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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 FormFile Online
Phone: (800) 370-5856
Fax: (501) 235-8400
claims@usablelife.com
Educators LTD Claims
LTD Claim Form
300 Southborough Drive, Suite 200
South Portland, ME 04106
Phone: (877) 254-0085
Fax: (207) 766-3448
claims@disabilityrms.com
Other Information
Common QuestionsEmployee Benefits Enrollment is August 17 - August 21, 2024 Call (855) 756-2525
DUO Accident
Accidents happen, and they can be disruptive to daily life — both physically and financially. Even with major medical coverage, additional costs are incurred in the event of an accident. USAble Life’s Accident Plan complements your health plan, paying cash benefits directly to you to use for medical or nonmedical costs.
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DUO Critical Illness
A critical illness can be disruptive to daily life, both physically and financially. Whether you, your spouse, or your covered dependents suffer a covered illness such as a stroke, heart attack, or are diagnosed with cancer, USAble Life’s Critical Illness Plan ensures you and your family are prepared for the unexpected
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DUO Hospital Indemnity
A prolonged hospital stay can be financially overwhelming if you’re unprepared. Even with major medical coverage, additional costs are incurred during a hospital stay. Whether you, your spouse, or your covered dependents require a lengthy hospital stay, USAble Life’s Hospital Indemnity coverage ensures you and your family are prepared.
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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.