1. As an employee (individual) can I access at my claim status online?

At this time we do not offer this feature to individuals. For claim status please contact customer service at custserve@usablelife.com or 1-800-370-5856.

2. Can I pay my bill online?

At this time we do not offer this feature to individuals. You may pay your bill via bank draft, monthly, quarterly, semi-annually or annually. Please contact customer service at custserve@usablelife.com or 1-800-370-5856 for further assistance.

3. Who should I contact to check the status of my claim?

Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com

4. Do I have to wait until I have all of the bills before I can file my accident or cancer claim form?

You may file the claim and send the bills as they are received. Always include your policy number and claim number on each bill submission.

5. What is a Waiver of Premium?

It is an application to waive your premiums during total disability.

6. 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. All benefits are paid directly to the policyholder.

7. How can I find out information about my coverage?

Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com

8. How do I continue (port) my VGTL coverage after I leave my employer?

You will need to complete a form “Application for Continuation of VGTL” and submit to USAble Life. This form can be located on our web-site at www.usablelife.com . Click on the Individual tab, the Forms and Brochures, Select your State under Search for Forms, enter continuation as a keyword and click on FIND FORMS. You may also need to check with your employer for the exact amount of coverage available. You have 31 days from your termination date to apply.

9. How do I continue my individual policy coverage (Cancer, Accident, etc.) should I leave my place of employment?

Once your employer notifies USAble Life that they will no longer be receiving your premium through payroll deduction, a letter will be mailed with instruction on how to continue your 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 of file.

10. How do I file a claim?

All claims maybe emailed to claims@usablelife.com Forms can be located on our web-site at: www.usablelife.com . Choose the Individual tab, select Forms and Brochures, search for your State and enter keyword Forms or Claim. Remember that you will also need an Authorization for Release of Medical Records form attached to your claim.

11. How do I find my policy number?

Your policy number can be located on your actual policy or your invoice/statement. Please contact Customer Service should you need further assistance at: Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com

12. My dependent child is an adult now. Does he/she still have coverage?

Please refer to your policy as to what age he/she is no longer eligible under your policy. If your dependent child is no longer eligible the coverage may be converted to an individual policy. Please contact Customer Service at: Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com for any necessary forms.

13. How do I change my name or address on my policy?

Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com

14. I just got married. Can I add my spouse to my policy before open enrollment?

Yes, however you must apply for your spousal coverage within 30 days from the date of marriage. Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1-800-370-5856 or you can email us at custserve@usablelife.com

15. How do I find out who I have listed as my beneficiaries

Beneficiary information is not released over the phone. Please contact our office for further assistance or you may access our web-site, www.usablelife.com select the individual tab, Forms and Brochures, Search for your State, type in keyword Beneficiary and FIND FORMS. The Beneficiary Change Form can be completed and sent to us for handling.

16. How do I obtain a copy of my policy?

Contact Customer Service Monday thru Friday from 8:00am to 5:00pm CST at 1- 800-370-5856 or you can email us at custserve@usablelife.com

17. How do I cancel my policy?

If you 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: USAble Life, P O Box 1650, Little Rock, AR 72203 or you may email your request to: www.maintenance@usablelife.com

18. How can I obtain reimbursement forms from TASC for Section 125 claims?

You can download all Section 125 Cafeteria Plan forms and file claims at www.tasconline.com or call TASC 1-800-422-4661.

19. What is the average processing time for claims except wellness?

A decision to pay, pend or deny a claim is reached on 95% of all claim submissions within 5 business days of receipt.

20. What is the average processing time for wellness claims?

5 business days from receipt date.

21. 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.

22. I'm pregnant. When should I submit my disability claim?

If you have scheduled a Cesarean Section you may turn in the claim form no earlier than one week prior to the procedure. However, if you are expecting a normal delivery, the claim form should not be submitted until after the delivery to ensure the information completed on the form is accurate.

23. How often do I need to complete an update form on my claim?

Update forms are usually mailed to the claimant 4 to 6 weeks after the beginning disability date. May vary based on individual claim.