Legal Notices

Legal Notices

Nippon Life Benefits employer group health plan administrative practices and procedures are in full compliance with the Health Insurance Portability and Accountability Act (HIPAA) and the HIPAA Privacy Rules.To view our full HIPAA disclosure, click here.

Email Encryption

If you have received a notice from Nippon Life Benefits that you have been sent a secure encrypted email, you can use the link below to go to the secure message portal to retrieve this email.

Note: You will need login name and password to retrieve secure message(s). Please follow the instructions in the secure message notification if you don’t already have a login name and password.

We recently discovered that someone is posing as a Nippon Life employee transferring from the Nippon Life office in London to New York.  The individual, using various names, is posting on Craig's list to rent an apartment.  The person promises a landlord a Nippon Life check and then requests that any amount over the security deposit be sent to a person he is using for home decorations.

If this offer is made to you or any offer using a Nippon Life check, please do not accept the check  or attempt to deposit the check as it will not be honored.  If you are contacted by someone claiming to have a Nippon Life company check, please contact Mr. Lee Thomas at Nippon Life Insurance Company of
America to verify if it is a legitimate company check. His phone number is (212)909-0742.

You should also report receipt of any fraudulent Nippon Life checks to Consumer Services Division of your local Attorney General Office.

Please read the following carefully


These Terms of Use govern your access and use of the Web site of Nippon Life Benefits.   All information accessed or viewed is considered confidential and is for only authorized personal or business purposes.

Acceptance of Terms

This Web site is the property of Nippon Life Benefits.   By linking, referencing, using or accessing this Web site, you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless Nippon Life Benefits from all claims of any nature arising from your access and use of the Web site.   These Terms and Conditions may be changed at any time at our sole discretion.

Consent to do Business Electronically

This system/application is the property of Nippon Life Benefits.   You may use this system/application to gain access to authorized information only.   By providing the information requested periodically in a Consent to do Business Electronically form (presented at the time of login), you are:

  • Consenting to do business electronically with Nippon Life Benefits
  • Certifying that you are the person identified by that information.   If you are not that person and/or you are attempting to access someone else's information, you are in violation of federal and/or state law and should exit this application now.   Suspected violations may be reported to state and/or federal authorities;
  • If you are accessing this system/application on behalf of your employer, you are certifying that you have the appropriate authority to conduct business electronically on behalf of your employer;
  • Accepting and agreeing to be bound by the Disclosures and Terms of Use that apply to the Web site of Nippon Life Benefits; and
  • Consenting to, and acknowledging that, activity on this system/application may be viewed, monitored and recorded by Nippon Life Benefits in order to help prevent and detect potential fraud or other abuse, including unauthorized access to information.

When presented with the Consent to do Business Electronically, if you do not agree with any of these items, you should select the "Do Not Consent" button and exit the system/application.   By selecting "Do Not Consent" you will not be able to conduct business electronically with Nippon Life Benefits which includes not being able to access accounts and information online.

Secure Web Site

By using, accessing or attempting to access our Web site when Passwords, Personal Identification Numbers (PINs) or any other method of authentication or any combination of authentication methods (these are defined as "secure Web site") are required, you are certifying you are the person legally associated with the passwords, PINs or method(s) of authentication being used.   Unauthorized access or use or attempts to access or use a secure Web site of Nippon Life Benefits is prohibited and may violate federal and/or state law.   We may report unauthorized access, use or attempts to access or use to law enforcement.

Products and Services

The products and services offered through Nippon Life Benefits are not available in all states.  

Intellectual Property; Link and Logo Licensing

Trademarks, service marks and logos used on our Web site are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide.   Trademarks, service marks and logos used on this Web site that have been provided by others are the property of their respective owners.   You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of or trademarks, service marks or logos used on this Web site without the specific written consent of Nippon Life Benefits or their respective owners.


All personal information is subject to the Privacy Policy of Nippon Life Benefits, which may be accessed by clicking on the Privacy link at the bottom of any page.   The information for the accounts you have with us is kept secure and confidential through multiple security features and procedures.   See our online privacy and security policies for further information.

No Legal or Investment Advice

The content of Nippon Life Benefits website should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified providers at their own expense.

Links to Other Site - Limitation of Liability

Nippon Life Benefits may provide, or third parties may provide, for your convenience and information only, links to other World Wide Web sites.   Because we do not have control over these sites, you agree that Nippon Life Benefits is not responsible for any liability resulting from the access or use of sites not owned by us and that we are not responsible for any content, advertising, product, or any other matter or issue, available through the World Wide Web, whether linked to, or from Nippon Life Benefits website.   Further, you agree that Nippon Life Benefits shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of Web site we do not own.

