The challenge of providing a complete employee benefits package has never been greater. By delivering Comprehensive Benefits Solutions to you and your employees, USAble Life is the ideal partner for these changing and uncertain times.

Your partnership with USAble Life allows you to focus on what you do best – growing your business and providing your customers with the products and services they need. USAble Life will take care of the rest. 

This partnership will protect your employees by offering:

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Protection to supplement medical coverage
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Flexibility to craft benefit plans that meet their individual needs
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Cash payments in the case of accident or illness
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Security that their daily living expenses are covered

It all begins with the key elements of a benefits solution.

A lot goes into ensuring a benefits program works for all involved. We work to develop a wide platform of products and related services to enable you to customize and build a solution that will work in your organization and offer your employees the benefits they want and need. No two employers are alike and neither are the benefits they offer.


Taking a comprehensive approach

It all begins with a comprehensive approach and solution to making your benefits stronger—better able to meet the demands of today’s environment—while ensuring your employees value the resulting program and experience provided.


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Broad portfolio of critically-important products that make a meaningful difference in lives of employees.
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State-of-the-art enrollment capabilities, service and claims-paying abilities.
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Functional expertise focused on making your benefits program a success.

Applying data-driven knowledge

You’ll want to capture relevant data and help to improve the health and well-being of your employees while reducing medical expenses. Many adverse conditions, such as coronary artery disease, are significantly and positively impacted by the medical and dental care one receives.


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Works closely with our Blue Cross Blue Shield partners to deliver game-changing capabilities.
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Integrates health, disability, and dental data to improve overall employee health and reduce medical expenses.
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Brings a data-driven approach called Total Health Solution and by deploying it, employees realize improvements in their health and employers realize lower costs and increased productivity.

Dedicated account management and outstanding support

Providing a dedicated account management team is essential to orchestrating the complexities of setting up and managing a benefits program.

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Our team works to make your life easier and your benefits package the best it can be. We have the requisite resources of a large underwriting company, yet retain a “can-do” entrepreneurial approach to our work.
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We provide a central point of contact to launch and manage ongoing benefit program activities.

Effectively communicating the value of your benefits

As an employer, you are making a real investment in your people, yet research often shows that most employees don’t understand or fully appreciate the value of their benefits. This is where we can help with a comprehensive approach to effective communication. We can help you promote and highlight the value of your benefits solution to your employees—and this translates to big benefits for you.


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An annual catalog of communication styles and tactics.
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Effective communication that helps attract and retain top talent.
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Building awareness and conveying the value of benefits.
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Helping employees gain confidence in their benefits.

Service-oriented enrollment choices

Today’s enrollment options include service and self-service options and use of the web, phone and on-site enrollment specialists. It’s important to select and offer the method that works best for your employees.


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Enrolling your employees with ease and convenience, while providing consultative support in their decision process.
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Effective communication that helps attract and retain top talent.Best-in-class Enrollment Center, offering robust capabilities including: customized hours of operation, English and Spanish language support, branded experience that operates as an extension of your team, certified and well-trained representatives, concierge appointment setting and more.
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Multi-channel enrollment options including: on-site, on-line and by phone.

Efficient, timely and accurate online administrative capabilities

No matter the size of your organization, keeping track of your employee’s benefits is an important and often complex task.

That’s where our Online Services comes to assist your efforts. It offers your organization incredible functionality in a simple and easy-to-use online service center. You will gain a powerful, time-saving capability that we’ve developed specifically for managing your employee’s group and voluntary benefits.


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Ability to view, print and pay your bill.
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Your changes in real-time—no waiting for overnight batch processing.
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Ease in updating your employee information—add, terminate employees and change benefit amounts.
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View of group benefits, participation, and status of claims.
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Easy-to-update employee salaries, benefit classes and more.