How important is disability insurance to an employee benefits package? Take a look:

  • Accident or illness will force 1 in 5 U.S. employees to miss work for at least a year before they turn 65.1
  • Over 225 million days of production time were lost in 2006 due to off-the-job injuries. Cost: over $240 billion.2

Most employees know that a basic medical plan covers health care but not lost wages from a disabling illness or accident. While Workers' Compensation reimburses a portion of lost wages from on-the-job accidents, it won't cover disabilities incurred away from work.

  • 71% of American employees live from paycheck to paycheck, without enough savings to cushion the financial blow.3

Income Protection and Peace of Mind

Nippon Life Benefits offers short-term and long-term disability coverage,* as well as convenient integrated claims processing. An experienced staff of health care professionals, rehabilitation specialists, social security coordinators, and claims adjusters are dedicated to every claim.

Our disability coverage also provides:

  • A flexible benefit design
  • A single claim form and one-time claim notification
  • Broad coverage for total disability, with incentives for returning to work part-time
  • Waiting periods that can start on the first day of a disability - even if the employee works part-time
  • Cost control through claims monitoring
  • Proactive claims management to help employees to return to work
  • 1.Life and Health Insurance Foundation for Education, Nov 2005
  • 2. National Safety Council®, Injury Facts® 2008 Ed.
  • 3. American Payroll Association, "Getting Paid in America" Survey, 2008
  • *Long-term disability coverage provided through our partnership with Custom Disability Solutions