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.
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
Media Components
Denis Sinelkov-President Media Components
-Brenda M
Brenda M
Brenda M
Tristar Lighting
David Zarrinnia, President
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Dee K
RMS Services
Frank McCafferty, President
The MCG Group
Steve Young, Managing Partner
Grossman Public Relations
Lou Grossman-President
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
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
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
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
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
Associated Printing & Graphics
Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR
Joseph P
Joseph P
Pete’s Clown House Luncheonette
Ron Bordone-President
Superior Commercial Kitchens
Frank Livolsi, President-Superior Commercial Kitchens
S&S Sign Company
Gina Seibel, Vice President S&S Signs
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
Chris Handley
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Stephen Forbus
Stephen Forbus
"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
Brittany B
Brittany B
Webucast
Igor Bogdanov, Principal, Webucast
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
Terry Farber
-Terry Farber, Elder Law Attorney
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
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
Jason
Jason W
Jason W
Wolf Island Networks
John Rodia, President
American Dream Financing
Brett Stern, Principal-American Dream Financing
Sign-A-Rama-Feasterville
Bob Flemming, President
Solomon Bread & Rolls/Kaplan’s Bakery
Jeff Solomon-President
CBDI, Inc
Amy Murray Hyde, Account Representative, CBDI, Inc.
Ace Childcare
David Ozeroff, President Ace Childcare Inc.
The Gannon Agency
Steve Gannon, President , The Gannon Agency
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
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
Coburn Myers Fastening Systems
Ted Harp, Controller
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
Tom & Geri’s World Travel
Tom Mellon, President
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
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 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
Travel Wizards
Arlene Blosch, President
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
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
Damar Communications
Dave Margolis, President Damar Communications:
David M
Zola Makrauer DMD
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
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Molly K
Molly K
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
Uncle Bill’s Country Market
– Bill Smith, President
John K
John K
Total Child Care
" 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
Amy H
Amy H- Individual Client on the healthcare.gov marketplace
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
Totally Zen
Stephanie Churchill, President
Netstride Internet Solutions
Gregory Tarallo, President Netstride Internet Solutions
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
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
David Fiebert Inc
-David Fiebert, President
Bonnie Greisler
Bonnie Greisler, President of The Men and Boy's Store
Bonnie Greisler, President of The Men and Boy's Store
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Shevlin Investments
Barry Shevlin, President
Bucks County TMA
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
J
Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Orly
Orly
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Rachael Cappella
Bucks County Women’s Healthcare
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
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
Caddick Construction
David Caddick, President of Caddick Construction
-Tasha G
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
LTW Gentec
Matt Deeter, President LTW Gentec
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Greater Philadelphia Abstract
Susan Harrison, Principal, Greater Philadelphia Abstract Agency
Lou Grossman
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.
Lisa K, President Angelmark Associates
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
AquaReale
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