Voluntary Group Term Life / Voluntary Accidental Death | ALULIKE

If you were recently hired and/or this is your first Open Enrollment, you may apply for VGTL for your self, spouse and child(ren) with guaranteed issue.

Voluntary Group Term Life (VGTL) insurance is the least expensive form of life insurance. Benefit is paid to the beneficiary when a covered individual dies, providing financial security in the event of an unforeseen death.

Voluntary Accidental Death & Dismemberment (VADD) insurance provides benefits if the cause of death or dismemberment is due to an accident-related incident. Affordable supplement to life insurance.

Presentation: VGTL / VADD (10030GTLA+)

Please log-in to AccessAble to view prices.

Hospital Confinement | ALULIKE

All employees may apply for coverage with guaranteed issue (no medical questions asked). If you enroll in coverage for yourself, you can then enroll in coverage for your spouse and child(ren). Please reach out to Cheryl.Archer@usablelife.com to bypass the health questions.

Over the course of a prolonged hospital stay, savings may be put at risk simply to cover a variety of deductibles and co-payments. For many, turning to other family members and friends for help may seem like the only option to pay for expenses not covered by traditional insurance.

Hospital benefits can provide a reassuring layer of financial protection to you and your family by paying cash to cover unexpected expenses in the event of hospitalization.

Presentation: Hospital (BSNHGI)

Please refer to the online enrollment site, AccessAble, for premiums.

Critical Illness + Cancer | ALULIKE

All employees may apply for Critical Illness + Cancer coverage with no medical questions asked (guaranteed issue). If you enroll in coverage for your self, you can enroll in coverage for your spouse and child(ren). Please contact Cheryl.Archer@usablelife.com to bypass the health questions.

Every few seconds, an American suffers a heart attack or is diagnosed with cancer. The impact this can have on you and your family’s finances can be devastating. The copayments and the expenses that aren’t covered by major medical insurance eat away at savings as well as the belief that things can get better. Critical Illness + Cancer coverage helps with the nonmedical costs that come with such devastating diagnoses, including travel, childcare, and other unexpected expenses.

Presentation: Critical + Cancer (NHGI)

Please refer to the online enrollment site, AccessAble, for premiums.

Accident Recovery | ALULIKE

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.

Presentation: Accident Recovery (24HRB)

Please refer to the online enrollment site, AccessAble, for premiums.

Medical Expense / Healthcare Flexible Spending Account (FSA) - TASC

Medical Expense FSA allows 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.

2024: Healthcare FSA max:  $3,200 | Carryover max:  $640 (from 2024 into 2025)

2025: Healthcare FSA max: $3,300 | Carryover max: $660 (from 2025 into 2026)

Presentation reflects 2023 maximums:  What is FSA – TASC

Dependent Care Flexible Spending Account (FSA) - TASC

Dependent Care FSA allow dependent care expenses for children under age 14, 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.