Third Party Applications - Modification Prohibited

Nippon Life Benefits may provide you with access to third-party applications and services through its Web site. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

Modification Prohibited

Nippon Life Benefits may provide you with access to forms, applications, marketing materials and other company documents through its Web site. You agree not to modify, decompile or reverse engineer any such documents or any code related to such documents.

Termination and Blocking

You agree that Nippon Life Benefits reserves the right to terminate and/or block your use or access of its Web site for any reason without prior notice to you.


Nippon Life Benefits reserves the right to monitor your access and use of its Web site without notification to you. We may record or log your use in a manner as set out in the Privacy Policy.

Hardware and Software Recommendations

We recommend using a computer with 1.2 GHz or better processor, minimum 256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet connection speed and 40 GB hard disk storage,  Windows Operating System, Microsoft Office 2000 (or higher). Our browser recommendations are outlined in our browser requirements summary.

Export Control

The United States controls the export of products and information. You agree to comply with such restrictions and not to export or re-export any Material to countries or persons prohibited under the export control laws. By downloading any Material, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Material.

Limitation of Liability

YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE WEB SITE OF Nippon Life Benefits AND THE CONTENT THEREOF IS AT YOUR RISK.  YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL Nippon Life Benefits BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEB SITE OF Nippon Life Benefits OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of Nippon Life Benefits is limited to the greatest extent permitted by law.

Governing Law; Severability

These Terms of Use are governed by the laws of the State of New York with jurisdiction and venue being in New York County, New York. You agree that your referencing, using or accessing our website constitutes your acceptance of the jurisdiction of state or federal courts in New York County, New York and that any legal action brought against, or by, you must be brought in state or federal courts in New York County, New York.  

In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.

Use of this website by Plan Sponsors, their employees and other visitors is subject to the terms and conditions of this Legal Notice.  This Legal Notice may change at any time.  Subsequent use of this website constitutes your acceptance of such revised Legal Notice. 

The information on this website is provided for information purposes only, and should not be considered as legal, personal health care or tax advice.  You should consult your personal advisors and/or healthcare professionals concerning the particulars of your own situation. 

Products and services are offered through Nippon Life Benefits and associated companies.  Not all products and services described here are available in all states of the USA. 

All content included on this website is presented on an as is basis.  Content may include inaccuracies, typographic errors or out-of-date information.  Changes may be made to, and items may be added or deleted from, this website from time to time and without notice. 

All content of this website is the property of Nippon Life Benefits. 

The website materials are protected by US copyright laws and international treaties and copies may not be made without the express written permission of the copyright owner.  No permission is granted to copy, modify, upload, post, publicly display or perform, frame, produce derivative works from, distribute or otherwise transmit any site materials in any way.  However, you may print a copy of the site materials for your personal or internal business purposes only.  You may also print copies of forms, contracts or account information related to you as necessary for your personal or internal business purposes only. 

All trademarks, service marks and trade names contained on this website are the property of their respective owners. 

This website contains references, hyperlinks and other connections to websites operated by parties other than Nippon Life Benefits.  We neither control nor are responsible for these websites.  By including references, hyperlinks or other connections to such websites, Nippon Life Benefits does not imply any endorsement of the information on them or any association with their owners or operators. 

We endeavor to make our website available to customers and visitors at all times.  However, every site on the World Wide Web may from time to time become temporarily unavailable due to mechanical, telecommunications, software, hardware, third party interference or failures, or other causes.  Nippon Life Benefits consequently cannot guarantee that this website, or any portion thereof, will be available around the clock without interruption. 

This website is controlled and operated by Nippon Life Benefits, principal place of business at 655 Third Avenue, 16th Floor, New York, NY 10017-9113. This legal notice shall be governed by and construed in accordance with the laws and regulations of the State of new York, as well as relevant federal laws and regulations.

Nippon Life Insurance Company of America, NAIC # 81264, is domiciled in the state of Iowa and is licensed and authorized in all states including the District of Columbia, with the exception of Maine, New Hampshire and Wyoming.


For information regarding the Nippon Life Benefits' Minimum Loss Ratio Rebate process, please refer to the document below.

MLR Rebate Q & A

For general information about your rights regarding the refund and if your group health plan is subject to ERISA, you may contact the Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272).

6055-1095b Frequently Asked Questions(FAQ)