Benefit Services Incorporated is an independently owned family business. As such, it can provide their clients with the personal attention and exceptional service many larger firms can't match. These services include:


  • Group Medical
    · HMO, POS, PPO - local and national carriers and networks
    · Consumer Driven Models
    · Financing: fully insured, partially self-funded and minimum premium
  • Group Dental
    · Financing - fully insured and self funded
  • Group Life and AD&D
  • Group Disability: Short and Long Term
  • 401(k), Profit Sharing & Pension plans
  • Voluntary Benefits:
    · Life & AD&D Insurance
    · Short Term Disability Insurance
    · Long Term Disability Insurance
    · Dental Insurance
    · Long Term Care Insurance (Group and Individual)
  • Flexible Spending Accounts (Section 125 Plans & Section 132 Plans)
    · Health Care Reimbursement Accounts
    · Dependent Care Reimbursement Accounts
    · Parking Reimbursement Accounts
    · Transit Reimbursement Accounts
  • Health Care Reimbursement Arrangements (HRA’s)
  • Health Care Savings Accounts (HSA’s)
  • Employee Assistance Programs
  • Executive Programs
  • International Benefits
  • COBRA
  • HIPAA
  • Internet Solutions for the administration and communication of corporate benefit programs

  • Analyze program costs, funding and financial alternatives
  • Full market test for all lines of coverage including a detailed comparison on plan provisions.
  • Feasibility studies for alternative funding arrangements including: partially self funded, minimum premium, defined contribution and HRA/HSA arrangements.
  • Stop Loss coverage marketing
  • Assist in the review of group contracts, plan documents, certificates and booklets
  • Assist clients as if we are part of their "Employee Benefits Team" available to answer any questions at no additional cost.
  • Assist in employee education of benefit programs and the development of employee communications.
  • Renewal negotiations with vendors




Bruce S. Coughlin
A Leader in Group Insurance & Employee Benefits for 25 Years

Benefit Services Incorporated
36 Washington Street, Suite 80, Wellesley, MA 02481
781.237.3776
bcoughlin@benefitservicesinc.com