Optimum Benefits is a full-service employee benefits company, offering such services as health, dental, life, AD&D, vision and disability insurance, as well as 401K programs. We are committed to being accessible, attentive and proactive to our clients' needs. Why should you choose Optimum Benefits? Looking for a Quote? Health Insurance Dental Insurance Life and AD&D Insurance Vision Insurance Disability Insurance (Long-Term and Short-Term) 401K and 403B Benefit Programs Profit-Sharing Programs Section 125 Planning / Flexible Spending Accounts Voluntary Plans COBRA Administration