Benefitsmart LLC

benefitsmart llc is an independent insurance brokerage firm. we handle all personal lines of insurance (major medical, life, disability, medicare supplements, long term care and aflac. we work with individuals and small companies (under 100 employees). we pride ourselves on working very closely with our prospective clients to analyze their existing benefits, recommend changes (if warranted) and try most of all to work within the budget constraints of the individual or company. we have become over the years a strong advocate for long term care insurance. the aging baby boomers, growing federal deficits and cbo reports of social security, medicare and medicaid running out of money in the not too distant future have been ltc a top priority to protect assets as well as independence.