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Long Term Disability Insurance for Employers

USAble Life is one of the most experienced disability insurance providers in the country. As the provider of choice for some of the most trusted medical carriers, we have the expertise and resources to protect your employees during a long-term illness or injury. Our flexible plans, affordable rates, and prompt claim payments are backed by superior service and personalized employee support.

Flexible and Affordable Options

Variable contribution and coverage levels, including:

  • Employer paid
  • Employee paid
  • Buy up
  • Total, partial, and residual plans

Optional services:

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

Enhanced Benefits

  • Voluntary rehabilitation*
  • Return-to-work incentives
  • Advanced survivor
  • Accidental death
  • Extended care
  • Infectious, contagious, and progressive disease
  • Revenue protection and supplemental benefit

Complementary services:

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

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

Let USAble Life provide competitive benefits and cover your employees.


*Available for employers with 50 or more employees and includes workplace modifications, job redesign, resume preparation, and job search assistance.

This is a brief description of USAble Life’s Long Term Disability 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.