Cost effective insurance plans with personalized service.

SMALL GROUP
INSURANCE PLANS

2-50 Lives

LIFE & DISABILITY

USAble Life's Small Group Insurance Plans for Life & Disability offer Rutherford, NJ employers with 2 to 50 employees the opportunity to provide your employees a quality benefits package and maintain your bottom line.
Small group insurance plans are flexible and affordable, making it easier than ever to create a benefits plan that's as unique as you are. Whether you'd like to offer Group Term Life only, or create a comprehensive bundle that includes a Long Term Disability plan, we have you covered.

MINIMUM PARTICIPATION

If the employer's contribution is 100% then there must be 100% employee participation. The minimum employer contribution is 25%.
If the employer's contribution is not 100% then:
• 2-3 Eligible Employees and 100% participation
• 4+ Eligible Employees and 75% participation

CLASS DEFINITION

Small group insurance plans are limited to three classes with a minimum of two employees per class.

GUARANTEED ISSUE AMOUNT

All coverage is issued on a guaranteed issue basis. Late applications will be subject to evidence of insurability. Pre-Existing Conditions Exclusion applies to Disability.

LIFE AND AD&D HIGHLIGHTS

• 4 Employee Coverage Options
• $5,000 Spouse Coverage
• $2,000 Child Coverage
Standard Life Provisions
• Waiver of Premium
• Conversion Privilege
• Accelerated Death Benefit
Standard AD&D Riders
• Seat Belt/Air Bag
• Coma
• Repatriation
• Exposure & Disappearance

DISABILITY HIGHLIGHTS

• 5 benefit options available
• Benefit plans that pay up to 60% of an employee's pre-disability earnings and max out at the benefit amount you choose.
• 180 Day Elimination Period
• 24-Month Own Occupation Definition of Disability
• 3/12 Pre-Existing Conditions Exclusion
• Occupational & Non-Occupational Types of Disability
• 24 Months of Benefits For Mental Health & Substance Abuse2

ENROLLMENT REQUIREMENTS

• Group Application
• Employee Census
• Prior Carrier LTD Policy/Certificate for Coverage Takeover Cases

Choose the plan that works best for your employees.

SMALL GROUP INSURANCE PLANS

2-50 Lives

LIFE & DISABILITY

USAble Life's Small Group Insurance Plans for Life & Disability offer employers with 2 to 50 employees the opportunity to provide your employees a quality benefits package and maintain your bottom line.
Small group insurance plans are flexible and affordable, making it easier than ever to create a benefits plan that's as unique as you are. Whether you'd like to offer Group Term Life only, or create a comprehensive bundle that includes a Long Term Disability plan, we have you covered.

MINIMUM PARTICIPATION

If the employer's contribution is 100% then there must be 100% employee participation. The minimum employer contribution is 25%.
If the employer's contribution is not 100% then:
• 2-3 Eligible Employees and 100% participation
• 4+ Eligible Employees and 75% participation

CLASS DEFINITION

Small group insurance plans are limited to three classes with a minimum of two employees per class.

GUARANTEED ISSUE AMOUNT

All coverage is issued on a guaranteed issue basis. Late applications will be subject to evidence of insurability. Pre-Existing Conditions Exclusion applies to Disability.

LIFE AND AD&D HIGHLIGHTS

• 4 Employee Coverage Options
• $5,000 Spouse Coverage
• $2,000 Child Coverage
Standard Life Provisions
• Waiver of Premium
• Conversion Privilege
• Accelerated Death Benefit
Standard AD&D Riders
• Seat Belt/Air Bag
• Coma
• Repatriation
• Exposure & Disappearance

DISABILITY HIGHLIGHTS

• 5 benefit options available
• Benefit plans that pay up to 60% of an employee's pre-disability earnings and max out at the benefit amount you choose.
• 180 Day Elimination Period
• 24-Month Own Occupation Definition of Disability
• 3/12 Pre-Existing Conditions Exclusion
• Occupational & Non-Occupational Types of Disability
• 24 Months of Benefits For Mental Health & Substance Abuse2

ENROLLMENT REQUIREMENTS

• Group Application
• Employee Census
• Prior Carrier LTD Policy/Certificate for Coverage Takeover Cases

No deposit check required.

CHOOSE THE PLAN THAT WORKS BEST FOR YOUR EMPLOYEES

FOR MORE INFORMATION, CONTACT JAMES D. MILLER INSURANCE SERVICES LLC. IN RUTHERFORD, NJ

FOR MORE INFORMATION, CONTACT JAMES D. MILLER INSURANCE SERVICES LLC. IN RUTHERFORD, NJ