Supplemental, Life, and Disability

As of January 2022, LifeMap was acquired by Life & Specialty Ventures LLC (LSV), the parent company of USAble Life. USAble Life is a leading provider of voluntary and employer-sponsored supplemental, life, and disability coverage and brings new and innovative products, excellent customer service, and improved technology to the market.

As such, LifeMap is moving many operations and functions to USAble Life. As part of this process, LifeMap will transition supplemental (accident and critical illness), life, and disability policies to USAble Life policies.

Replacement of Coverage  

We are providing the following in your transition packet:

• USAble Life Benefit Summary
• Sold Confirmation Sheet
• Contract Differences Sheet
• Prefilled Master Application
• Census Template*

To ensure your group experiences a smooth transition for your supplemental, life, and disability coverages to USAble Life, you will need to submit the following completed forms by attaching and replying to the original email:

• Signed Master Application(s) — must also be signed by an agent appointed by USAble Life
• Signed W-2 form/FICA form — if your group has short term disability coverage
• Complete Census* — (if not recently provided and/or is incomplete)
  • Social Security number must be included
  • Salary information must be included for salary-based benefits 

A Census is not required at this time if your group is self-administered.

Your group will receive a Notice of Nonrenewal of LifeMap coverage explaining that their LifeMap policies will be terminated. In accordance with the terms of the policies, LifeMap will honor all valid claims that arise prior to the termination date, provided the applicable premium is received.

Rates for Supplemental, Life, and Disability Products

We’re pleased to announce that your group is receiving a two-year rate hold with this transition. The current in-force LifeMap rates will be held for two additional years. A renewal will not be provided this year.

Voluntary Supplemental, Life, and Disability Open Enrollment

If your group has voluntary products, employees will be given a true open enrollment on all voluntary products. Please note the following:

• Everyone in your group is eligible to enroll in the benefit up to Guaranteed Issue (GI) — including dependents

  • If they are not enrolled today, they may enroll without Evidence of Insurability (EOI)

  • If they are enrolled, they may increase up to GI without EOI

  • If an employee wants to enroll dependents this year, they may do so up to GI without EOI

• ​​​​​If the employee is over age 70, they will be subject to EOI for any new election or increase in coverage

• If a member is already enrolled for over GI, they will be grandfathered onto the USAble Life plan at that benefit without having to reapply