Dental Rate Card New York Group Size 2-9 Area 1-4 Effective Date 7/1/ /15/2018 NLB (05/18)
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1 Dental Rate Card New York Group Size 2-9 Area 1-4 Effective Date 7/1/ /15/2018
2 DENTAL RATE CARD Groups 2-9 enrolled Nippon Life Insurance Company of America NY 2 New York - Rate Area 1 Zips: 124,127,129,133,134,135,136,137,138,139,140,141,143,147,148,149 Effective dates 7/1/ /15/2018 All Plans are customizable down to 2 enrolled lives. Rates assume prior coverage. For additional information please contact your sales representative below. Option 1 Option 2 Option 3 Option 4 Deductible (ind/fam) $50/$150 $50/$150 $50/$150 $100/$300 Preventive 100/ / / /50 Basic 80/80 80/80 100/80 100/50 Major 50/50 50/50 100/50 100/50 UCR Maximum Allowable Charge* 90th UCR 90th UCR Maximum Allowable Charge* Ortho (optional) 50% to $ % to $ % to $ % to $1000 Annual Maximums Tier Rates by Annual Maximums (without Orthodontia) $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $23.50 $25.19 $25.93 $33.04 $36.42 $37.95 $35.18 $38.64 $40.21 $25.06 $26.86 $27.66 $48.08 $51.55 $53.07 $67.60 $74.51 $77.65 $71.99 $79.07 $82.28 $51.27 $54.97 $56.59 $55.40 $59.40 $65 $77.89 $85.86 $89.48 $82.95 $91 $94.80 $59.08 $63.34 $65.21 $79.96 $85.73 $88.26 $ $ $ $ $ $ $85.27 $91.42 $94.11 Tier Rates by Annual Maximums (with Orthodontia) $23.50 $25.19 $25.93 $33.04 $36.42 $37.95 $35.18 $38.64 $40.21 $25.06 $26.86 $27.66 $48.08 $51.55 $53.07 $67.60 $74.51 $77.65 $71.99 $79.07 $82.28 $51.27 $54.97 $56.59 $60.46 $64.46 $66.20 $83.24 $91.21 $94.83 $88.26 $96.42 $ $64.13 $68.40 $70.26 $86.26 $92.03 $94.56 $ $ $ $ $ $ $91.57 $97.72 $ Plan Options Endo/Perio to Basic N/A *Maximum Allowable Charge (MAC): For covered services provided by Out-of Network Providers, Nippon Life Benefits will reimburse based on policy provisions up to the maximum allowable charge (MAC). Out-of-Network Providers may bill insureds for amounts in excess of the amount reimbursed by Nippon Life Benefits. Selecting an In- Network Provider ensures the lowest out-of-pocket costs. DENTAL RATE CARD UNDERWRITING ASSUMPTIONS Includes Aetna Dental Administrators Network Contributory plans require at least 50% employer contribution Dependents are covered to age 26 Orthodontia is available for 5+ enrolled lives and limited to children under 19 If there is an average of more than 3 children per EC ( + Child(ren)) and FF () units, please contact your Nippon Life Benefits Sales Rep for a formal proposal. Rate guaranteed for 12 months Includes Rollover GROUPS WITHOUT PRIOR COVERAGE 2-4 enrolled, load 2% to the rate 5-9 enrolled, load 7% to the rate 2-4 enrolled, there is a 12 month wait on Major Services No ortho available QUESTIONS? Contact your Nippon Life Benefits Sales Representative TODAY! Visit our website for more information:
3 Nippon Life Insurance Company of America DENTAL RATE CARD Groups 2-9 enrolled NIPPON LIFE BENEFITS: DELIVERING INNOVATIVE EMPLOYEE BENEFITS FOR MORE THAN 25 YEARS. Nippon Life Benefits is proud to serve clients in the 2+ life marketplace and provide a full suite of benefit options: Dental, Vision, Life, and Disability. Our strength and stability is proven with an AM Best rating of A- (January 2017). We are a subsidiary of Nippon Life Insurance Company in Japan, the largest Life Insurer in Japan with over $520 billion in assets and is ranked #111 in the Global Fortune 500 (July 2017). Our foundational values are built with Harmony, Honor, and Humanity and are integrated into everything we do. Example EE ES EC EF Calculation Worksheet Tier Rate SIC Perio/Endo Participation Total Rate # Enrolled Monthly Total $30 x x 1.03 x 02 x $36.61 x 5 = $ TOTAL SIC 43xx SIC Description US Postal Service Partcipation 100% xx Restaurants 65% - 99% xx, 64xx Insurance Carriers and Agencies 60% - 64% 02 