This benefit is added to your membership after you have been a member for 12 continuous months.
This term life insurance can provide assistance to your family members during a difficult time.
• Pays the beneficiary the benefit amount listed for the member’s loss of life.
• The amounts listed are doubled if the loss of life is due to an accident.*

ValULife 10 and ValULife 25 is available to individuals Ages 18-64.This benefit continues with certain reductions and ends at Age 84. ValULife Silver is available to individuals from Ages 65-69.

Life and Accidental Death & Dismemberment (AD&D) coverages are provided under a group insurance policy issued to USA+ by The Guardian Life Insurance Company of America. Life and AD&D coverages under this plan terminates when you cease paying your USA+ membership dues, or upon termination of the group insurance policy.
Like most insurance policies, Guardian group insurance policies contain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please refer to the Certificate of Insurance for complete details including terms and conditions, exclusions and limitations.
The insurance benefit for ValULife is reduced to the following percentages of the benefit amount shown above:
50% at age 70
75% at age 75
90% at age 80
*Accidental coverage is not available for ValULife Silver.
Guardian Group Term Life Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY. Policy limitations and exclusions apply. Plan documents are the final arbiter of coverage for United Service Association for Health Care, group #485365.
 

You receive the following vision benefit: One eye exam once per year per family member from participating providers or $47 towards an exam for non participating providers. There are 37,000 VSP providers and 5,000 retail locations nationwide. Find a VSP provider near you at vsp.com.

*These insurance benefits are issued on Form Series 9000 Rev.4-13, are underwritten by Ameritas Life Insurance Corp., a NE domiciled life insurance company with main offices located at 5900 O Street, Lincoln, NE 68521. Licensed in all states except NY. This product, and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply, for cost and complete details of coverage, please contact us or your agent. These insurance benefits are not available in AK, KS, MT, NH, NY, RI, SD, UT and WA.

*Ameritas Life Insurance Corp. (“Ameritas”) provides the Dental and Vision coverage and access to the AXA program. Ameritas does not provide nor is it affiliated with any of the other programs provided as a part of the membership in USA+.

The association membership fee for dental (and vision when applicable) you will be charged includes the following insurance rates, which are paid to Ameritas: ValULife 10/ $3.10 ValULife Silver/ $3.10 ValULife 25/ $3.10

EXCLUSIONS - VISION

This plan does not cover:
· Services and/or materials not specifically included in this Schedule as covered Plan Benefits,
· Plano lenses (lenses with refractive correction of less than plus or minus .50 diopter) except as specifically allowed in the frames benefit section below,
· Services or materials that are cosmetic, including Plano contact lenses to change eye color and artistically painted Contact Lenses,
· Orthoptics or vision training and any associated supplemental testing,
· Medical or surgical treatment of the eyes,
· Local, state and/or federal taxes, except where law requires us to pay

For more information, call USA+ Member Services at 1-800-872-1187 or visit our website at www.usahc.com for online benefit information.
Find A Provider (How to Use Your Benefit

Easy as 1…2…3…

By using a VSP provider, there is no paper work or claim to file. The member simply makes an appointment with a VSP doctor, states that they have VSP coverage, and visits the doctor. VSP handles the rest! Your Ameritas VSP identification number can be found on your ID card.

Vision Service Plan brings tremendous value to the United Service Association For Health Care Benefits! For more information, call the VSP Member Services number at 1-800-877-7195 or visit the USA+ website www.usahc.com and select the “Members Only” tab and when prompted, enter your user ID and password (login instructions listed on webpage) for online benefit information.

 

You are only a phone call away from immediate referral to your choice of over 20,000 attorneys, and 6,900 law firms nationwide.  You are entitled to:

• No initial consultation fee.
• One 30-minute in-office visit per month.
• Preparation of a simple Will or review of an existing Last Will and Testament at no charge.  (one per membership)

Dignity Memorial is a nationwide network of over 1,800 funeral, cremation, and cemetery service providers who deliver exceptional standards of care at affordable prices.

• 10% savings on funeral or cremation services¹
• Funeral Protection Certificate for children and grandchildren worth up to $2,500²
• Family Planning Guide
• Access to an extensive Grief Management Library
• Funeral and cremation preplanning services
• Substantial savings on bereavement airfares
• Extended family coverage
• A 10% savings on cemetery interment rights, services and merchandise through Dignity Memorial plans¹

Not available to Maryland residents. This offer cannot be used in conjuction with any other affinity group offers, discounts, saving certificates or promotional programs. This offer is subject to change and may not be available at certain locations.

