Employee Benefits

Employee Benefits

At Competitive Advantage Benefits, we work with you to guide your business through the process of fulfilling a comprehensive employee benefits package that will meet the needs of your employees and your company’s financial objectives. We service groups from various industries of all size nationwide. We take careful consideration when it comes to implementing a strategy for each of our clients unique circumstance.

We believe in taking time to listen and engage our clients throughout the process to ensure no questions go unanswered, and all objectives are met. The results? With our attention to detail, we have cultivated a process of providing quality benefits and exceptional service which has strengthened our relationships and created client loyalty for years to come.  

Health Insurance

Medical coverage is a necessity. Offering a complete employer sponsored health insurance policy will guarantee your business the retention of quality employees all while making each employee feel welcome and supported.

Dental Insurance

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

Vision Plans

Often overlooked, vision care is not typically included alongside health plans. Adding a vision plan is a great way to show your employees you support their needs. This benefit is essential at little to no cost.

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.

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.

Short-Term Disability

Short Term Disability Insurance can be used as income protection and can help pay your day-to-day, medical and household expenses while you recover from a covered sickness, injury or childbirth.

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 few affordable sources of protection other than group LTD (Long Term Disability). We can analyze factors such as waiting periods, benefit duration and coverage maximums, and coordinate coverage with STD.

Medicare Insurance

Whether you have an employee retiring soon or approaching age 65, the question of Medicare eligibility is often common. Our specialists will work with your employees to guide them through their enrollment process. We utilize many carriers that offer Medicare Supplement and Advantage plans that cover all specific needs of each employee.

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.


Streamline your day-to-day and consolidate your team management from day one. We work with the industry’s leading HRIS vendors to keep your team operating smoothly and always on the same page. Track key business metrics, paid time off, approve time off, store company policies, reporting and much more

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”

Brian Waitt, President, Competitive Advantage Benefits

how we help

Your resource to get your employees covered!

and get started on creating or revising your employee benefits packages.