Welcome White County Schools
Customer Care
Phone: (800) 370-5856
E-mail: custserv@usablelife.com
Claims
Download Forms
Phone: (800) 370-5856
Fax: (501) 235-8417
claims@usablelife.com
Wellness Claims
Wellness Claim FormFile Online
Phone: (800) 370-5856
Fax: (501) 235-8400
claims@usablelife.com
Educators LTD Claims
LTD Claim Form
300 Southborough Drive, Suite 200
South Portland, ME 04106
Phone: (877) 254-0085
Fax: (207) 766-3448
claims@yourbenefitexpert.com
Other Information
Common QuestionsEmployee Benefits Enrollment is October 7 - October 11, 2024
Term Life
Term Life insurance is the least expensive form of life insurance coverage you can purchase. It provides life insurance for a stated period or term and is guaranteed renewable for subsequent term periods.
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Voluntary Group Term Life
If you need additional term life protection for you and your eligible family members, think about USAble Life’s affordable Voluntary Group Term Life coverage. You select the benefit amounts to suit your specific situation, and premium payments are made through payroll deduction.
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Voluntary Accidental Death & Dismemberment
Voluntary Accidental Death & Dismemberment coverage provides protection in the event of an unexpected loss of accidental death or dismemberment. Protection is issued on a 24-hour basis for you and your eligible family members, and covers you as the result of a covered accident anywhere in the world.
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Educators Long Term Disability
Long Term Disability is designed to provide income protection if you become disabled as the result of a covered sickness or injury.
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Accident
An accident can change everything in the blink of an eye. The costs of dealing with a life-altering accident can be overwhelming for those who are unprepared. Bills can pile up quickly, linger for years after an accident, and have a lasting effect on everyone in the household. USAble Life’s Accident Plan offers you an additional layer of financial protection and pays you directly in the event of a covered accident.
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Cancer
Cancer insurance provides supplemental coverage when certain losses occur as the result of cancer or a covered specified disease. This coverage is available to you and your eligible family members with a choice of three plans. Benefits are paid directly to you regardless of other insurance coverage.
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Critical Illness
The overwhelming majority of healthy individuals over age 40 will become critically ill at some point in their future. The costs of treating a critical illness or end-of-life care can be devastating to you and your family’s income and life savings if sufficient insurance is not in place. Critical Illness coverage helps with the non-medical costs that often accompany a critical illness diagnosis and treatment, including travel, child care, and other unexpected expenses.
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What is a Cafeteria Plan?
A (Section 125) Cafeteria Plan allows you to pay for certain employer-sponsored benefits with pretax dollars. Some examples of coverage that may be eligible for pretax premiums include health, dental, cancer, hospital, and accident policies. In most cases, if the premiums are paid on a pretax basis, the benefits will be subject to income tax. Elections to pay for a benefit in pretax dollars under a Cafeteria Plan are generally required to be effective for a 12-month period. They may not be changed during that election period unless you have a change in status such as death, marriage, divorce, adoption, birth, or a change in your spouse’s employment status.
Medical Flexible Spending Account
Medical Flexible Spending Accounts (FSA) allow you to pay for qualifying medical expenses on a pretax basis. Expenses can come from family medical deductibles, copayments, eye care expenses, prescription drugs, and family dental expenses. It is allowable to exempt medical expenses for yourself, your spouse, and all dependents you list on your federal tax return.
Dependent Care Reimbursement
Dependent Care Accounts allow dependent care expenses for children under age 13, or a disabled spouse or person of any age who is unable (mentally or physically) to take care of him or herself and who spends at least eight hours a day in your home, to be deducted from your paycheck. The maximum dollar amount allowable under IRS regulations is $5,000 ($2,500 if married and filing separately) per plan year.