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As an employee (individual) can I look at my claim status online?
No, we do not offer this feature at this time. If you would like your claim status, please call 1-800-370-5856 or email us at custserv@usablelife.com .
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How do I file a wellness claim?
Submit a bill that outlines the wellness procedure. Write "Wellness Claim" across the top of the bill along with your policy number and/or social security number, your address and phone number and the name of the primary policy holder if the wellness claim is for a dependent.
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Does the wellness claim need to be accompanied by an itemized bill?
No. You may also submit an invoice or receipt as long as it outlines the exam that was performed.
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May I fax my wellness claim?
Wellness claims may be faxed to 501-235-8400.
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What is the average processing time for claims (except wellness claims)?
90% of all claims are paid within 5 business days of receipt of critical data. However, we try to process every claim as quickly as possible. Should we find that more information is needed to complete the claim, this will increase the processing time.
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What causes delays in the claims process?
Should the claims analyst need more information from the employee or employer, it may delay the claim. Also, should we have to request medical records, your claims processing may be delayed for up to 6 weeks.
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What is the average processing time for wellness claims?
48 hours
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I'm pregnant. When should I submit my disability claim?
If you have scheduled a Cesarean Section, you may turn in the claim form early. However, if you are expecting a normal delivery, the claim form should not be submitted until after delivery to ensure the information completed on the form is absolutely correct.
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How often do I need to complete an update form on my claim?
Update forms are usually mailed to the claimant 4-6 weeks after the beginning disability date.
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Who should I contact to check the status of my claim?
You may contact Customer Service Monday through Friday from 8:00am - 4:30pm Central Standard Time at 1-800-370-5856.
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How can I check the status of my claim?
You may contact Customer Service Monday through Friday from 8:00am - 4:30pm Central Standard Time at 1-800-370-5856 and one of our Personal Account Representatives can assist you with claim status information.
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Do I have to wait until I have all of the bills before I can file my accident or cancer claim form?
No, you can file the claim and send the bills as they are received. However, your initial payment will not be forwarded until we receive at least one itemized bill.
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All appeals are handled by our Legal department. If you have already received your denial letter, there are instructions on how to file an appeal at the bottom of the letter. We need a written request for appeal to be received within 90 days of the decision. If you want to appeal the amount of a decision, we would also need a written request for appeal.
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How do I enroll in your Automatic Bankdraft program?
Please go to our Forms selection utility; select your state; form type and "Find Forms". The "Bank Draft Authorization" form will need to be completed and forwarded to USAble Life along with a voided check and two months of premium.
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What is a Waiver of Premium?
It is an application to waive your premiums during total disability.
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Will I receive a card like I do with my health insurance?
Benefit cards are not provided with the coverage offered by USAble Life. We will, however, issue a policy (and/or certificate) as your proof of coverage.
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How can I find out information about my coverage?
You may contact Customer Service Monday through Friday from 8:00am - 5:00pm Central Standard Time at 1-800-370-5856 and they can assist you with coverage information.
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How do I continue (port) my VGTL coverage after I leave my employer?
Please click on the "Forms" selection utility; select your state; enter "application" under keywords and click "Find Forms". The "Application for Continuation of VGTL" form will allow you to apply for continued (ported) coverage. You may also need to check with your employer for the exact amount of coverage available.
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How do I continue my individual policy coverage (Cancer, Accident, etc.) should I leave my place of employment?
For individual products (Cancer, Accident, etc.), you may continue your coverage. Once your employer notifies USAble Life that they will no longer be receiving your premium through payroll deduction, a letter will be mailed with instructions on how to continue the coverage. You will have 30 days from the date on the letter to submit a premium payment. Please contact Customer Service to ensure we have your correct address on file.
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How do I find my policy number?
Your policy number is located on your policy. Should you need further assistance, please contact Customer Service at 1-800-370-5856.
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My dependent child is an adult now. Does he/she still have coverage?
If the dependent is a student, please refer to your policy as to what age he/she is no longer eligible under your policy. If the dependent is no longer a student, the coverage may be converted to an individual policy. Please contact Customer Service at 1-800-370-5856 for an application and change form. (Some forms may be available through our website. Please check the "Forms" selection utility.
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How do I change my name or address on my policy?
Please click the "Forms" selection utility; select your state and click "Find Forms". The "Request for Change and Duplicate Policy Request" form will allow you to change your name and/or address.
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I just got married. Can I add my spouse to my policy before open enrollment?
Yes. However, you will need to complete a "Request for Change and Duplicate Policy Request" form. Please select the "Forms" selection utility; enter your state and click "Find Forms". Once you complete the form, return it with a copy of your marriage license to USAble Life. (may not be available for all products, please contact Customer Service at 1-800-370-5856 for further details.)
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How do I find out what beneficiaries I have designated?
USAble Life is not able to release this information over the phone. Please click the "Forms" selection utility; select your state and click "Find Forms". Complete the "Beneficiary Change" form and forward to USAble Life.
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How do I obtain a duplicate copy of my policy?
Please click the "Forms" selection utility; select your state and click "Find Forms". Complete the "Request for Change and Duplicate Policy Request" form and forward to USAble Life.
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How do I cancel my policy?
If your policy is payroll deducted and/or on a Cafeteria Plan, you will need to contact your employer. If we bill you directly, please submit your request, in writing, to the USAble Life Customer Service department at PO Box 1650, Little Rock, AR 72203.