800-57BENEFIT or 973-808-2888

About Us

Our Story


Our insurance brokers turn to us for federal, state and insurance carrier compliance, rate analysis, and customer service support. Our independent agents and brokers do not represent an insurance company… they represent the client. They have the freedom to choose among a variety of plans from an array of highly rated companies. Your interests and concerns always come first.

Benefit Solutions knows that a successful broker/consultant firm must be alert to the changes caused by insurance policies and government actions. Our vigilance supports our brokers and justifies their confidence in us.

Benefit Solutions offers expert advice and quality products to meet your needs in a dynamic marketplace. Major corporations, small employer businesses, professional/trade associations and individuals have placed their trust in us since 1986. We’re proud of our reputation and would welcome the opportunity to put our knowledge and experience to work for you.

Gary V. Cupo
President / CEO

Gary began his insurance career in 1973.

As a Broker/Consultant for a number of Fortune 500 companies, state & national association plans, is considered one of New Jersey’s leading authorities on Small Employer Health Reform and Employee Benefits.

A featured speaker to many industry associations including:

New Jersey Association of Health Underwriters, New Jersey Association of Insurance and Financial Advisors, North Jersey American Society of CLU & ChFC, Northwest Association of Life Underwriters and Independent Insurance Agents of Middlesex County, NJBIA Passaic County ELC, Passaic County Board Of Chosen Freeholders, Tri-County Chamber Of Commerce, Passaic County Division of Economic Development.

Appeared on WEVD talk radio 1050 AM and interviewed by the New York Times, New Jersey Business magazine and WNYC talk radio 93.9. His firm, Benefit Solutions is known as the Broker’s Broker and specializes in Group Health Insurance and Employee Benefit Programs.











Think Tank Podcast released June 12, 2020

Surprise Balance Billing Podcast released February 6, 2019


Speaking Engagements

New Jersey Association of Insurance and Financial Advisors

Northern New Jersey Chapter American Society of CLU and ChFC

Northwest Association of Life Underwriters

Independent Insurance Agents of Middlesex County

Northwest Association of Health Underwriters

Central Jersey Association of Health Underwriters

North New Jersey Chapter American Society of CLU and ChFC

News Articles

New York Times: The Rising Price of Getting Well - Interviewed by Susan Warner

The Star Ledger: Most small businesses 'unaware' of mandate to change health plans

The Star Ledger: Panel hears call for 'no frills' health insurance

News from Trenton by Gary V. Cupo, CLU, ChFC

NJMTA Annual Presidents Ball

NJAHU Update: President's Message

NJAHU Update: President's Message #2


Small Employer Health Reform

So, you think you have COBRA handled?

NJ "Continuation Coverage" for employees of small businesses with 2-19 employees

New Jersey Small Employer Certification

Tracking Dental Benefit Trends

Managed Health Care! Try it, you might like it.

New COBRA Notices Required


Interview on WEVD talk radio 1050

The Clinton Health Security Plan: What it Means What it Costs - Allegro New Media CD ROM


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