Benefits that attract, retain & protect your employees
For over 25 years, we've helped small and mid-size businesses design cost-effective benefit programs — with access to 40+ carriers and hands-on, full-service support.
Comprehensive benefit products
From group medical and dental to voluntary plans, we find the best coverage at the best price.
Health, Dental & Vision
Comprehensive HMO, PPO, EPO medical plans plus dental and vision — tailored to your workforce and budget.
Life & Disability
Group life, short-term and long-term disability coverage to protect your employees financially.
Level Funded Medical
Ideal for healthy employee populations. Employers participate in low claim years with return of premium.
Voluntary Benefits
Accident, critical illness, hospital indemnity, and supplemental options — at no cost to the company.
A broker that works for you
As an independent brokerage, we represent your interests — not a carrier's. That means unbiased advice, broader market access, and solutions built around your goals.
- Personalized plan design & benefit strategy
- Dedicated account management
- Plan setup, installation & underwriting
- Employee enrollment & communication support
- On-going administration & compliance (ACA, HIRD, ERISA)
- Claims advocacy & resolution
"We don't just sell insurance — we manage your entire benefits program."
Independent
Access to 40+ carriers
Licensed
All 50 states
Full Service
Dedicated support contact
No Cost
We're paid by the carrier
Meet Your Broker
Steven A. Linteris
Principal & Broker
With over 25 years in employee benefits, Sal founded Flexible Benefit Solutions on a simple principle: every business deserves a broker who puts their interests first. As an independent brokerage, we're not tied to any single carrier — which means you get unbiased advice and access to the best plans on the market.
From plan design to claims resolution, Sal and his team provide the kind of hands-on, personal service that larger firms simply can't match. That's why our client retention rate exceeds 98%.
What our clients say
Sal and his team made switching our benefits provider completely painless. We saved 15% on our premiums without sacrificing coverage.
Client Name
Company Name
Having a dedicated broker who actually picks up the phone when we have a question has been a game-changer for our HR team.
Client Name
Company Name
FBS handled everything from plan design to employee enrollment. Their expertise in level-funded plans saved us thousands.
Client Name
Company Name
Ready to elevate your employee benefits?
Start with a no-obligation benefits review. We'll benchmark your current plan, identify savings, and show you what's possible.
Let's talk benefits
Whether you're shopping for a new plan or optimizing what you have, we're ready to help.
Steven A. Linteris
Principal / Broker
Phone
(978) 465-0121Office
61 Pleasant Street, Newburyport MA 01950