Federal Communications Commission FCC 13-60
Before the
Federal Communications Commission
Washington, D.C. 20554
In the Matter of
Tim Gibbons
United Employee Benefits Group, United 
Employee Benefits, United Benefits, f/k/a 
Benchmark Mortgage, National Employee 
Benefits Group
United Employee Benefits, LLC
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File No.:  EB-TCD-12-00000234  
NAL/Acct. No.:  201232170005
FRN:  0021538509
FORFEITURE ORDER
Adopted:  May 3, 2013          Released:  May 7, 2013   
By the Commission: Commissioner McDowell not participating.
I. INTRODUCTION
1. In this Forfeiture Order (Order), we issue a forfeiture of $2,187,000 against Tim Gibbons, 
operating as United Benefits, United Employee Benefits (UEB) (including United Employee Benefits, 
LLC), and United Employee Benefits Group (UEBG), all formerly known as Benchmark Mortgage or 
National Employee Benefits Group (NEBG) for willful and repeated violations of Section 227(b)(1)(C) of 
the Communications Act of 1934, as amended (Act),
1
and Section 64.1200(a)(4) of the Commission’s 
rules, by delivering 196 unsolicited advertisements, or “junk faxes,” to the telephone facsimile machines 
of 156 consumers.    
II. BACKGROUND
2. Congress enacted the Telephone Consumer Protection Act of 1991 (TCPA) to address 
problems of abusive telemarketing, including unsolicited facsimile advertisements or “junk faxes.  As a 
result of the TCPA, Section 227(b)(1)(C) of the Act makes it “unlawful for any person within the United 
States, or any person outside the United States if the recipient is within the United States . . . to use any 
telephone facsimile machine, computer, or other device to send, to a telephone facsimile machine, an 
unsolicited advertisement.”
2
          
                                                          
1
See 47 U.S.C. § 227(b)(1)(C); 47 C.F.R. § 64.1200(a)(4).  
2
47 U.S.C. § 227(b)(1)(C).  The prohibition is subject to certain exceptions, such as if the sender has an “established 
business relationship” (EBR) with the recipient, and the sender obtained the facsimile number from the recipient 
through voluntary communication in the context of an EBR, or from a directory, advertisement, or website which  
the recipient voluntarily agreed to make its facsimile number available for public distribution.  In addition, the 
unsolicited ad must notify the recipient how to opt out of receiving future such ads, and do so in compliance with 
certain requirements.  The Commission adopted implementing rules.  See also 47 C.F.R. § 64.1200(a)(4).
Federal Communications Commission FCC 13-60
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3. Pursuant to Section 503(b)(5) of the Act,
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the Enforcement Bureau (Bureau) issued a junk 
fax citation
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to NEBG and Benchmark Mortgage d/b/a NEBG on October 22, 2010 in response to a
consumer complaint alleging that NEBG had faxed unsolicited advertisements.  The citation was directed 
to the attention of Tim Gibbons, president and contact person for NEBG, and expressly warned him that 
future violations of the Act and the Commission’s rules governing telephone solicitations and unsolicited 
advertisements “may subject you and your company to monetary forfeitures.”
5
The Commission never 
received any response.
6
  
4. Subsequently, between March and September 2011, the Commission received numerous
complaints from consumers alleging that they had received unsolicited facsimile advertisements from
NEBG.  Based on these violations, which occurred after the Bureau’s citation, the Commission issued a 
Notice of Apparent Liability of Forfeiture (NAL) on February 29, 2012 for $603,000 against NEBG, and 
Mr. Gibbons in his personal capacity, based on 79 consumer complaints alleging 97 violations of our junk 
fax rules.
7
  
5. As the Commission neared the release of the February 2012 NAL, the Bureau determined 
that it had received complaints against UEB and UEBG.  On September 4, 2012, the Commission issued 
another NAL for $1,584,000 against Mr. Gibbons, as well as UEB and UEBG, among others, based on 87 
consumer complaints alleging 99 violations of our junk fax violations from September 2011 through June 
2012.
