Use ancillary, financial protection, and specialty plans to offer a way 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

As an Independent Associate, United Benefits Group is a licensed representative to market LegalShield and IDShield products and services. They are making legal and ID protection coverage simple. LegalShield and IDShield offer full-service coverage that makes legal representation and ID protection and restoration services accessible and affordable.


LegalShield Legal Plan

Everyone deserves legal protection

  • A small monthly fee gives you access to advice and counsel on an unlimited amount of personal legal issues from attorneys with an average of 19 years of experience.
  • Talk to an attorney on any personal legal matter without worrying about high hourly costs.
  • LegalShield has been offering legal plans to members for over 45 years, creating a world where everyone can access legal protection—and everyone can afford it.


IDShield Protection and Restoration Plan

Millions of people lose their identities every year – don’t be one of them.

  • Identity theft has been one of the top complaints led by the FTC for the last 16 years, and IDShield is a company that’s more than a website or data breach specific coverage.
  • IDShield is an established institution that understands all the potential threats, how to prevent them, and how to restore any damage done.
  • Members have unlimited access to identity consultation services provided by Kroll’s Licensed Investigators.
  • The Investigator will advise members on best practices for identity management tailored to the member’s specific situation. Should there be an identity theft event, the Investigator will recommend that a case be opened for restoration.
  • Members have access to member support agents and 24/7/365 for emergencies.


Visit our designated site to learn more about the following programs and how they offer protections from legal and identity theft issues.