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Legal Notices

This is the website of Nippon Life Benefits.  We respect the privacy of our customers and website visitors.  We have established policies and procedures concerning the collection, use and security of your personal information that will help protect your privacy.  This enables us to serve our customers and at the same time maintain strict privacy and security standards.To view our full Privacy Practices document, click here.

How You Can Reach Us If You Have A Question

Nippon Life Benefits
655 Third Avenue, 16th Floor
New York, New York 10017
877-252-7174

Information We Collect From Website Visitors

For each visitor to our website, our Web server automatically recognizes the visitor's Internet service provider.  Additionally, we collect information about the sites visitors connect from.  We summarize this information to monitor activity and usage of our website, and to improve the content we offer on our Web pages.  None of the summarized information is traceable to individual visitors. 

We collect the e-mail addresses of visitors to our website when visitors provide them, the e-mail addresses of persons who communicate with us via e-mail, and any information volunteered by a visitor - such as contract, telephone number or survey information.  This information is used only in our routine communications with a visitor.  It is not shared with, leased or sold to another organization.

Information Security

Customer account information is kept secure and confidential through multiple security features and procedures.

  • Information you request from our website for your accounts can only be accessed with a Personal Security Number (PIN).  It is your responsibility to keep your PIN confidential.
  • Do not disclose your PIN to anyone.  Our employees and associates will never ask you for your PIN.
  • Never write your PIN on something others may see.
  • Contact us immediately if you suspect someone has learned of your PIN.
  • Information you submit through our website, as well as account information we send back to you while you are visiting our website, is protected while passing through the Internet using strong encryption that assures your communications remain private and protected.
  • Your account information is permanently stored in secured computer systems that are maintained separately from the Internet.  Your account information resides on our web server only while you are viewing it.  It is removed from our Web server when you log off.
  • Access to your account and personal information is limited to only those who have a business need to view it.

E-Mail Security

Messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet.  We encourage you to send confidential correspondence through either the postal service or to speak directly to us by telephone.  We are not responsible for the security or confidentiality of communications you send to Nippon Life Benefits using e-mail.

Cookies

To enable our customers to access and process account information, we use cookies.  The cookie created when you visit a secured page at our site contains only a token (string of alpha-numeric characters) generated to maintain your session within our secured pages.  The token in the cookies does not contain any comprehensible information. 

We do not use cookies to gather information.  These are used only to enable customers to more easily use our website.  The cookies created at our website expire (are no longer accessible) when a new Internet session is started on the same PC, when you shut down your browser, when you properly exit a secured page, and after 20 minutes of inactivity within secured pages.

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 encrypted email, you can use the link below to go to the message center to retrieve this email.

https://zixmessagecenter.com
Note: You will need to create a login name and password if you have not already done so.

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

Introduction

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.

Privacy

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.

Monitoring

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.

PPACA MINIMUM LOSS RATIO INFORMATION

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).

You may also review the Department's technical guidance on this issue on its web site at:

http://www.dol.gov/ebsa/newsroom/tr11-04.html

 

HEALTHCARE REFORM (ACA) RESOURCES AND UPDATES

We are here to help you stay connected!

    We are dedicated to providing you timely information about healthcare reform and the impacts to the insurance industry.


On July 2nd 2013, the Obama Administration announced a delay to the Employer Shared Responsibility provisions until 2015. Generally, this announcement postponed for one year (1) the employer and insurer reporting requirements associated with the Employer Shared Responsibility provisions and (2) employer penalties for not providing coverage that is both "affordable" and of "minimum value." We are still awaiting further guidance on this development and will pass along that information to you as it becomes available. Stay tuned! - [posted 8/1/13]


Here is a guide to help you navigate through Healthcare Reform:

NLB Affordable Care Act Guide

Below is our recent edition of our ACA Spotlight Newsletter:

ACA Spotlight Newsletter - Edition 1
ACA Spotlight Newsletter - Edition 2
ACA Spotlight Newsletter - Edition 3
ACA Spotlight Newsletter - Edition 4
ACA Spotlight Newsletter - Edition 5


Notifications:

Minimum Value Notification: click here

Employee Notices:

Health Insurance Exchange Notice: click here

COBRA Notice: click here


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).

You may also review the Department's technical guidance on this issue on its web site at:

http://www.dol.gov/ebsa/newsroom/tr11-04.html

Additional documents:

Click the below link for a document that outlines the fees and how Nippon is implementing them:

Affordable Care Act Fees and the Associated Impact on Insured Premium Rates

Click the below link for a document that outlines  the summary of benefits and coverage:

Summary of Benefits and Coverage (SBC) Employer Guide