 

CLC ID Protect Plus offers a comprehensive identity protection program with several layers of defense. ID Monitoring is the first layer; however, monitoring will never capture all fraudulent transactions. CLC ID protect backs up monitoring with additional layers of ID Protection and ID Recovery. We add up to $10,000 of insurance coverage to protect against financial losses, a US based team of professional Fraud Resolution Specialists™ to clear your records, tax fraud specialists to help clear issues with the IRS, financial specialists to help resolve financial hardships that can result from identity theft, and finally, we provide discounted legal services should the issue require the intervention of an attorney.
ID Monitoring*
CLC ID Protect Plus includes continuous 24/7 Social Security Number and Personal Information Monitoring with text and email alerts that notify you of possible misuse of your SSN and personal information and suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
*CLC ID Protect Plus does not monitor all transactions at all businesses. No service can stop all identity theft events.
ID Protection
CLC ID Protect Plus uses email and text alerts to notify you of suspicious activity involving your SSN and personal information. If your identity is stolen, identity theft insurance† coverage is available for fraud-related losses and expenses, such as lost wages or legal expenses.
† Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
ID Theft Recovery
CLC ID Protect Plus gives you unlimited access to a US based team of Fraud Resolution Specialists™ who work relentlessly on your behalf to restore your stolen identity and repair your damaged credit reputation should you ever fall victim to identity theft.
FRAUD RESOLUTION TEAM
You have unlimited access to our team of Fraud Resolution Specialists™. Each FRS™ is an experienced fraud representative and has been trained under the Fair Credit Reporting Act (FCRA). Each FRS is educated on and familiar with prohibited “collection” company activities under the Fair Debt Credit Protection Act (FDCPA).
Additional certifications include Certified Identity Theft Risk Management Specialist® and Certified Credit Report Reviewer.
EMERGENCY RESPONSE KIT
Receive a step-by-step guide when you fall victim to theft or a breach. This kit is available at any time through our website.

In the event that an eligible member suffers from a “certified injury” that requires emergency medical transportation by helicopter in accordance with EMS protocols, the program will reimburse the participant up to a maximum of $7,000.00 per occurrence. Reimbursement includes expenses incurred from the cost of “Medically Necessary” or “Life Threatening” helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for “Medically Necessary” transports from one medical facility to another medical facility are subject to review by Lifeguard’s Medical Officer.

Provisions include:
• One benefit will be paid per occurrence.
• Benefit in excess of all other valid collectable insurance.
• Coverage is worldwide.
• Transportation by helicopter only.

This benefit is provided to USA+ members by Lifeguard Emergency Travel,
Inc. Certain terms and conditions apply and benefits are subject to the
Exclusions and Limitations. See your membership Handbook for the details.

Not available to Iowa residents.

LIMITATIONS AND EXCLUSIONS
The following conditions represent coverage exclusions:
1. Suicide or attempted suicide;
2. Intentionally self-inflicted injuries;
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4. Participation in any military maneuver or training exercise;
5. Mental or emotional disorders, unless hospitalized;
6. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
7. Commission or the attempt to commit a criminal act;
8. Participation as a professional in athletics;
9. Pregnancy and childbirth (except for complications of pregnancy);
10. Bodily injury or sickness which can be treated locally

The following services are available if the Participant suffers an injury or a sudden and unexpected illness, when you are 100 or more miles away from home.

• Air Medical Repatriation.  If a member is admitted to (or being discharged from) a hospital anywhere in the world that is more than 150 miles from the Member's residence in the United States or Canada and it is determined by the Member's physician and AirMed's medical director that the Member's medical condition is stable enough to allow air transport but that medical escort is required, AirMed will provide flight, ground transportation, & patient care, a full bedside to bedside experience for any covered member.
• 24/7 Worldwide Medical Services Hotline.  This program connects Members 24 hours a day, seven days a week, to the worldwide resources of AirMed.  Members have access to AirMed's Customer Care Center (CCC) who will provide information about how and where to obtain medical care while traveling, including medical monitoring and coordination with local health care professionals.
• Global Security & Risk Assistance.  Members have 24/7 access to the AirMed Communications Center and the resources of our worldwide security firms for up-to-the-minute global threat assessments, foreign travel advisories, pre-trip threat evaluations, and political and security evacuation arrangements to a safe haven location.
• Emergency Call Referrals.