ABA Corporate Offices

ABA
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American Benefits Association
ABA Corporate Offices
(631) 366-2794
operations@abbcinc.com
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Accident Injury Benefit Child (ren) Life Benefit Guaranteeed Issue Life Benefit Membership Spouse Life Benefit Vision Benefit
Membership
Basic Membership
Information Join Now
  • Enrollment
    $20.00 one-time for Non-Refundable
    Product
    $49.95 per Month for ABA Membership
  • ·

    Welcome to the American Benefits Association!

     

    ABA is a National Membership Association of individuals, groups and businesses that have access to association based membership buying power. Members and/or their families can enjoy many unique and useful benefits, products and services provided via Association membership at discounted costs. Our national membership based organization has been proudly serving its members since 1999.

     

    ALL Active ABA Members as part of their Basic membership benefits package receive:

     

    • Family Protection Plan

    Member now can access and use this NEW member benefit through ABA's Family Protection Plan™. Members and their eligible family members can take advantage of this exciting package of membership benefits that include; FREE & Discounted Legal Care, Tax Preparation & Advice, Financial Education & Credit Counseling and Identity Theft Solutions. See your membership handbook for complete details regarding these exciting new member services.

    • Discount Dental Care Program**

    Members may save 15% to 50% on services such as cleanings, x-rays, fillings, root canals and crowns. Also save on specialty care such as orthodontics and periodontics where available. This discount program provides access to the Aetna Dental Access™ network.

    • ABA’s Discount Hearing, Vision and Prescription Drug Savings Programs**

    Members save 35% on hearing aids from Newport Audiology Centers. Over 2000 locations nationwide providing FREE initial hearing evaluations. Members also save on prescription eyeglasses, including frames, lenses and specialty items including non-disposable contact lenses at Coast to Coast Retail locations and America’s Eyewear Mail Order services as well as savings on out of pocket expenses at participating Neighborhood Pharmacy and Mail Order Prescription services. See member guidebook for complete details of services.

    • ABA Discount Lab and Imaging Services**

    Save 50% to 75% of usual charges for the following imaging services**; MRI, CT Scans, Mammograms, Ultrasounds, Sonograms, Bone Density Studies, X-Rays at over 2,900 radiology facilities throughout the United States. Members also can save 10% to 80% on typical costs for blood tests.

    • Group TERM Life Insurance which includes:***;
      • $20,000 Basic Group Term Life Coverage, and
      • $20,000 Accidental Death & Dismemberment Coverage

     

    Basic Group Coverage is subject to age reductions:

    • Age 65 reduces by 35% to $13,000
    • Age 70 reduces by 50% to $10,000
    • Age 75 reduces by 75% to $5,000
    • Age 80 reduces to 87.5% to $2,500

     

    Active Members also receive:

     

    • Access to ABA's Lifestyle Savings Program
      • Savings on Restaurants, Flowers & Movie Tickets
      • Special Savings on Car Maintenance
      • Contact Lens, Travel Savings
      • And More!

     

     

    EXCLUSIVE ABA Supplemental Member Benefit Options.* 
    After becoming a member of ABA and activating your Basic Association membership, simply click the “Supplemental Membership Options” TAB for more detailed descriptions, costs and program participation requirements of ABA’s Guaranteed Issue Member Only Benefit Plan Options.

     

    All Memberships begin on the 1st of each month.  Members must enroll prior to the 1st to be eligible for membership. Members who enroll after the 1st will become effective the following month. 

     

    ABA Membership is available to groups and individuals who are actively employed for either wage or profit a minimum of 30 hours per week. New member - applicants are required to provide proof of active employment / wages at time of enrollment.

     

    To activate your ABA membership simply click "JOIN ABA" and start saving today!

     

    For more information about ABA, our services, membership availability or contracted marketing opportunities, please contact the authorized marketing advisor listed above. Interested parties can also contact ABA at (631) 366-2794 or by e-mail by contacting operations@abbcinc.com.  Our office is staffed 9 am – 5 pm Monday – Friday.

     

    ABA’s corporate Bylaws are available upon request.  To obtain a copy, please contact our office.

    *ABA Basic Membership is required to enroll and/or participate in any additional - elective supplemental insurance buy up options.

    **Discount Dental, Hearing, Vision, Prescription, Lab and Imaging Services are NOT Health Insurance policies. These plans provide discounts at certain healthcare providers for medical services. Actual costs and savings may vary by provider, service and geographical location. The plan does not make any payments directly to providers of medical services. Members are obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization.  Available services may vary by provider. Lab and Imaging services NOT available in RI, MA, MD, NJ, or NY. Please see Member benefit fulfillment booklet for complete disclosures, terms, conditions, limitations, and details.

    ***Basic Group Term Life is subject to carrier issued age requirements. Basic Membership coverage available on primary member only. ABA members must be actively at work for wage or profit a minimum of 30 hours per week to participate in Member Only Group Term Life and Supplemental programs. 

     

    Cancellation Policy: Members who cancel for any reason within 30 days after the effective date of membership will receive a full refund of paid membership fees excluding the onetime $20.00 enrollment - processing fee.

     

     

     

  • States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, SD, UT, VT, WA
Accident Injury Benefit
Accident Injury Benefit
Brochure More Info Enroll Now
  • Product
    $26.00 per Month for Member
    $29.00 per Month for Member plus Spouse
    $36.00 per Month for Member plus Child(ren)
    $49.00 per Month for Member plus Family
  • Membership Accident Benefit Option

    ABA Members can expand their Basic Association membership and elect this supplemental benefit.  This benefit includes:

    • The option to purchase Guaranteed Issue Accident Insurance coverage
    • Coverage available for spouse / partner.
    • Includes $10,000 accidental death and dismemberment coverage.

