Delivering on our promise means a lot to us at USAble Life. Whether it’s an accident, an illness, or another life-changing event, we value our commitment to process and pay claims according to our insurance policies with the greatest care and integrity. You can feel secure in knowing that when you buy insurance from USAble Life, that’s exactly what you will get. It’s our assurance — our pledge — that we will be there for you.
Complete the claim form located in the claims download and submit to USAble Life in one of the following ways:
Special instructions for wellness claims: Complete the wellness claim form located in the claims download, CL-Wellness (04-15), and follow the submission instructions above.
Claim forms for each product, in addition to the documents listed below, are required.
A decision to pay, pend,* or deny a claim is reached on 95% of all claim submissions within five business days of receipt of claim.
Appeals must be submitted in writing within 180 days of the claim decision.
Although not required, claimants may use the appeal form located in the claims download.
Appeal submissions can be sent in writing via mail, fax, or email, as noted below:
The appeal will include a new, comprehensive review of all documents and a determination by an individual who did not make the first claim decision.
Appeal decisions are made within 45-60 days of the appeal.
Inquiries regarding appeal status must be sent in writing to firstname.lastname@example.org.
*Pended claim: If the examiner needs information from an outside source (e.g., medical provider, employer), the information will be requested, and the claim will be put in a pended status for up to 45 days until the information is received. The response time for medical record(s) requests varies and may require an extension of the pended status.