Meet the Team

The faces behind Creative Benefits.


Ruth Graham



“In the thirty plus years that we have been assisting clients with employee benefits programs, there has been constant change. But today we face the largest overhaul of our nation’s health care system in over half a century. The size and scope of the Affordable Care Act is so vast, leaving so many people overwhelmed and confused.  The answers to many questions and the facts of the legislation are buried under layers of myths and opinions. In the summer of 2012, Creative Benefits launched our Health Care Advisory initiative. We made it our business to understand this law and how it applies to our client organizations. We have created a system of client alerts to keep our clients compliant and keep their businesses financially intact. I invite you to get to know us a little better and learn about our organization and our amazing talent.”

Be Well,



“From the outset of our business relationship, we have received exceptional services from your company.  Specifically, you have kept our health insurance premiums constant and even reduced cost when premiums were increasing 10% to 25% per year, saving our firm thousands of dollars…”

Managing Partner
Legal Services Industry