Voluntary Group Term Life | VADD | BIC

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 insurance (VGTL) is an inexpensive form of life insurance offered through your employer and premiums are conveniently payroll deducted.  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.

Presentation:  VGTL . VADD

Accident Elite

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: USAble Life - Accident Elite

Cancer Care Elite

Our Cancer insurance provides supplemental coverage when certain losses occur as a result of cancer or a covered disease. Three plan options are available for employees and their eligible family members; benefits are paid directly to the employee regardless of other insurance coverage.

Presentation: USAble Life – Cancer Elite

Hospital Indemnity

If you need assistance with deductibles and copayment expenses, USAble Life provides you and your eligible family members with an individual Hospital Plan. This plan pays supplemental benefits to cover unexpected expenses in the event of a hospitalization.

Presentation: USAble Life – Hospital Indemnity

Application - VGTL/VADD wEOI

Applications are subject to underwriting approval. Written notification will be provided if additional information is needed and/or if your application is denied.

Application - Accident Elite

Applications are subject to underwriting approval. Written notification will be provided if additional information is needed and/or if your application is denied.

Application - CancerCare Elite

Applications are subject to underwriting approval. Written notification will be provided if additional information is needed and/or if your application is denied.

Application - Hospital Indemnity

Applications are subject to underwriting approval. Written notification will be provided if additional information is needed and/or if your application is denied.

Medical Expense / Healthcare Flexible Spending Account (FSA) - TASC | NO CARRYOVER

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 maximum:  $3,200

2025: He

Dependent Care FSA maximum per household:  $5,000

Use-It or Lose-It:  Your employer does not allow Carryover.  All monies must be spent by the last day of your plan year or be forfeited.  

Generic Presentation (maximums presented in this presentation are old):  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.

Rate Chart | 4 Plans