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Group Disability Insurance
Disability occurs far more often than many people realize, and preparation for that possibility is essential. Nippon Life Benefits offers plans that provide needed income replacement to employees who are unable to work for extended periods due to injury. Our plans focus on early intervention and case management, and are fully supported by Managed Disability Services.
A basic medical plan covers health care but not lost wages from an injury. Workers・compensation reimburses a portion of lost wages from on-the-job accidents, but not for disabilities incurred away from work. And not all ailments are physical mental conditions such as anxiety can also cause employees to miss work. Nippon Life Benefits disability insurance provides employees the protection they need.
Nippon Life Benefits offers short-term, long-term, and integrated disability insurance. Integrated disability insurance provides coverage to members whose short-term disability becomes long-term. An experienced staff of health care professionals, rehabilitation specialists, social security administrators, and claims adjustors is at your service on every claim.
Our 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 disability, even if the employee is working part time
- Cost control through claims monitoring
- Aggressive claims management to encourage employees to return to work