaReale


Stephen Forbus

Stephen Forbus

Chris Handley

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

Ace Childcare

David Ozeroff, President Ace Childcare Inc.

Helped our family with all the switching around, so we where never without benefits or lacked in care.
Associated Printing & Graphics


J

Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Damar Communications

Dave Margolis, President Damar Communications:

The Gannon Agency

Steve Gannon, President , The Gannon Agency

Sign-A-Rama-Feasterville

Bob Flemming, President

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

Coburn Myers Fastening Systems

Ted Harp, Controller

Lou Grossman
S&S Sign Company

Gina Seibel, Vice President S&S Signs

Bucks County Women’s Healthcare


RMS Services

Frank McCafferty, President

Paige Wolf Media & Public Relations
Grossman Public Relations

Lou Grossman-President

Tom & Geri’s World Travel

Tom Mellon, President

Zola Makrauer DMD


Shevlin Investments

Barry Shevlin, President

Angelmark Associates

Lisa Kruse, President Angelmark Associates

Rachael Cappella

American Dream Financing

Brett Stern, Principal-American Dream Financing

Bucks County Center for Independent Living

Ginny Fiorintine, Exective Director

Uncle Bill’s Country Market

– Bill Smith, 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
Art 4 Business

Heather Gibson, COO, Art 4 Business Inc

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
Netstride Internet Solutions

Gregory Tarallo, President Netstride Internet Solutions

Solomon Bread & Rolls/Kaplan’s Bakery

Jeff Solomon-President

Bruce McIntyre


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 Child Care


LTW Gentec

Matt Deeter, President LTW Gentec

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 TMA
Webucast

Igor Bogdanov, Principal, Webucast

Caddick Construction

David Caddick, President of Caddick Construction

Terry Farber

-Terry Farber, Elder Law Attorney

Sales Pros 4 Hire

Mike Hilbert, President, Sales Pros 4 Hire

They really know what they are doing
Carol Woytus, Vacation Magic Travel
Carol Woytus, Vacation Magic Travel
Craven Moore
Extremely helpful professionals. Very fast in responding and taking the time to answer all of our questions when our small company decided to offer a new health benefits plan. Highly recommended for companies struggling with health insurance costs and trying to figure everything out. They made it easy to understand, choose and get up and running. -Craven Moore