Use ancillary, financial protection, and specialty plans to enhance your benefits package and help employees be more productive. Our Specialty Benefits Department gives you access to a suite of ancillary and specialized services – complete with a team of experts to research and implement tailored solutions.

Ancillary Products

We’re simplifying how dental, vision, life, disability, pharmacy, and medical plans work together, delivering more comprehensive benefits at an affordable cost with less hassle. These products can be offered as a group benefits (employer-paid), voluntary benefits (employee- paid), or individual coverage.


Our responsive team of experts works together to deliver in-depth knowledge in each product area. In short, our specialty benefits team enables a streamlined user experience and opportunities for savings.

  • Accident
  • Critical Illness
  • Dental
  • Disability
  • Hospital Indemnity
  • Life & ADD
  • Multiple Lines
  • Vision
  • Voluntary
  • Wellness
  • Worksite


Specialty Services Overview (PDF)

Specialty Products

Minimum Essential Coverage (MEC) & Minimum Value (MV) Plans

Our Specialty Department helps Applicable Large Employers (ALEs) solve the complicated challenges under the Affordable Care Act and coverage requirements with Minimum Essential Coverage (MEC) & Minimum Value (MV) Plans.


MEC & MVP Highlights

  • Flexible Suite of Minimum Essential Coverage
  • Minimum Value, Living Wage, and Wage Parity Solutions
  • Single Administrative Platform for Integrated Solutions
  • Offers Programs Complete with Detailed Audit Trail Accounting, Compliance Documentation (ACA & ERISA), and Assistance with DOL Inquiries (if applicable)
  • Assistance in Facilitating all Compliance Reporting Requirements Pertaining to Determination of FTEs, Tracking New Hires, and Measurement Periods
  • Protect Employers Against Significant Unexpected Claims by Limiting Total Claims Liability to a Pre-Determined Annual Amount


MEC to Metallic

United Benefits offers a spectrum of health plans that include Minimum Essential Coverage (MEC), Minimum Value(MV), and Metallic Level plans (bronze to platinum). Our program is managed under a single administrative platform and an individual risk umbrella with A-rated carriers.



Limited Day Medical Plans

Limited Day Medical plans offer an Affordable Care Act compliant alternative to typical MEC and Fixed-Indemnity options while providing coverage for a wide range of important health services ranging from doctor visits to hospital stays. Benefits are paid directly to providers, while members are only responsible for low copayments and a monthly premium to maintain coverage – there is no deductible or coinsurance.

This offering is ideal for those who cannot afford or are not eligible for traditional fully-insured plans. United Benefits has partnered with best-in-class Third-Party Administrators (TPAs) to offer this unique program. Limited Day Medical plans are favorable for employers with a large ratio of hourly or seasonal workers or low-wage employees, such as:

  • Large Retailers
  • Wholesalers
  • Staffing Agencies
  • Security Guard Firms
  • Hospitality Groups
  • Unions

LegalShield and IDShield

In a world where so much seems beyond an individual’s control, PPLSI brands, LegalShield and IDShield, empower people to defend themselves against injustice and secure their future.

As a licensed Independent Associate, United Benefits Group offers businesses and individuals resources for comprehensive legal and identity theft protection benefits. LegalShield and IDShield offer full-service coverage, making legal representation, ID protection, and restoration services accessible and affordable while providing peace of mind and financial well-being.


LegalShield Services

From resolving speeding tickets and reviewing business documents to helping you prepare your Last Will and Testament, LegalShield transforms affordable legal services from a nice-to-have into a right-to-have.


IDShield Services

IDShield proactively defends your private data and online reputation with full-service monitoring and restoration for when cyber threats become a reality.


You can visit our designated site to learn more about the following programs and how they offer protection from legal and identity theft issues.