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Whether you are an educator or a school employee, you can enroll in our Free Accidental Death life insurance plan (no cost for the first year)

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WHO WE ARE

United Schools Associates (USA), headquartered just outside of Washington, D.C. in Bowie, Maryland, is an insurance agency specializing in providing supplemental  insurance benefits for the education community. We take pride in offering financial benefits to educators when they need them the most.

Our products consist of various paycheck and lifestyle protection programs, including accident, critical illness, cancer, paycheck protection (disability), hospital indemnity, and life insurance programs.


We protect our clients and their families from the financial hardship that often occurs with a critical illness, accident, or loss of life. Our supplemental and enhanced insurance programs help educators and their families pay for expenses typically not covered by their comprehensive medical plans.

Our products consist of various paycheck and lifestyle protection programs, including accidents, critical illness, cancer, paycheck protection (disability), hospital indemnity, and life insurance programs

We protect our clients and their families from the financial hardship that often occurs with a critical illness, accident, or loss of life. Our supplemental and enhanced insurance programs help educators and their families pay for expenses typically not covered by their comprehensive medical plans.

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Request a Quote

United Schools Associates provides insurance that pays you cash directly to help pay for things that major medical doesn't cover.

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More about us

Free School Donations  

How the USA Paycheck Protection Plan Works

Your most valuable asset may not be your home, car, or family heirloomfor some people, it's your ability to earn and provide for you and your family.

Every employed person needs paycheck/income replacement protection, just as every employed person needs medical insurance, life insurance, auto insurance, and air to breathe. Figuring out if you need paycheck protection is pretty easy. If you have a job, you need it.

Every employed person needs paycheck/income replacement protection, just as every employed person needs medical insurance, life insurance, auto insurance, and air to breathe. Figuring out if you need paycheck protection is pretty easy. If you have a job, you need it.

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USA’S
OUTSTANDING FEATURES

Providing Financial Benefits When You Need Them the Most

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Pays money directly to you (Generally tax-free)

or whomever you designated

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Cannot be cancelled by company

Your policy is guaranteed renewable for life as long as your premium is current. However, we have the right to change premiums, but only if we do the same to all policies in the same class in your state.

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Pays in addition to any other insurance

Including HMOs, PPOs, sick leave, sick bank, and workmen’s compensation.

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Provides financial predictability

Fills in critical gaps in coverage and provides peace-of-mind protection.

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Continuous coverage (portable)

Even if you change jobs or retire, your benefits stay with you.

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Assists in reducing health care cost

A supplemental benefits such as accident, disability, critical illness and hospital indemnity, alongside your medical coverage could mean cash benefits to cover your medical deductibles and more.

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Guaranteed issued

Guaranteed issued benefits during open enrollment, regardless of health issues.

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Paid wellness benefits

You can get paid wellness benefits for checkups at the doctor's office.

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Group premium discount

Through the educator’s school worksite, the insured can enjoy premium discount for group enrollment and occupational classification.

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Potential tax benefits

Self-employed persons may be able to receive a tax deduction on premium payments (please check with your accountant).

SCHOOL DISTRICTS OUR TEAM MEMBERS HAVE SERVED

JOIN OUR TEAM

Join Team USA for the career opportunity of a lifetime. We believe not only in satisfying our team members, but also amazing them with great opportunities and appreciation. Contact us to learn more. Welcome to Team USA!

Read What Our Team Members Are Saying About Team USA  Apply Now to Join the Team 

SEE WHAT OUR HAPPY BUSINESS PARTNERS AND CLIENTS HAVE TO SAY

  • It gave us peace of mind knowing that we could focus on my recovery and not worry about finances. The money helped to pay the bills and our house payment. You just never know when something may happen, that’s why it’s called an accident.

    Becky Wallace, educator
  • USA paid me on all the parts of my Paycheck Protection Plan just like I was told they would. The money came quickly and was a real blessing. I have shared my experience with all my colleagues and recommend your company to everyone. We never know when a major accident or illness will happen and having supplemental insurance is just a smart decision. I am so happy I enrolled with your company.

    Daniel Hughes, educator
  • We have had many vendors, but none have appreciated our staff the way USA did. Our staff truly felt their sincerity!

    Thank you again for blessing my staff with such wonderful and tasty lunches.
    Ms. Hill-Pryor and Ms. Prear have received their gifts from the drawing and I gave the DonorsChoose gift card to my music teacher. We have to replace some of the drum covers and this would help him tremendously

    Melody L. Seaton, Principal
  • I am writing to express my deep appreciation to United Schools Associates for supporting the Chicago Teachers Union and the members we serve. Your contribution to our schools is making a real difference!

    We are grateful for your friendship and generosity, and look forward to a long relationship.

    Karen Lewis, President, Chicago Teachers Union
  • The whole process was so easy. USA paid me on all the parts of my Accident Pro Plan, just as I was told they would. The money came quickly, and was a real blessing. I have shared my experience with all my colleagues, and recommend your company to everyone. We never know when a major accident or illness will happen, and having supplemental insurance is just a smart decision.

    Christian, educator
  • I would recommend these USA programs to every teacher and their family, because USA provided me with a safety net that many of us do not have. They have been my parachute when I thought I was plunging to my death.

    Joanne Lane, educator
  • Wow!!! We made it because of what you did!!! Thank you so much for supporting our class project with your wonderful contributions.

    Debra Garner, educator
  • I encourage all of you to take advantage of USA’s paycheck protection program. That extra sense of security pays off and this company DEFINITELY delivers on what they promise. Sign up while you have the opportunity. You’ll be glad you did.

    Clarice Shieridan, educator
  • On behalf of all of us here at Philadelphia Federation of Teachers (PTF), please know that we appreciate all that your team members have done in the past, to help those of us in the business of helping children of Philadelphia.

    Jerry Jordan, President, Philadelphia Federation of Teachers (PTF)
  • Becky Wallace, educator
  • Daniel Hughes, educator
  • Melody L. Seaton, Principal
    Jesse Owens Community Academy School
  • Karen Lewis, President, Chicago Teachers Union
    Chicago, IL
  • Christian, educator
  • Joanne Lane, educator
  • Debra Garner, educator
    Chicago, IL
  • Clarice Shieridan, educator
    Chicago, IL
  • Jerry Jordan, President, Philadelphia Federation of Teachers (PTF)
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