Insurance,Frank Heljenek, Employee Benefit Consultants, Group Medical,long term care,term life, employee benefit plans, Social Security, retirement income, retirement planning, pension plans, 401(k) plans, defined contribution plans, defined benefit plans, savings, investment education. For over 25 years, Frank Heljenek and his associates have turned chaos to order and confusion to clarity by designing customized benefit plans that meet the needs of the employer and their employees.