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
Ace Childcare














































David Ozeroff, President Ace Childcare Inc.



































































-Brenda M
Brenda M
Brenda M
Wolf Island Networks














































John Rodia, President




















































Bucks County Women’s Healthcare


































































































Tom & Geri’s World Travel














































Tom Mellon, President




















































Tristar Lighting














































David Zarrinnia, 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






Franklin S
Franklin S














Adam F
Adam F
Terry Farber



-Terry Farber, Elder Law Attorney



Zola Makrauer DMD

















































Netstride Internet Solutions














































Gregory Tarallo, President Netstride Internet Solutions




















































BKZ Contractors Inc.














































Brian Zeldes, President BKZ Contractors Inc.




















































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





Excel Capital Funding











Ricky Boone, President-Excel Capital Funding LLC


























































Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR






Joseph P
Joseph P
Coburn Myers Fastening Systems











Ted Harp, Controller




















































Caddick Construction














































David Caddick, President of Caddick Construction




















































Damar Communications











Dave Margolis, President Damar Communications:




















































John K
John K
Superior Commercial Kitchens














































Frank Livolsi, President-Superior Commercial Kitchens




















































The Gannon Agency














































Steve Gannon, President , The Gannon Agency




















































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
Total Child Care


































































































Associated Printing & Graphics


































































































S&S Sign Company














































Gina Seibel, Vice President S&S Signs




















































Cardinal International Grooving & Grinding











-Linda Organski, Director of Human Resources




















































Bonnie Greisler







Bonnie Greisler, President of The Men and Boy's Store
Bonnie Greisler, President of The Men and Boy's Store
Travel Authority
Barry Gerber, President
Bruce McIntyre










Prodigy Learning Center














































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




















































Greater Philadelphia Abstract














































Susan Harrison, Principal, Greater Philadelphia Abstract Agency




















































Travel Wizards














































Arlene Blosch, President




















































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
Molly K
Molly K
Webucast














































Igor Bogdanov, Principal, Webucast




















































David M
Media Components














































Denis Sinelkov-President Media Components




















































I highly recommend them! -Deb H
Deb H
Deb H
They really know what they are doing








They really kn
Carol W
Carol W
Carol W
J



Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Orly
Orly
Stephen Forbus














































Stephen Forbus




















































Lou Grossman
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




















































RMS Services














































Frank McCafferty, President




















































Riverside Physical Therapy














































Joe Tomasetti, President Riverside Physical Therapy




















































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




















































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
Shevlin Investments














































Barry Shevlin, President




















































LTW Gentec














































Matt Deeter, President LTW Gentec




















































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
Grossman Public Relations











Lou Grossman-President




















































Sales Pros 4 Hire














































Mike Hilbert, President, Sales Pros 4 Hire




















































AquaReale








