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Our Services

• Benefit Consulting and Brokerage Services
• HR and Benefits Technology Solutions
• Flexible Benefits Services
• Retirement Services
• Voluntary Benefit Products
• Compliance Support
• Executive Benefit Planning
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Spotlight on selected United Benefit Services clients

We are honored to assist the following organizations in their quest for comprehensive and affordable employee benefits:

Robert A. Wakely, CFO, Subaru of New England/Boch Companies

"We have had a business relationship with Dennis Guappone, now a managing director of United Benefit Services, for over 25 years. To survive as our employee benefits broker for that long is a testimonial in itself. Dennis and his staff have repeatedly provided Boch Enterprises with creative financial arrangements to control our benefit costs. They have also always been there to resolve administrative or claim problems along the way. I strongly recommend them."

Bob Stearns, CEO, Bridgewell

"I am consistently impressed with the information United Benefit Services prepares for Bridgewell and the work that is put into coming up with creative solutions and recommendations for us. From my perspective, this is truly what sets United Benefit Services apart from its competitors."

North Suffolk Mental Health Association

The agency wanted to continue providing as rich a benefits package as possible to its employees and their families, with low co-pay and a low deductible without out-of-pocket expenses, but it was facing drastically increased premiums beyond the agency's budgetary capability. With three healthcare plans in its portfolio and the requirement to meet contractual obligations for a small group of unionized employees, the agency wanted to evaluate their options in order to keep good benefits with low co-pay and deductibles as well as keeping affordable premiums in line with the agency's budget constraints.

With barely any changes in co-pay and deductible, the agency saw its increases year over year decline to <8%. Further, the restructured benefits package proved to become an attractive tool to recruit new employees. More

North American Family Institute, Inc. (NAFI)

For NAFI/NFI, the design and implementation of a comprehensive medical benefits program has always been a priority.  Finding a balance between plan design and budget has been a challenge.  In order to recruit and retain skilled employees, NAFI/NFI has consistently offered a rich medical benefits program.  Over the years, the Agency became concerned that it would have to diminish the scope of the program, as medical costs continually skyrocketed. 

Since 1994, NAFI/NFI has achieved its primary goal of offering a comprehensive medical benefits programs to its employees and estimates its average savings to be $.5 to $1M each year, when the costs of its self-funded plan are compared with those of a traditionally-insured plan with a similar plan design. More

Walker

One of the cornerstones of Walker’s employee benefits is its healthcare program, which provides comprehensive coverage under a 2-tier plan, one for individuals and one for families. But in 2004, the organization had experienced such cost increases that it no longer could keep up the pace. A first attempt to restructure the program by offering two alternatives with different levels of deductibles, accessible to employees, did not perform as expected. Employees found they were not able to get their money back, causing not only financial hardships but had also a morale busting effect.  

Since 2004, Walker has enjoyed years of flat, slightly decreased and slightly increased rates in its healthcare benefit costs, without compromising coverage by adding a deductible to the 2-tier plans. More

Work Inc.

The organization needed a top-to-bottom review of its health care programs in order to best assess how to maximize the benefits to employees while minimizing their costs to WORK. Slashing the insurance scope and coverage was not an option for WORK, as the company has established one of the best benefit programs for a non-profit organization in Massachusetts, and wished to maintain that level of excellence.  

In the seven years that United Benefit Services’ Stephen Peck has managed the organization’s healthcare benefits program, WORK recognizes that it has been able to combat the soaring costs of healthcare while enjoying a highly customized plan. The self-insured structure has allowed them to pass on substantial savings in the $100000’s to their employees. More