An Honest Approach to Insurance Coverage

Over 30 years serving local residents and businesses of New Jersey.

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Thomas Murphy

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 30 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.

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Lost Your Health Insurance in NJ? Here's What to Do Next

Losing your health insurance is stressful enough without also trying to figure out what happens next — here's what to do, your coverage options, and the 60-day deadline you can't miss.
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Medicare Open Enrollment NJ: What Changes Every Year

Premiums, drug costs, and plan benefits get rebuilt every single year — here's what actually changes for 2027, and the Medicare Open Enrollment deadlines you need to know.
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NJ Health Insurance Marketplace Open Enrollment 2026: What You Need to Know

Get Covered NJ's open enrollment runs November 1 through January 31 — but with enhanced subsidies gone and premiums up sharply, this year's numbers won't look like last year's.
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