     

    Accidents happen. Don't be caught unprepared!

    Medical insurance has deductibles and co-payments. If you miss work due to accidental injury, accident insurance pays you Cash to pay your monthly bills.

    For more information or to elect this membership option, click Join Now.

    The Membership Accident Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

  • States Available - AK, AL, AR, AZ, CA, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MI, MO, MS, ND, NE, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY

    States Not Available - CO, LA, ME, MD, MN, MT, NH, NY, NC, OR, PR, UT, VT, WA
Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (18 to 34)
Prices Information Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

    To select this GUARANTEED ISSUE ABA Member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (35 to 39)
Prices More Info Enroll Now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

     

    To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefitat the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (40 to 44)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

     

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (45 to 49)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (50 to 54)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (55 to 59)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (60 to 64)
Prices More Info Enroll Now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life Age (65 to 69)
Prices Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

    *Members Supplemental Term Life coverage provided under Group Master Policy #D0142 issued to American Benefits Association and insured by 5 Star Insurance Company.

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 18-34)
Add Spouse
  • Product
    $3.32 per Month for $10,000 Term Life Insurance
    $6.64 per Month for $20,000 Term Life Insurance
    $9.96 per Month for $30,000 Term Life Insurance
    $13.28 per Month for $40,000 Term Life Insurance
    $16.60 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 35-39)
Add Spouse
  • Product
    $4.00 per Month for $10,000 Term Life Insurance
    $8.00 per Month for $20,000 Term Life Insurance
    $12.00 per Month for $30,000 Term Life Insurance
    $16.00 per Month for $40,000 Term Life Insurance
    $20.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 40-44)
Add Spouse
  • Product
    $4.34 per Month for $10,000 Term Life Insurance
    $8.68 per Month for $20,000 Term Life Insurance
    $13.02 per Month for $30,000 Term Life Insurance
    $17.36 per Month for $40,000 Term Life Insurance
    $21.70 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 45-49)
Add Spouse
  • Product
    $6.02 per Month for $10,000 Term Life Insurance
    $12.04 per Month for $20,000 Term Life Insurance
    $18.06 per Month for $30,000 Term Life Insurance
    $24.08 per Month for $40,000 Term Life Insurance
    $30.10 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 50-54)
Add Spouse
  • Product
    $8.68 per Month for $10,000 Term Life Insurance
    $17.36 per Month for $20,000 Term Life Insurance
    $26.04 per Month for $30,000 Term Life Insurance
    $34.72 per Month for $40,000 Term Life Insurance
    $43.40 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     
Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 55-59)
Add Spouse
  • Product
    $15.38 per Month for $10,000 Term Life Insurance
    $30.76 per Month for $20,000 Term Life Insurance
    $46.14 per Month for $30,000 Term Life Insurance
    $61.52 per Month for $40,000 Term Life Insurance
    $76.90 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

     

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 60-64)
Add Spouse
  • Product
    $23.06 per Month for $10,000 Term Life Insurance
    $46.12 per Month for $20,000 Term Life Insurance
    $69.18 per Month for $30,000 Term Life Insurance
    $92.24 per Month for $40,000 Term Life Insurance
    $115.30 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 65-69)
Add Spouse
  • Product
    $43.44 per Month for $10,000 Term Life Insurance
    $86.88 per Month for $20,000 Term Life Insurance
    $130.32 per Month for $30,000 Term Life Insurance
    $173.76 per Month for $40,000 Term Life Insurance
    $217.20 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Child (ren) Life Benefit
Optional Child(ren) Group Term Life Benefit Coverage
More Info Add Rider
  • Product
    $6.00 per Month for $10,000 Term Life Insurance
  • Members can add $10,000 Group Term Life Coverage with AD&D for all their financially dependent children.  

    Dependent children are covered from 14 days of age to age 21, or 26 if full-time student.

    Membership provides an optional Child Term Rider that many families consider necessary protection. All dependent children are covered under one budget friendly cost.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    ***This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. 

     

     

Vision Benefit
VSP Vision Service Plan - Standard Plan
Brochure Benefits Summary Enroll now
  • Product
    $12.58 per Month for Member
    $20.12 per Month for Member plus Spouse
    $20.54 per Month for Member plus Child(ren)
    $33.12 per Month for Member plus Family
  • Get the best eyecare and eyewear with the VSP® Vision Care Plans

    • $10 co-pay for Well/Vision Exam.
    • You’ll get the best care from a VSP® provider including a WellVision Exam® - the most comprehensive exam designed to detect eye and health conditions.
    • Choice of providers – The decision is yours to make – choose a VSP doctor, a participating retail chain or any out-of-network provider.

     

    Click "ENROLL NOW" on the top right corner to elect enrollment.

Vision Benefit
VSP Vision Service Plan - Premium Plan
Brochure Benefits Summary Enroll now
  • Product
    $21.46 per Month for Member
    $34.34 per Month for Member plus Spouse
    $35.06 per Month for Member plus Child(ren)
    $56.52 per Month for Member plus Family
  • Get the best eyecare and eyewear with the VSP® Vision Care Plans

    • $10 co-pay for Well/Vision Exam.
    • You’ll get the best care from a VSP® provider including a WellVision Exam® - the most comprehensive exam designed to detect eye and health conditions.
    • Choice of providers – The decision is yours to make – choose a VSP doctor, a participating retail chain or any out-of-network provider.

     

    Click "ENROLL NOW" on the top right corner to elect enrollment.

ABA Corporate Offices  • American Benefits Association  • Phone: (631) 366-2794  • operations@abbcinc.com

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