Welcome Lawrence County Schools

Customer Care

Phone: (800) 370-5856
E-mail: custserv@usablelife.com


Download Forms
Phone: (800) 370-5856
Fax: (501) 235-8417

Wellness Claims

Wellness Claim Form
File Online
Phone: (800) 370-5856
Fax: (501) 235-8400

Educators LTD Claims

LTD Claim Form
300 Southborough Drive, Suite 200
South Portland, ME 04106
Phone: (877) 254-0085
Fax: (207) 766-3448

Other Information

FAQCommon Questions

Employee Benefits Enrollment is April 1 - April 12, 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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Critical Illness

Critical Illness coverage provides a lump-sum payment upon the first diagnosis of a covered critical illness. Covered critical illnesses 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.

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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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Accident insurance provides supplemental coverage for costs associated with covered accidental injury and death and allows you the option of tailoring coverage to fit your personal needs. You may also add your choice of optional disability riders: Accident Disability Rider (off-the-job only), 24-Hour Accident Disability Rider, and a Sickness Disability Rider. The policy is guaranteed renewable and can be paid by payroll deduction. All benefits are limited per covered accident (or covered sickness on the Sickness Disability Rider) and are paid directly to you.

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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.

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.