USA Health Life and Disability Insurance Plans

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▼   Paid Group Term Life Insurance
Group term life insurance is provided at no cost to benefits-eligible employees through Sun Life. The amount of life insurance is determined by the employee's base pay.

In addition your spouseSpouse is a person to whom you are legally married. Spouse does not include a person who is a full-time member of the armed forces of any country or a person from whom you are divorced or legally separated. and eligible dependents Eligible dependents are your unmarried dependent children from live birth to under age 26. Eligible Dependents include, your step-child; a foster child placed with you by a licensed agency; or your adopted child, including any child placed with you for adoption. If an unmarried child is age 26 or older and is incapable of self-sustaining employment because of an intellectual disability, developmental disability or physical handicap; and chiefly dependent on you for support; that child will continue to be a Dependent Child under the Policy for as long as these conditions exist. Exclusions: Dependent Child does not include, any person who is insured as an Employee; any person residing outside the United States or Canada, a dependent child who resides with you while you are on a temporary work assignment outside the United States; or is a full-time Student attending school outside of the United States. are provided with $5,000 of term life insurance at no cost to the employee.
▼   Paid Accidental Death & Dismemberment Insurance
The Accidental Death & Dismemberment (AD&D) policy is provided at no cost to benefits-eligible employees through Sun Life in the amount equal to the Basic Term Life Insurance if death was caused by accident. AD&D also pays a benefit if a serious injury results in dismemberment.
▼   Additional Group Life Insurance
Additional term life insurance is available to the employee at group rates.  You choose the amount that best meets your needs and your budget based on your earnings.
Employees applying for additional coverage must be medically underwritten. To apply please follow the Evidence of Insurability (EOI) application instructions. Policy Number 947758.
Additional coverage for spouse and dependent children is available and is also subject to underwriting. Additional life insurance available for spouse is $25,000 for $8.32 per month. Additional life insurance available for dependent child(ren) is $10,000 per child for $3.00 per month.
Why do you need life Insurance? Voluntary Life Insurance
▼   Employer Paid Short-Term Disability (Applicable to HCM Staff/Clinical Faculty and HCA Staff)

Short-term disability replaces part of your income if you can’t work for a short time due to a covered disability. 

USA Health provides at no cost to eligible employees (regular employees appointed to a FTE of .75 or higher, working 30 hours or more per week) short term disability insurance through Sun Life.   After a 7-day waiting period, benefits are paid at 60% of the employee’s total weekly earnings, up to $1,000 per week for a covered disability.   Benefits are payable up to 12 weeks, as long as the employee remains unable to work due to a covered disability. 

Additional benefits for a medical leave lasting 12 weeks or more, maybe provided through Long Term Disability (LTD). For additional information please see the LTD benefit description below (next drop down bar).

How to file your Short Term Disability Claim? Call Sun Life's toll-free number at 877-932-7287,
Monday through Friday, from 8:00 a.m. to 8:00 p.m. (Eastern Time).   A client service specialist will ask you a series of questions relating to your occupation and disabling illness or injury. You will also be asked how you would like to receive the Third Party Authorization form. Sun Life will also contact Human Resources to verify your employment information.

You may also contact USA Health Human Resources directly  at 251-415-1604 or via email at if you need a paper form or further assistance to file a claim.

If you are a HCA Physician and wish to file a STD claim, please call USA Health Human Resources directly  at 251-415-1604 or via email at 


Employer-Paid STD (Additional Information)

STD Claim Submission (Additional Information)

STD and your Maternity Leave

▼   Paid Long Term Disability Insurance (LTD)

LTD insurance is provided at no cost to benefits-eligible employees through Sun Life. After a 90-day period of disability, 60% of the employee's base monthly salary will be paid for a permanent or temporary disability, up to a maximum benefit of $10,000 a month.

Contact HR for application at (251) 460-6133 or

For USA Health employee please contact the USA Health HR office at (251) 415-1604. 

Why do you need Long-Term Disability? (LTD insurance is provided at no cost to benefits-eligible employees through Sun Life)