Employee Benefits


We Evaluate, Implement & Service Employee Benefits Programs

David Ernstam Financial & Insurance Services, Inc. is a full service insurance agency serving the needs of businesses since 1983. As Employee Benefits Programs continue to be more complex, the need for a genuine partnership with an Employee Benefits Broker has become extremely important. At David Ernstam Financial & Insurance Services, we value this partnership with all businesses. We are committed to evaluating, implementing and servicing Employee Benefit programs that support employee recruitment and retention, and meet the specific needs of each individual client. Our immediate objective is to guide you through the process of picking your Employee Benefits program and adequately conveying the complete details to your employees.

When it comes to employee benefits and wellness, we want what you want:

  • Employees to make the best benefit choices for themselves and their families
  • Control over spiraling claims and costs that inflate premiums
  • Positive impact on healthy behaviors that leads to increased productivity, reduced medical and workers’ compensation costs and a better bottom line
  • Engaged employees and involved leaders who are educated


Available Services


Plan Management Strategies

We like to get to know our clients in order to find the best possible solution that fit everyone’s needs. Our team aligns employee benefits based on the company goals, culture, and characteristics.


Employee Communication

Whether thorough our enrollment meetings, benefits summaries, or claims support, we strive to answer questions year round and customize educational materials for your employees and their families to help them make the best benefit choices.



Human Resources Support

Through our partnership with ThinkHR we have PHR/SPHR certified HR professionals right at your fingertips to answer any and all of your human resource related questions.


COBRA Administration

Our COBRA Administration services reduce associated administrative tasks and paperwork. We are here to help with all COBRA questions or concerns!




Health Care Reform Compliance

In March 2010, the Affordable Care Act (ACA) was passed. The wide spread changes made by the ACA take effect over a period of years. As the law continues to be implemented it will be important for employers to stay current on the changes that will ultimately affect them and their employees. We have a number of resources to aid in this process.


Wrap SPD & Plan Document Compliance

Typically, the cost to develop an SPD and Plan Document can be very expensive, but we have solved this problem with a sophisticated system developed together with a major ERISA law firm that makes it easy and economical to comply with federal requirements. We offer this service to our clients at no charge.