WD core benefits group

An Award Winning Company

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WD & Associates is recognized by its peers as one of the leading employee benefits, health plan consulting firms of its kind in New England, ranked in the top 1% nationwide and winning top honors and awards year after year.

Areas of Specialization

• Health Insurance

• Self-Funded Programs

• Exchanges




• Stop Loss Programs

• Dental Insurance

• Vision Insurance

• Group Life Insurance

• Group Disability

• Voluntary Benefits

• Telemedicine

• Data Analytics

• Compliance

• Wellness Programs

• Non-Brokered Consulting

• RFPs

• Pay or Play Rules

• Multi-year Planning

• Benchmarking

• Claims Analysis

• Online Enrollment Technology

• High Cost Claims Identification

• Medicare

Self Funded Programs:  A major role we play is advisor on the proper funding mechanism and the level of risk that is appropriate for an account. WD is well versed in the issues surrounding self funding, and stop-loss marketplace.


Data Analytics:  Using leading edge technology, WD obtains meaningful information that helps us evaluate cost drivers, trends and savings opportunities associated with our clients’ benefits plans and claims. For clients looking for an in depth report, we will produce a comprehensive report benchmarking all claims against regional and national norms.


Claims Analysis:  It is our job to make sure last year's claims are not counting against this year's renewal.


RFPs:  WD & Associates welcomes your Request for Proposal. Please email wmd@wdandassociates.com


Legal Compliance:  Between changing legislation and health care reform, staying compliant has never been more difficult. Not anymore—WD delivers all the legislative information you need through our Legislative Briefs Publication.

Pay or Play Rules:  Our healthcare reform Pay or Play Calculator determines what penalties your group could be vulnerable to and estimates the potential penalty amount.


Medicare:  We have licensed senior care professionals on staff to work on a group or individual Medicare plan.


Benchmarking:  Valuable benefit trend statistics and surveys are one of the core pieces of information that we provide to our clients to help support their benefit design strategy all the way to their PTO policy and more.


Online Enrollment Tech:  Our firm provides a secure web-based HRIS employee communications portal that will allow employees to select benefits, access policies, procedures, benefit statements, vacation tracking, human resource forms and more.


Wellness:  Our online interactive wellness program allows you to customize a simple or more complex wellness initiative. A turn-key program will provide everything you need from posters to surveys, gauging your ROI.


Non-Brokered Consulting:  At WD, we understand you may have long standing relationships with current brokers. However, you also know the importance of a second opinion. For a small fee we provide a full in-depth renewal analysis with recommendations as if we were your broker of record.

Core Benefits Team

Bill Delmage

President & CEO


Terry Merrit

Vice President of Benefits


Tammie Delmage



Ben Delmage

Vice President Sales & Marketing


Joanne Audette, Esq.

In-house Legal Counsel

Tom Tasca

Sr. Employee Benefits Specialist


Susan Piccerelli

Sr. Employee Benefits Specialist


Jonathan Delmage

Marketing and Sales Strategist


Kay Byron

Small Group Account Manager


Natalie Delmage

Marketing Director

Resource Center

Could your HR department use extra support? Whether you’re looking for ready-to-print employee flyers featuring targeted health, safety and wellness issues or searching for legislative information, communication or HR administration tools.  We at WD offer a wealth of time-saving HR tools, guides, and educational resources.

Below is a sampling of WD's client resources.



Corporate Office

34 Hemingway Drive

East Providence, RI 02915

Phone 401-435-4239

Fax 401-435-5060


Additional Offices

Newport, RI

North Kingstown, RI

Hoboken, NJ