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Employee & Human Resource Benefits

Insurance Planning Consultants prides itself on a long history of offering premier health insurance and employee benefit products and services to organizations that span various industries since 1978. Our customized solutions take into account the needs and objectives of your organization. Specializing in companies composed of 2-300 employees, we provide small and medium size employers with the human resource specialist and knowledge that is found in much larger corporations. 

All of the plans that we offer are issued on a guaranteed basis and follow the current Law. Plans can be custom made to provide coverage in all states, as well as internationally. We are well-versed in all areas of the employee benefits arena, including:

  • All forms of HMO, POS and PPO platforms(on and off of the Federal Exchanges)
  • Group Dental and Vision Programs
  • Group Life Insurance coverage
  • Group Short and Long Term Disability coverage
  • Health Savings Accounts (HSA)
  • Flexible Spending Accounts (FSA) - Section 125 Plans
  • Cafeteria Plans
  • Fully Insured Plans
  • High Deductible "Catastrophic" Plans
  • Cobra and NJ State Continuation Administration
  • Full Payroll Administration also available
  • A Staff attorney specializing in the Obamacre(ACA) act.

We also offer a full array of Retirement and Pension plans to fit the needs of your organization. Where necessary, we have partnered with some of the best Actuarial Services firms in the industry to insure that all plans meet federal guidelines and are tested annually. In addition, we will help you implement investment platforms that include a wide variety of portfolio options and investment choices for your employees to choose from. Below is just a sample of the types of plans that we offer:

  • 401(k) Plans
  • 403(b) and TSA Plans
  • Defined Contribution Plans
  • Defined Benefit Plans
  • 412i(e)(3) Planning
  • Key Man Protection
  • Profit Sharing Plans
  • Simple IRA
  • Deferred Compensation Planning
  • Ira's and Roth Ira's