8
The NAL found that Benchmark Mortgage, NEBG, UEB, and UEBG appeared to use different 
names for the same business.  
6. Both the February 2012 NAL and September 2012 NAL ordered the respondents either to 
pay the proposed forfeiture amount within 30 days or to submit evidence or arguments to show that no 
forfeiture should be imposed or that some lesser amount should be assessed.
9
On March 29, 2012, on 
                                                          
3
47 U.S.C. § 503(b)(5). 
4
Citation from Joshua P. Zeldis, Assistant Division Chief, Telecommunications Consumers Division, Enforcement 
Bureau, File No. EB-10-TC-478, issued to National Employee Benefits Group and Benchmark Mortgage dba 
National Employee Benefits Group, on October 22, 2010. (The File No. in this case was formerly EB-10-TC-478.  
In January 2011, The Telecommunications Consumers Division reassigned this case the number set forth in the 
caption.)  
5
Id.
6
National Employee Benefits Group acknowledged receipt of the citation, as evidenced by a signed United States 
Postal Service return receipt, Article Number 7008 0500 0000 9339 3528 (National Employee Benefits Group, 
Attn.: Tim Gibbons, President, 795 Folsom Street, 1
st
Floor, San Francisco, CA 94107). 
7
National Employee Benefits Group, Notice of Apparent Liability for Forfeiture, 27 FCC Rcd 2734 (2012)
(February 2012 NAL).
8
Tim Gibbons, United Employee Benefits Group, United Employee Benefits, United Benefits, f/k/a Benchmark 
Mortgage, National Employee Benefits Group, Notice of Apparent Liability for Forfeiture, 27 FCC Rcd 11432
(2012) (September 2012 NAL). (The faxes referred to UEB and UEBG, but identified Tim Gibbons and the same 
contact number for NEBG.)
9
National Employee Benefits Group acknowledged receipt of the February 2012 NAL, as evidenced by a signed 
United States Postal Service return receipts: Article Number 7007 2560 001 6093 7751 (2800 Post Oak Blvd., Suite 
4100, Houston, TX 77056), and Article Number 7007 2560 001 7744 (8871 West Flamingo Road, Suite 202, Las 
Vegas, NV 89147).  Our records also indicate that National Employee Benefits Group acknowledged receipt of the 
September 2012 NAL, as evidenced by a signed United States Postal Service return receipts:  Article Number 7007 
2560 001 6093 7898 (2800 Post Oak Blvd., Suite 4100, Houston, TX 77056);  Article Number 7007 2560 001 6093 
7904 (8871 West Flamingo Road, Suite 202, Las Vegas, NV 89147), Article Number 7007 2560 001 6093 7881 
(United Employee Benefits, LLC c/o Registered Agent for Service: Silver Shield Services, Inc., P.O. Box 3540, 
3315 Highway 50, Silver Springs, NV 89429); and Article Number 7007 2560 0001 6093 7874 (Attorney Robert 
Ungar, 14724 Ventura Boulevard, Penthouse, Sherman Oaks, CA 91403).  
Federal Communications Commission FCC 13-60
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behalf of his client, Tim Gibbons, Robert Ungar requested an extension of time within which to file a 
response to the February 2012 NAL.
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  The Bureau granted the extension of time to respond to the 
NAL.
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  Subsequently, Attorney Ungar informed the Bureau that despite the request for an extension of 
time to respond to the NAL, a formal response would not be submitted.
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  The Bureau, in fact, never 
received a substantive response to the February 2012 NAL, nor did it receive a response of any kind to the 
September 2012 NAL.
13
  
III.        DISCUSSION
7. Section 503(b)(2)(D) authorizes the Commission to assess a maximum forfeiture of 
$16,000 per violation against an entity such as Tim Gibbons and UEB/UEBG.
14
  In exercising such 
authority, the Commission must consider “the nature, circumstances, extent, and gravity of the violation 
and, with respect to the violator, the degree of culpability, any history of prior offenses, ability to pay, and 
such other matters as justice may require.”
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8. Tim Gibbons and UEB/UEBG did not respond to either the February 2012 NAL or the 
September 2012 NAL.
