Welcome Lenoir City Schools
Customer Care
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 October 2 - October 6, 2023
Term Life
Term Life insurance is the least expensive form of life insurance coverage you can purchase. It provides life insurance for a stated period or term and is guaranteed renewable for subsequent term periods.
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Voluntary Group Term Life
If you need additional term life protection for you and your eligible family members, think about USAble Life’s affordable Voluntary Group Term Life coverage. You select the benefit amounts to suit your specific situation, and premium payments are made through payroll deduction.
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Voluntary Accidental Death & Dismemberment
Voluntary Accidental Death & Dismemberment coverage provides protection in the event of an unexpected loss of accidental death or dismemberment. Protection is issued on a 24-hour basis for you and your eligible family members, and covers you as the result of a covered accident anywhere in the world.
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Educators Long Term Disability
Long Term Disability is designed to provide income protection if you become disabled as the result of a covered sickness or injury.
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Accident
Accident insurance provides supplemental coverage for costs associated with covered accidental injury and death and allows you the option of tailoring coverage to fit your personal needs. You may also add your choice of optional disability riders: Accident Disability Rider (off-the-job only), 24-Hour Accident Disability Rider, and a Sickness Disability Rider. The policy is guaranteed renewable and can be paid by payroll deduction. All benefits are limited per covered accident (or covered sickness on the Sickness Disability Rider) and are paid directly to you.
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Cancer
Cancer insurance provides supplemental coverage when certain losses occur as the result of cancer or a covered specified disease. This coverage is available to you and your eligible family members with a choice of three plans. Benefits are paid directly to you regardless of other insurance coverage.
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Critical Illness
Critical Illness coverage provides a lump-sum payment upon the first diagnosis of a covered critical illness. Covered critical illnesses include carcinoma-in-situ, heart attack, stroke, end-stage renal disease, major organ transplant surgery, quadriplegia, coronary artery bypass surgery, balloon angioplasty, stent or laser relief obstruction procedures, or cancer (may be purchased with or without). Benefits are paid directly to you over and above other insurance coverage.
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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.