Employee Benefits:


In these challenging times, providing quality group health plans can seem impossible as you try to balance cost and coverage, and meet the needs of a diverse workforce. Competitive Advantage Benefits, LLC can design multiple plan offerings and recommend employee contribution strategies that meet your objectives. We are experienced in the implementation of plans on a fully insured basis and a self-insured basis, and we will explain the advantages of each funding method.

Health Insurance

Everyone needs medical coverage, and the easiest way for individuals to obtain it is through their employers. And there is no better way for businesses to make employees feel welcome and supported than through a complete health insurance policy.

Group Voluntary Benefits

Many employers are offering optional benefits funded solely by employee contributions. This provides employees access to supplemental coverage’s at group rates. Employers are able to expand their benefit packages to better attract and retain quality employees, without increasing their cost. Popular programs include Life, Accident, Disability, Dental, Long Term Care Insurance and Vision plans.

Section 125/COBRA Administration

We provide clients with the administration of their Section 125 POP (premium only plan). In addition, we can also provide for the administration of your FSA, Dependent Care Assistance and COBRA at reasonable rates.

Group Dental Insurance

With the cost of quality dental work continuing to rise, many employees look for this coverage as part of their employee benefits package. We represent a wide range of carriers and products such as indemnity, PPO, EPO and DMO dental plan options.

Vision Plans

This often overlooked aspect of health care is not typically included in general health plans. This additional package is increasingly necessary for those in need of glasses, contacts, or preventative care, especially for those who work on computers and other technology.

Short-Term Disability

There are many options for NJ TDB (Temporary Disability Benefits) and NY DBL (Disability Benefits Law), as well as basic and enhanced STD (Short Term Disability) benefits.

Long-Term Disability

Disability can create a great financial hardship for employees, with very few affordable sources of protection other than group LTD. We can analyze factors such as waiting periods, benefit duration and coverage maximums, and coordinate coverage with STD.

Life and AD&D Insurance

Group Life Insurance provides the required basic coverage for a very high percentage of today’s workforce. Plans can be designed based on salary, job title or length of employment, at rates that are extremely competitive.

Employee Benefits Websites

Our clients can benefit from custom designed employee benefit websites that provide a central source of information for employees to access 24 hours a day, 7 days a week. Sites can include coverage summaries, employee costs, forms, provider directories and carrier links.

Your resource to get your employees covered!

Contact us to get started on creating or revising your employee benefits packages.

Implementing the most suitable benefits plan becomes a good business strategy. For most businesses, that raises the question: how do you offer the best benefits while controlling the bottom line? That’s where Competitive Advantage Benefits comes in. We are benefits specialists who know that offering employees just the right combination of benefits at a reasonable cost can translate into a competitive advantage for your company when seeking to hire and retain the best people.

Rich Murray

President, CAB

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