16
  We, therefore, are unaware of any mitigating circumstances that warrant a 
cancellation or reduction of the forfeiture penalty.  For the reasons described in the September 2012 
NAL,
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we find that the names Benchmark Mortgage, National Employee Benefits Group, United 
Employee Benefits (including United Employee Benefits, LLC), and United Employee Benefits Group, 
are one and the same business operated by Tim Gibbons.  Accordingly, we find that Tim Gibbons, United 
Benefits, United Employee Benefits (including United Employee Benefits, LLC), and United Employee 
Benefits Group, all formerly known as Benchmark Mortgage or National Employee Benefits Group
willfully and repeatedly violated Section 227(b)(1)(C) of the Act
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and Section 64.1200(a)(4)
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of the 
Commission’s rules on 196 separate occasions, and impose a forfeiture penalty of $2,187,000 as a result.  
In imposing the penalty, we emphasize that for the reasons articulated in the September 2012 NAL, the 
forfeiture penalty attaches to Mr. Gibbons personally.
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10
See Letter from Robert M. Ungar, attorney representing Tim Gibbons, to Marlene H. Dortch, Secretary, Federal 
Communications Commission (March 29, 2012) (on file in EB-10-TC-478).   
11
See e-mail from Rosemary Cabral , Staff Attorney, Telecommunications Consumers Division, Enforcement 
Bureau, Federal Communications Commission, to Attorney Robert M. Ungar (April 11, 2012, 2:19 p.m. E.D.T.).  
12
See e-mail from Attorney Robert Ungar to Rosemary Cabral, Staff Attorney, Telecommunications Consumers 
Division, Enforcement Bureau, Federal Communications Commission  (May 9, 2012, 11:01 a.m. E.D.T.).
13
See supra note 9, noting acknowledged receipt of the September 2012 NAL.  
14
47 U.S.C. § 503(b)(2)(D).  Section 503(b)(2)(D) provides for forfeitures of up to $10,000 for each violation if the 
violation does not involve a Commission licensee or common carriers, among others.  See 47 U.S.C. § 503(b)(2)(C).  
In accordance with the inflation adjustment requirements contained in the Debt Collection Improvement Act of 
1996, Pub. L. No. 104-134, Sec. 31001, 110 Stat. 1321, the Commission increased the maximum statutory forfeiture 
under Section 503(b)(2)(C) to $16,000.  See 47 C.F.R. §1.80(b).  See also Amendment of Section 1.80(b) of the 
Commission’s Rules, Adjustment of Forfeiture Maxima to Reflect Inflation, 23 FCC Rcd 9845 (2008) (amendment 
of section 1.80(b) to reflect an increase in the maximum forfeiture for this type of violation to $16,000). 
15
47 U.S.C. § 503(b)(2)(E).  
16
See supra note 13.
17
27 FCC Rcd at 11437, para. 12.  
18
47 U.S.C. § 227(b)(1)(C).
19
47 C.F.R. § 64.1200(a)(4).  
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See February 2012 NAL, 27 FCC Rcd at 2734, n.1; September 2012 NAL 27 FCC Rcd at 11433, para. 4.  
Federal Communications Commission FCC 13-60
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IV. ORDERING CLAUSES
9. Accordingly, IT IS ORDERED, pursuant to Section 503(b) of the Communications Act 
of 1934, as amended, 47 U.S.C. § 503(b), and Section 1.80(f)(4) of the Commission’s rules, 47 C.F.R. 
§1.80(f)(4), that Tim Gibbons, operating as United Benefits, United Employee Benefits, or United 
Employee Benefits Group, all formerly known as Benchmark Mortgage or National Employee Benefits 
Group, independently and together with United Employee Benefits, LLC, ARE JOINTLY AND 
SEVERALLY LIABLE FOR A MONETARY FORFEITURE to the United States Government in the 
sum of $2,187,000 for willfully and repeatedly violating Section 227(b)(1)(C) of the Communications 
Act, 47 U.S.C. § 227(b)(1)(C), and Section 64.1200(a)(4) of the Commission’s rules, 47 C.F.R. § 
64.1200(a)(4).
