We Take the Pain Out of Insurance

Whether you are in the market for personal insurance needs or insurance needs for your business - our practice can help. We can also help with claim issues on existing plans, negotiating payments for those without coverage, and signing up for disability. Located in Ridgewood, NJ - contact us today for a free consultation!

Our Practice Specializes In

Click on each icon for additional information.

Employee Benefits

Life Insurance

Medical Insurance

Social Security Disability

Private Disability

Long-Term Care

Pet Insurance


Medical, Disability & Life Claims

About DGS Benefits, Inc

DGS Benefits, Inc. was founded by Thomas Murphy to help consumers make informed choices about insurance products and services.

Tom chose the insurance field to help realize his passion for helping people. This led him to start DGS Benefits, Inc in 1989 and to become an advocate for people with insurance issues. As time went on, Tom expanded DGS Benefits services to include representing people with social security claims and other issues having to do with Medicaid and Medicare.

Now, over 20 years later, Tom has helped hundreds of individuals and companies.

Thank you for considering DGS Benefits, Inc for all your business and individual insurance needs.


Nancy Pizza, Director of HR

Comport Consulting Corporation

Thank you, Tom Murphy and DGS Benefits, for many years of service. You truly epitomize the phrase service with a smile. As businesses make more advances in technology, some have made personal service a thing of the past. We appreciate your commitment to serving your customers with good, old-fashioned respect that is never without that personal touch. You always go that extra mile to walk us through the world of benefits.

Shirley Lipke, Buyer

Marty Shoes Inc.

DGS Benefits Inc. and Mr. Thomas Murphy really get results. His integrity coupled with honesty, sincerity, impeccable flow through, and premier personal employee attention, makes him a superior Employee Benefits/Insurance professional who really cares. Mr. Murphy goes the extra mile and gets the job done.

Philip Pelligral, President

Perfect Finish Ortho Lab

"I can honestly say that Tom Murphy is the best Insurance agent we have ever had. Tom is very attentive to the individual’s personal needs as well as the company’s. He is approachable, and always easy to contact. Tom has a very good working knowledge of the industry and the services that are available, as well as staying current with the latest issues. He helps make our decisions easier by providing the facts and information to know what is right for us. If Tom doesn’t have the answer to a question, he will find it out and call you back promptly. If all business contacts were as friendly and efficient as Tom, life would be a lot easier. "

Frank Schmitt, General Manager

Zwanenberg Food Group, Inc.

Tom Murphy and DGS have been very responsive to our needs. He has been effective clearing up the red tape issues on behalf of our company.

Lisa Yurkanin, Bookkeeper

Perfect Finish

Tom Murphy has done a great job of taking care of Perfect Finishes’ Insurance needs and I would recommend him. Anyone who has dealt with Insurance claims and billing problems knows how frustrating and time consuming it can be. Tom makes my job easier.

Drew S. Porschen, Owner

Northvale Auto Group, Inc.

I would like to thank you for steering me in the right direction as to my company health insurance. The advice you gave me has saved me thousands of dollars annually. Having a small business, this equates to a substantial amount of money. Your services are most appreciated.

DGS Benefits Blog

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Is Life Insurance a Necessity?

There is a definite creep factor to life insurance. Between the overwrought advertisements showing young children missing their daddies and the stereotype of the hard-selling insurance agent (best characterized by Stephen Tobolowsky as Ned Ryerson in “Groundhog Day”), it Read more…

Get in Touch

Find us at the office

79 Chestnut Street
Suite 101
Ridgewood, NJ 07450

Give us a ring

Tom Murphy

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