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

Critical Care Elite

Critical Illness coverage provides a lump-sum payment upon the first diagnosis of a covered critical illness. Covered critical illness include carcinoma-in-situ, heart attack, stroke, end-stage renal disease, major organ transplant surgery, quadriplegia, coronary artery bypass surgery, balloon angioplasty, stent or laser relief obstruction procedures, or cancer (may be purchased with or without). Benefits are paid directly to you over and above other insurance coverage.

Presentation: USAble Life – CriticalCare 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

Term Life (Individual)

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. Please contact your local USAble Life representative for a personalized quote(s).

Presentation: USAble Life - Term Life

Voluntary Accidental Death and Dismemberment

Accidental Death & Dismemberment insurance provides benefits if the cause of death or dismemberment is caused by an accident related incident. An affordable compliment to Group Term Life.

Presentation: USAble Life – VADD

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.