SUFFOLK COUNTY MUNICIPAL EMPLOYEES BENEFIT FUND

What SUFFOLK COUNTY MUNICIPAL EMPLOYEES BENEFIT FUND does

Suffolk County Municipal Employees Benefit Fund (SCMEBF) is a self-insured, nonprofit municipal employee benefit fund established in 1974 through collective bargaining between the Suffolk County Association of Municipal Employees and the County of Suffolk. Headquartered in Bohemia, New York, the Fund administers ancillary health, welfare, and legal benefits to active and retired Suffolk County municipal employees and their eligible dependents. Core offerings include dental coverage (up to $4,000/year for general dentistry), optical reimbursement (up to $100/year), prescription co-pay reimbursement, hearing aid reimbursement (up to $400 every 36 months), and a pre-paid legal services plan through Feldman, Kramer & Monaco, supplemented by bereavement ($25,000), survivor ($1,000), tax preparation, specialist co-pay, and health insurance assistance benefits. The Fund also offers discount programs for auto/home insurance (Farmers), pet insurance (MetLife), and identity protection (Aura). Retirees are served through both a no-cost Basic Retiree Plan and a self-pay Enhanced Retiree Plan (SPERP) tiered at Premium and Premium Plus-T levels, with annual premiums ranging from $367.50 to $2,558.

The Fund's operating model is built on bi-monthly employer contributions from Suffolk County and other participating municipalities, set through collective bargaining. There is no external funding, no parent company, and no public trading. Administration is led by a 1–10 person staff under Administrator Scott Mirabella (since January 2019) and governed by a Board of Trustees composed of Labor Trustees. The Fund contracts with third-party administrators for claims processing (ASO for dental as of 2026, replacing MetLife and Healthplex; Express Scripts for prescriptions; Aetna for health insurance as of 2025), and engages specialized partners for investments (Clark Capital Management Group), auditing (Weaver LLP), and legal counsel (Davis & Ferber). Member engagement is conducted through a website, newsletters, webinars, dinner-and-learn events, and direct service via phone, email, and in-person consultations.

Revenue mechanics rely on two streams: (1) employer contribution income, which is the dominant source funded by Suffolk County at an annual rate prorated bi-monthly per active employee, and (2) self-pay retiree premiums and COBRA payments. Contribution rates were increased in January 2020 for the first time since 2012, following successful AME contract negotiations. The customer base is highly concentrated in Suffolk County municipal employees and retirees, with no external customers or geographic expansion beyond the fund's defined collective bargaining scope.

Name

SUFFOLK COUNTY MUNICIPAL EMPLOYEES BENEFIT FUND

Legal name

Suffolk County Municipal Employees Benefit Fund

Website

https://scmebf.org

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1–10 employees

Short description

SCMEBF is a self-insured, nonprofit municipal benefit fund established in 1974 that administers ancillary health, welfare, and legal benefits — including dental, optical, prescription, and legal services — to active and retired Suffolk County municipal employees and their dependents, funded through employer contributions and retiree self-pay premiums.

Ownership category

akta.pro rank

Product category

Municipal Employee Benefit Fund

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro industry

PRIMARYBPAIABAI

State/Provincial Human Services & Benefits Administration (Welfare, Disability, Child & Family)

Business & Public Services/Public Sector & Government Administration/State/Provincial & Regional Government Administration

Keywords

• Municipal employee benefits
• Ancillary health benefits
• Dental vision coverage
• Legal services plan
• Retiree benefit fund

Headquarters

HQ city

Bohemia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel

Revenue model

1. Employer Contributions: Contributions from Suffolk County and other municipalities made bi-monthly on behalf of active employees, as stipulated in collective bargaining agreements. Retired members have no contributions made on their behalf.
2. Self-Pay Retiree Plan Premiums: Self-Pay Enhanced Retiree Plans (SPERP) with Premium and Premium Plus-T options, ranging from $367.50 to $2,558 annually depending on coverage level. COBRA payments also collected from $18.20 to $2,280.96.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Suffolk County Municipal Employees Benefit Fund is a self-insured, non-profit benefit trust established in 1974 through collective bargaining that administers ancillary health, welfare, and legal benefits for Suffolk County municipal employees, retirees, and their eligible dependents. Core offerings include dental, optical, hearing aid, prescription, legal, bereavement, survivor, tax preparation, and specialist co-pay reimbursements, plus insurance discount programs and civil service consulting.

