Before Emerling Floss Murphy & Associates starts quoting plans for its clients, we spend time and effort understanding the business while building competitive benefits packages.  We compare the benefit features within their industry, geographic area, and company size.

A proper analysis of the cost for health insurance starts with a review of your coverage group. A document called a benefits census is commonly used to identify the gender, age, and coverage level (employee only, employee plus spouse, employee plus children or family) of each person in the group. This information allows the bottom line comparison on pricing for both the employees and the employer.


Health Reimbursement Arrangement (HRA)

Plans to cover medical expenses for employees. The employer decides how much it will put into the plan, and the employee can request reimbursement for actual medical expenses incurred up to that amount.

Health Savings Account (HSA)

Allows employees to save money tax-free against medical expenses

Flexible Spending Accounts (FSA)

Allows employees to set aside pretax money to pay for health-related expenses.

Health & Wellness

A full array of programs and resources that give you and your employees’ choices for living healthy and staying healthy.

Group Life Insurance

Life insurance coverage at economical group rates offers employees and their families vital financial security.

Group Long Term Care

Similar to life insurance, group coverage can be economical for employees and their families.

Dental Insurance

Group dental frequently comes bundled with group medical coverage but is also available on a voluntary basis with premiums paid by the employee.

Vision Insurance

A voluntary product that is typically available at discounted rates as compared to products purchased outside of the worksite.


A health insurance program that allows an eligible employee and his or her dependents the continued benefits of health insurance coverage in the case that an employee loses his or her job or experiences a reduction of work hours.

Group Short/Long Term Disability

Have peace of mind when it comes to protecting what matters most to both you and your employees.

Employee Assistance Programs (EAP)

A voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems.

New York State Disability (DBL)

This statutory disability insurance is mandated by the State of New York. Virtually all employers have to provide DBL coverage for their employees; and the State sets the benefit level.

Medicare Insurance

A federal system of health insurance for people over 65 years of age and for certain younger people with disabilities.

401k & Retirement Plans

A retirement savings account that allows an employee to divert a portion of his or her salary into a long-term investment account. The employer may match the employee’s contribution up to a limit.

Human Resource Management

All of your employee benefits information compiled in one place, including enrollment, HR Reporting, and employee access.