Employee Benefits Consulting

Benefits that work for your people — not against your budget

McCay Benefits helps employers navigate rising costs, complex plans, and changing regulations with clear guidance built around your goals.

Trusted by businesses small and large, from New Jersey to Florida

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Patrick Pantages — President at McCay Benefits

With deep insurance experience, market insight, and a client-first approach

We help organizations build benefit programs that are easier to manage, more competitive, and more valuable to employees.

We take time to understand your business, review your current strategy, compare available options, and recommend solutions that align with your workforce, budget, and long-term objectives.

                Smarter
                benefits
              

                Clearer
                decisions
              

                Stronger
                outcomes
              

Solutions

From core benefit consulting to compliance guidance and funding strategies, we offer solutions designed to simplify decision-making, reduce administrative burden, and support the people who keep your business moving.

Core Consulting

Strategic foundation for your benefits program

Benefits Consulting

Plan design, renewal negotiations, carrier coordination, compliance support, employee communication, and benefit administration technology. A more organized process and a benefits program built around the needs of your business.

Renewal Marketing

Early renewal review evaluating market trends, carrier offerings, plan alternatives, and business priorities. We work with leading carriers to secure competitive solutions — not simply repeat last year's plan.

Health Care Reform & Compliance Guidance

Stay ahead of ACA, IRS, and employee benefit requirements with practical guidance, ongoing support, and strategies designed to reduce risk while keeping your program competitive.

Funding & Administration

Control costs, improve transparency, streamline operations

Alternative Funding

Review workforce demographics, claims activity, risk tolerance, and benefit objectives to determine if alternative funding can help you gain more control, improve transparency, and uncover potential savings.

Consumer-Driven Administrative Services

HSAs, FSAs, HRAs, and Premium Only Plans to manage costs, support employee choice, and streamline benefit operations. Vendor partners assist with COBRA, Form 5500, 1094/1095 filings, nondiscrimination testing, and ERISA support.

Selecting a Third Party Administrator (TPA)

Evaluate TPAs based on experience, compliance support, service quality, communication, capabilities, location, and fee structure — so you can choose a partner that supports both employee experience and financial performance.

Employee-Focused Programs

Competitive coverage for recruitment, retention, and wellbeing

Small Business Employee Benefits

Affordable, compliant, competitive benefits for small businesses. We evaluate carrier options, funding strategies, ACA requirements, wellness opportunities, and tax-related considerations so you can make informed decisions.

Ancillary Benefit Programs

Critical illness, hospital indemnity, life and disability insurance, long-term care, dental, vision, prepaid legal services, and wellness programs — strengthening your overall package and supporting recruitment and retention.

Understanding Health Plan Categories

Clear explanations of ACA requirements, minimum essential coverage, and Bronze, Silver, Gold, and Platinum plan levels so you can compare options with confidence and select coverage that fits your needs and budget.

Personal Protection

Financial security for you, your family, and your business

Long-Term Care Insurance

Protect independence, savings, and family from the financial strain of extended care needs. Coverage for assistance with daily living needs — whether at home or in a specialized setting — offering greater choice and peace of mind.

Life Insurance

Compare coverage options that support personal, family, or business planning goals. Benefits may cover everyday expenses, mortgage payments, loans, education costs, business obligations — often free from federal income tax.

Insights

Guidance on the topics that matter most to your benefits strategy

January 15, 2025 Compliance

ACA Affordability Thresholds for 2025: What Employers Need to Know

The IRS has released updated affordability percentages for 2025. Here's how the changes affect your employer shared responsibility obligations.

January 8, 2025 Funding

Level-Funded vs. Self-Funded: A Decision Framework

Breaking down the risk, reward, and administrative realities of each model so you can choose with confidence.

December 20, 2024 Strategy

Renewal Season Playbook: 90 Days to a Better Outcome

Our step-by-step timeline for turning renewal from a scramble into a strategic advantage.

Ready to build a better benefits program?

Whether you are evaluating coverage, preparing for renewal, or looking for a more strategic approach, McCay Benefits is ready to help you move forward with confidence.

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Tell us about your business and what you're looking to achieve. We'll follow up within one business day.