10. Payment of the forfeiture shall be made in the manner provided for in Section 1.80 of the 
Rules within thirty (30) calendar days after the release date of this Forfeiture Order.
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If the forfeiture is 
not paid within the period specified, the case may be referred to the U.S. Department of Justice for 
enforcement of the forfeiture pursuant to Section 504(a) of the Act.
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Tim Gibbons shall send electronic 
notification of payment to Johnny Drake at Johnny.Drake@fcc.gov, Rosemary Cabral at 
Rosemary.Cabral@fcc.gov, and Phillip Priesman at Phillip.Priesman@fcc.gov on the date said payment 
is made.
11. The payment must be made by check or similar instrument, wire transfer, or credit card, 
and must include the NAL/Account number and FRN referenced above.  Regardless of the form of 
payment, a completed FCC Form 159 (Remittance Advice) must be submitted.
23
  When completing the 
FCC Form 159, enter the Account Number in block number 23A (call sign/other ID) and enter the letters 
“FORF” in block number 24A (payment type code).  Below are additional instructions you should follow 
based on the form of payment you select:
? Payment by check or money order must be made payable to the order of the Federal 
Communications Commission. Such payments (along with the completed Form 159) must be 
mailed to Federal Communications Commission, P.O. Box 979088, St. Louis, MO 63197-
9000, or sent via overnight mail to U.S. Bank – Government Lockbox #979088, SL-MO-C2-
GL, 1005 Convention Plaza, St. Louis, MO 63101.
? Payment by wire transfer must be made to ABA Number 021030004, receiving bank 
TREAS/NYC, and Account Number 27000001. To complete the wire transfer and ensure 
appropriate crediting of the wired funds, a completed Form 159 must be faxed to U.S. Bank 
at (314) 418-4232 on the same business day the wire transfer is initiated.
? Payment by credit card must be made by providing the required credit card information on 
FCC Form 159 and signing and dating the Form 159 to authorize the credit card payment.   
The completed Form 159 must then be mailed to Federal Communications Commission, P.O. 
Box 979088, St. Louis, MO 63197-9000, or sent via overnight mail to U.S. Bank –
Government Lockbox #979088, SL-MO-C2-GL, 1005 Convention Plaza, St. Louis, MO 
63101.
Any request for full payment under an installment plan should be sent to: Chief Financial Officer—
Financial Operations, Federal Communications Commission, 445 12th Street, S.W., Room 1-A625, 
Washington, D.C. 20554.
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  If you have questions regarding payment procedures, please contact the 
                                                          
21
47 C.F.R. § 1.80.
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47 U.S.C. § 504(a).
23
FCC Form 159 and detailed instructions for completing the form may be obtained at 
http://www.fcc.gov/Forms/Form159/159.pdf.
24
See 47 C.F.R. § 1.1914.
Federal Communications Commission FCC 13-60
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Financial Operations Group Help Desk by phone, 1-877-480-3201, or by e-mail,
ARINQUIRIES@fcc.gov.
12. IT IS FURTHER ORDERED that a copy of this Order shall be sent by First Class Mail 
and Certified Mail Return Receipt Requested to Tim Gibbons and United Employee Benefits, LLC, 8871 
West Flamingo Road, Suite 202, Las Vegas, NV 89147; National Employee Benefits Group, United 
Employee Benefits Group, and Tim Gibbons, 2800 Post Oak Blvd, Suite 4100, Houston, TX 77056; 
Registered Agent for Service: Silver Shield Services, Inc., United Employee Benefits, LLC, P.O. Box 
3540, 3315 Highway 50, Silver Springs, NV 89429, and Tim Gibbons and United Benefits, 101 
California Street, Suite 2710, San Francisco, CA 94111-5818; and Attorney Robert Ungar, counsel for 
Mr. Gibbons, 14724 Ventura Boulevard, Penthouse, Sherman Oaks, CA 91403.
FEDERAL COMMUNICATIONS COMMISSION
Marlene H. Dortch
Secretary