SPECIALTY BENEFITS

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.

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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

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Specialty Services Overview (PDF)
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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
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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.

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