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
SEP IRA
Simple IRA
Deferred Compensation Planning
Ira's and Roth Ira's