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Life Insurance Claims Guide

Our promise

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.

Submitting a claim

Complete the online claim form through usablelife.com or AccessAbleSM or complete the forms located in the Document Center and submit to USAble Life in one of the following ways:

Documents needed to submit a claim

  • Life claim form
  • Death certificate copy for amounts up to $50,000
  • Original certificate with seal for amounts over $50,000

See the claims submission checklist on the claim form to make sure the claim is complete.

Claim decisions

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.

Factors that increase claims processing time

  • Medical record(s) request(s)
  • Premium status
  • Clarification of eligibility
  • No beneficiary listed
  • Minor beneficiary
  • Manner/cause of death is pending
  • Accident/toxicology report(s) pending


Appeals must be submitted within 180 days of the claim decision.

Although not required, claimants may use the appeal form located in the Claims Download.

Appeals and inquiries about appeals 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.

Claim payments

Benefits will be paid to the person(s) named by the employee. If included, Dependent Life and Accidental Dismemberment benefits will be paid to the employee. The employee may name or change a beneficiary by giving USAble Life written notice. If the employee did not name a beneficiary, or if no named beneficiary is living at the employee’s death, USAble Life may pay, at its discretion, any amount due to an eligible survivor(s) or estate according to the policy.

*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.