Disability Insurance

Disability insurance is designed to replace lost income for people who are unable to work due to an accident, injury, or illness. Typically, these are classified as either Short Term Disability (STD) or Long Term Disability (LTD) and are an important aspect of sound financial planning.

Why Disability Insurance?

Did you know that the average disability claim lasts almost 13 months¹? It can be difficult to prepare for that type of financial burden lost income can create. Disability insurance helps to replace part of that income and mitigate that burden.

The fact is, no two employees are the same and no two disabilities are the same. Thats why we offer both Short-term and Long-term disability insurance designed to help employees when they can’t work and also help them get back to work.

1https://www.smartaboutmoney.org/Topics/Insurance-and-Taxes/Insurance/Why-You-Need-Disability-Insurance

Why Disability Insurance from Nippon Life Benefits?

Options

We offer voluntary benefits with a wide range of elmination periods and benefit duration
Income replacement up to 66 2/3% of salary on most group disability plans
Rehabilitation and return-to work assistance when appropriate
Premium waiver during peiords of eligible disability

Service

We focus on making benefits that our members and employes love. How do we do that? By coupling exceptional products with excellent customer service. In fact, in 2020, we were ranked an average of 9.5/10 in customer satisfaction.¹

Dependability

Dependable protection provided by a company with proven financial stability and strength. We back that up with an A- rating from AM Best for excellent financial strength.²

1. Based on 2020 customer satisfaction survey results
2. http://news.ambest.com/newscontent.aspx?refnum=231014&altsrc=53

Interested in Learning More?

If you are a broker looking to get in touch with a representative from Nippon Life Benefits, click the link below to get in touch.

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