Welcome Blount County Government

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 Form
File Online
Phone: (800) 370-5856
Fax: (501) 235-8400
claims@usablelife.com

Other Information

FAQCommon Questions

Employee Benefits Enrollment is October 16 - November 3, 2023   

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 Long Term Disability

Voluntary Long Term Disability provides partial income replacement for you if you become disabled as the result of a covered sickness or injury.

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Voluntary Short Term Disability

If you need to insure your income, Voluntary Short Term Disability can help by providing partial income replacement when you experience disability due to a covered sickness, injury, or pregnancy. Benefits are paid to you weekly as long as you are insured under the plan, remain disabled, and under the regular care of a physician.

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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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Critical Illness + Cancer

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.

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Hospital

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.



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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.



The above product list outlines the products currently offered for enrollment. Any products in which you may have previously enrolled may differ from those outlined here. Please refer to your policy for coverage information or contact customer service at (800) 370-5856 with questions regarding your policy. This benefit summary provides a very brief description of USAble Life’s insurance products. This is not an insurance policy and only the actual provisions of an issued policy control. USAble Life’s policies set forth the rights and obligations of covered persons and USAble Life. Please be aware that certain limitations and exclusions may apply, and certain coverage may reduce or terminate due to age or lack of eligibility. If you enroll and are approved for coverage, you will be furnished with a policy or certificate of insurance. Please read your insurance documents carefully.