COVID-19 and USAble Life Billing and Plan Coverage

At USAble Life, we always strive to make a meaningful difference in the lives of our customers, which also means continuing to maintain a high level of service during difficult times like the COVID-19 pandemic. If you have questions about billing or your plan coverage, please see the frequently asked questions below or visit our contact us page.

Frequently Asked Questions

Billing Questions

Are there alternative ways to get my paper bill?

If your products are available on AccessAble, you may retrieve your invoices. Additionally, you can adjust your membership roster in real time and regenerate the bill. Finally, you can also pay your invoice online. Click here for more information on AccessAble.

For other products, please email, and we will forward an electronic copy of your invoice.

Note: Benefits and claims determination are made based on a customer’s specific contract, subject to the temporarily expanded definitions in this document.

How will COVID-19-related illnesses impact Short Term Disability, Temporary Disability Insurance (TDI in Hawaii), and Hospital Indemnity claim determination?

  • For sickness that prevents someone from working, the employee may be considered totally or partially disabled.
  • For employees who are hospital confined as a result of sickness caused by COVID-19, that confinement is covered under our hospital policies.
  • Applicable waiting periods and elimination periods still apply.

How do quarantines associated with COVID-19 impact claims determinations?

  • If someone is quarantined and unable to work due to their symptoms, then the employee may be considered totally or partially disabled during a period of medically required or directed confinement.
  • If someone is quarantined, but their symptoms would allow them to perform their work duties, then generally, they would not be considered totally or partially disabled and would be considered actively at work.
  • If someone is quarantined, they can be considered actively at work to maintain their benefit eligibility, provided the premiums are paid and this leave is employer approved.
  • Quarantined employees who are capable of and/or required to telework would not be typically considered disabled. In general, an employee would not be considered disabled until the symptoms prevent the employee from teleworking.
  • Symptomatic employees engaged in limited telework may be considered partially or residually disabled under the terms of many of our contracts.

The Centers for Disease Control and Prevention (CDC) has created a list that outlines segments of the population that are at risk for contracting COVID-19. The CDC list continues to be updated, most recently adding pregnant women. If a doctor takes an at-risk individual out of work as a precaution, does this make them disabled?

Being on the CDC at-risk list does not in and of itself qualify for a disability claim. We would review symptoms, established restrictions, and the duties of their occupation to potentially expose the claimant to the virus. Each claim will be reviewed to determine if the claimant meets the policy definition of disability.

General Product Questions

How will USAble Life handle COVID-19-related claims?

Some of our products will cover COVID-19-related claims as determined in the provisions of the contracts, just as we do for all diagnoses and conditions.

Below are descriptions of how product lines generally will treat COVID-19-related claims, provided all other provisions are met.

Short Term Disability and TDI (Hawaii)

A COVID-19 diagnosis or illness as a result of the vaccine would likely be payable if all other requirements are met, including elimination period and disability definitions. Quarantined individuals without a diagnosis and without symptoms would not generally be covered as a disability.

Long Term Disability (LTD)

A COVID-19 diagnosis or illness as a result of the vaccine may be payable under LTD if all other requirements are met, including elimination period and disability definitions. Quarantined individuals without a diagnosis and without symptoms would not generally be covered as a disability. Waiver of premium may apply to life and disability products while on long term disability.

Life Insurance

COVID-19 or illness as a result of the vaccine is covered for our group and voluntary life insurance products. Benefits would be paid according to provisions in the policy.

Accidental Death & Dismemberment

Accidental Death & Dismemberment coverage does not apply with a COVID-19 diagnosis or loss as a result of the vaccine.

Critical Illness

COVID-19 is not considered a covered condition under our Critical Illness products. If someone is diagnosed with a covered illness as a result of the vaccine, this may be covered.


COVID-19 or illness as a result of the vaccine is not a covered diagnosis or treatment.

Hospital Indemnity

Hospital admission and confinement benefits are available for a diagnosis of COVID-19 or illness as a result of the vaccine once all other policy provisions are met.

Are there other benefits that can help policyholders?

Employee Assistance Program (EAP): Many of our disability insurance products have an EAP service included to help employees with services and anxiety. In addition to the regular resources, EAP offers counseling, work/life referrals, legal/financial consultations, etc. EAP also provides COVID-19-specific information for employees that is regularly updated.

Travel Assistance: AXA Travel Assistance provides transport benefits if a member is sick, injured, or passes away while traveling more than 100 miles away from home. If a member contracts COVID-19, AXA will use best efforts to assist with this person’s case as for any other medical situation. AXA will coordinate based on the local country’s requirements for COVID-19 since each county has different restrictions due to the pandemic. If the infected individual can receive appropriate local treatment, then it would not warrant a medical evacuation. If there is a medical necessity to move a patient as they are not receiving appropriate care, AXA will arrange a means of transport. AXA will handle situations on a case-by-case basis since localities and travel companies have enacted various travel and transport restrictions. If a member passes away due to COVID-19, repatriation of remains is covered under the policy, and AXA will be able to assist with the return of the remains. There may be some additional requirements depending on the country to ensure that the remains are free from infection. It may take longer, but AXA certainly will be able to assist.

Does COBRA apply to Life, Disability, Accident, Hospital Indemnity and/or Critical Illness products?

COBRA applies to medical and dental continuance. Many of our Life, Short Term Disability, and supplemental products contain continuation of coverage provisions that allow employees to continue coverage. The amount eligible to be continued is determined by the terms of the policy. The continued coverage is an individual contract; this is billed directly to the employee.

Policy benefits may vary by state. Please view your policies to get the best and accurate information regarding your coverage.

The information contained in this FAQ does not alter or modify the insurance contract. Claims will be administered according to the applicable policy terms and conditions.