Product overview

SCMEBF operates as a multi-benefit fund offering a coordinated portfolio of ancillary health, welfare, and legal benefits to Suffolk County municipal employees and retirees. The core offerings center on dental, optical, prescription, hearing aid, and legal services, supplemented by specialty benefits including health insurance assistance, tax preparation reimbursement, bereavement and survivor benefits, and specialist copay reimbursements. The fund provides three distinct coverage tiers: Active Member benefits at full coverage levels, a no-cost Basic Retiree Plan with reduced annual limits, and Self-Pay Enhanced Retiree Plans (SPERP) offering premium and premium-plus options for retirees seeking higher coverage. Additional discount programs include auto/home insurance (Farmers) and pet insurance (MetLife).

Differentiator

Problem solved

Functional benefit

Products and services

• Dental Benefit Plan

Quantifiable outcome

• Bereavement benefit of $10,000 (prior to 1/1/2021) or $25,000 (after 1/1/2021)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• ASO, Inc. (Administrative Services Only)coreTechnology or IntegrationASO serves as the Fund's third-party administrator for dental claims processing and payment, hired in 2026 to streamline dental claims, increase in-network provider list, and save money. ASO reviews all Fund dental claims to ensure payments are made according to Fund guidelines.
• Feldman, Kramer & Monaco, P.C.coreTechnology or IntegrationLaw firm providing Pre-Paid Legal Services Plan for members including free will preparation, real estate transactions, family court representation, elder law consultations, and discounted rates for various legal matters. Located at 330 Vanderbilt Motor Parkway, Suite 400, Hauppauge, NY 11788. Contact: 1-800-832-5182.
• MetLifecoreTechnology or IntegrationDental plan administrator for Active, Full COBRA & Enhanced Retirees (1/1/25-12/31/25) and No-Cost Basic & Basic Cobra Retirees (1/1/24-12/31/25). Also provides pet insurance through the Fund. Prior dental administrator through Healthplex brand.
• HealthplexcoreTechnology or IntegrationPrior dental plan administrator for Active, Full COBRA & Enhanced Retirees (prior to 1/1/25) and No-Cost Basic & Basic Cobra Retirees (prior to 1/1/24). Transitioned to MetLife administration.
• JB Greco & AssociatescoreChannel Partner/ Reseller/ DistributorInsurance broker facilitating Farmers GroupSelect auto/home insurance, MetLife Pet Insurance, and Aura Identity Protection products for Fund members. Made Farmers insurance discounts possible for members. Contact: 855-866-0109.
• Suffolk County Association of Municipal EmployeescoreStrategic or Co-development PartnerUnion representing county employees with whom collective bargaining agreements are made that establish contribution amounts and benefit structures for the Fund.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Others

• MetLife (Group Benefits): While not a peer in benefit administration, MetLife is a current SCMEBF partner and a major administrator of group dental, disability, and voluntary benefits for public-sector clients. Comparable in product mix and customer segment.
• Healthplex: Former dental third-party administrator for SCMEBF and current dental administrator for many NY municipal and union benefit funds. Closely tied to the Fund's operating model and comparable in customer base.
• ASO (Administrative Services Only, Inc.): Third-party administrator hired by SCMEBF effective 2026 to process dental claims and manage the provider network. Comparable TPA peers for other municipal benefit funds serve as functional analogues.

Broad incumbents

• CalPERS Health Benefits Program: California Public Employees' Retirement System administers health and welfare benefits for California public agency employees and retirees. Far larger scale and broader geographic mandate, but same fundamental structure of pooled contributions funding health/ancillary benefits for government workers.

Regional players

• State Health Benefit Plan (SHBP) - Georgia: State-administered health and welfare benefit plan for Georgia public employees and retirees. Comparable pooled-contribution model with tiered plan options and retiree coverage, but operates at the state rather than county level.
• School Employees' Health Benefits Program (SEHBP) - New Jersey: New Jersey public-sector health benefit plan for school and local government employees. Similar self-funded, multi-employer structure providing health and ancillary benefits with retiree options, though at state scale.

Direct peers

• New York State Health Insurance Program (NYSHIP) / Empire Plan: State-level employee benefits plan administered for New York public employees and retirees. Operates a similar model of pooled employer contributions providing health and ancillary benefits, and is the most direct state-level analogue to SCMEBF's municipal focus.
• New York City Employees' Retirement System (NYCERS): Municipal employee benefit and retirement system serving NYC employees and retirees. Highly comparable in mission and structure to SCMEBF, though operating at much larger scale within a single municipality.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SCMEBF
• Facebookfacebook.com/scmebf
• Instagraminstagram.com/scmebf30
• LinkedInlinkedin.com/company/suffolk-county-municipal-employees-benefit-fund

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SUFFOLK COUNTY MUNICIPAL EMPLOYEES BENEFIT FUND