I bought this particular plant to learn how to care for this type of tree... a long time ago, as a boy, I had been unable to care for more expensive plants, and because I decided to try it again, I figured, learning to cook a hamburger isn't the worst first step in doing more complicated things.
Fair enough.
I haven't been able to get a picture of the bugs.. they were small the size of a pen tip.. shaped needle like and they were in the soil.
I'm going to have to guess. Could be fungus gnats. This may be caused by the fact that the soil stays too wet. Make sure you let it dry between waterings, care guidelines for Ficus, including watering techniques, can be found on this website. Does the pot have a drainage hole?
It should be possible to brush of the algae with some water and a soft toothbrush, carefully.
Fungus gnat:
Size seems to match, but not really needle shaped... so I'm not sure.