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Long Term Disability Insurance

Expert disability solutions that protect employees and businesses

At USAble Life, we can help your clients minimize the impact of long-term employee absences by providing enhanced benefits and return to work programs. For more than 40 years, we have been a trusted provider among leading ancillary insurance carriers, serving some of the largest medical insurance providers.

Flexible and Affordable Options

Variable contribution and coverage levels, including:

  • Employer paid
  • Employee paid
  • Buy up

Optional services:

  • Family Medical Leave Act (FMLA) administration
  • W-2 and FICA tax administration
  • Enhanced EAP benefits

Enhanced Benefits

  • Return to work incentive
  • Managed rehabilitation plans1
  • Total, partial, and residual options
  • Physician and attorney disability

Complementary services:

  • Social security claims and appeals support
  • Employee Assistance Program (EAP)2

Simple Administration

Supported by AccessAble, used by 10,000 brokers and group administrators

Features include:

  • Broker access to support client enrollments
  • Optional employee self-enrollment
  • AutoPay and online bill payment
  • Instant quoting of voluntary benefits
  • Online Evidence of Insurability
  • Real-time employee updates


1 Rehabilitation benefits are voluntary on all plans.
2 USAble Life has contracted with New Directions® Behavioral Health to offer EAP services.

This is a brief description of USAble Life’s Long Term Disability Insurance plan coverage. This is not an insurance policy. Limitations and exclusions may apply. Some benefits and options are not available in all states. For cost and complete details of the coverage, call or write your insurance agent or USAble Life.