Capital Benefits LLC

Capital Benefits LLC is a full service independent broker/ consultant working in our clients' best interests. We provide objective analysis of all employee benefit plans, and bring you the plans and services that best suit your employees' needs. Capital Benefits LLC is a diversified financial services organization providing group insurance and financial services to individual, corporate and professional clients. While no one organization can be all things to all people, our uniqueness can be attributed to the fact that within our Financial Services and Employee Benefits program, we have assembled a team of professionals with a variety of backgrounds who can, within a single organization, meet most of your needs while exceeding your expectations. We appreciate your interest and consideration, and look forward to helping you reach your objectives. Additional Service Descriptions Public & Private Sectors Pensions Plans Business Benefits Individual Services Ancillary Products Health - Provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Dental - Group contract that provides payment for certain enumerated dental services. Rx - Compensation for specific potential future losses in exchange for a periodic payment. Vision - Compensation for specific potential future losses in exchange for a periodic payment. Long Term Care - Compensation for specific potential future losses in exchange for a periodic payment. Life - Paid to a beneficiary when the insured dies. DI - Provides supplementary income in the event of an illness or accident resulting in a disability that prevents the insured from working at their regular employment. HSA - The health savings account, or HSA, was created recently by federal legislation. A HSA lets you set aside pre-tax dollars for future medical, retirement, or long-term care premium expenses. HRA - funds are provided only by an employer for an employee, and do not follow an employee to a new employer. FSA - funds must be used within the calendar year; otherwise they are forfeited. Business Benefits Executive Bonus and Deferred Compensation Arrangements An arrangement in which a portion of an employee's income is paid out at a date after which that income is actually earned. Keyman Insurance Protects a corporation or business from the death of a key employee, either a man or a woman. Keyman Insurance is often required by investors in a business where one or a small number of individual employees are key to the success of the venture. Buy/Sell Agreement Every co-owned business needs a buy-sell, or buyout, agreement the moment the business is formed or as soon after that as possible. Every day that value is added to the business without a plan for future transition, it increases its financial risk. Business Continuation Planning Focuses on planning so that the organization can effectively respond to an unforeseen event and continue or resume normal business operations. Capital Benefits LLC 363 Route 46 West Suite 140 Fairfield, NJ 07004 Phone: 973-808-2626 Fax: 973-808-2627 Email: info@capitalbenefits.com