66xx, 67xx Investments and Banking 50% - 59% 57 70xx Hotels and Motels 45% - 49% 57 72xx Laundry, Photo Studios, Beauty Shops, 25% - 44% Shoe Repair, Funeral Services, Tax Returns 95xx, 96xx Financial Services 55xx Automobile Sales and Service xx Communications 83xx, 84xx Social Services Museums, Art Galleries 87xx Accounting, Publications, Engineering, Architecture, Research and Development 92xx Police, Public Protection, Fire 93xx, 94xx Taxation, Finance, Economic Programs 65xx Real Estate 78xx, 79xx Motion Pictures Entertainers, Amusements, Recreation, Sports Teams 81xx, 82xx Legal Services Education 91xx Executive and Legislation All Other 1 TO CALCULATE YOUR MONTHLY RATE 1. Using your business zip code, confirm the correct Rating Area is being used. 2. After you have chosen your plan, write Tier Rates (EE, ES, EC and FF) into column Using our SIC Code List (nature of business), insert SIC in column To modify Plan Options: Insert Perio/Endo in column 3 Insert Participation in column 4 Use 1.0 as default factor in columns 3 if not modifying Plan Options 5. Based on census, complete # Enrolled column and calculate the MonthlyTotals. NOTE: Groups without prior coverage with 2-4 enrolled, load 2%, and with 5-9 enrolled, load 7% to the rate. Dental Policy Series NP700 1 (J), et al, and Booklet Certificate Series NBD100-1 (J), et al is underwritten by Nippon Life Insurance Company of America - marketing name Nippon Life Benefits, NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 655 Third Avenue, 16th floor, NY, NY , member company of Nippon Life Insurance Company of Japan ( Nissay ). Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Nothing herein is a guarantee of benefits or eligibility. All terms, provisions, conditions, limitations and exclusions shown in your Nippon Life Insurance Company of America certificate booklet and master policy will govern. These product features are subject to change by us without notice, and may vary by state and/or market-segment. Additional underwriting rules and/or policies may also apply.
4 DENTAL RATE CARD Groups 2-9 enrolled Nippon Life Insurance Company of America NY 2 New York - Rate Area 2 Zips: 128,130,131,142,144,145,146 Effective dates 7/1/ /15/2018 All Plans are customizable down to 2 enrolled lives. Rates assume prior coverage. For additional information please contact your sales representative below. Option 1 Option 2 Option 3 Option 4 Deductible (ind/fam) $50/$150 $50/$150 $50/$150 $100/$300 Preventive 100/ / / /50 Basic 80/80 80/80 100/80 100/50 Major 50/50 50/50 100/50 100/50 UCR Maximum Allowable Charge* 90th UCR 90th UCR Maximum Allowable Charge* Ortho (optional) 50% to $ % to $ % to $ % to $1000 Annual Maximums Tier Rates by Annual Maximums (without Orthodontia) $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $25.38 $27.22 $28.02 $35.69 $39.34 $41.00 $38.01 $41.75 $43.44 $27.07 $29.02 $29.88 $51.94 $55.69 $57.33 $73.03 $80.50 $83.89 $77.77 $85.42 $88.88 $55.39 $59.38 $6 $59.85 $64.17 $66.06 $84.15 $92.76 $96.66 $89.62 $98.43 $ $63.82 $68.43 $70.44 $86.39 $92.62 $95.35 $ $ $ $ $ $ $92.12 $98.76 $ Tier Rates by Annual Maximums (with Orthodontia) $25.38 $27.22 $28.02 $35.69 $39.34 $41.00 $38.01 $41.75 $43.44 $27.07 $29.02 $29.88 $51.94 $55.69 $57.33 $73.03 $80.50 $83.89 $77.77 $85.42 $88.88 $55.39 $59.38 $6 $65.31 $69.63 $71.52 $89.93 $98.54 $ $95.35 $ $ $69.28 $73.89 $75.90 $93.19 $99.42 $ $ $ $ $ $ $ $98.92 $ $ Plan Options Endo/Perio to Basic N/A *Maximum Allowable Charge (MAC): For covered services provided by Out-of Network Providers, Nippon Life Benefits will reimburse based on policy provisions up to the maximum allowable charge (MAC). Out-of-Network Providers may bill insureds for amounts in excess of the amount reimbursed by Nippon Life Benefits. Selecting an In- Network Provider ensures the lowest out-of-pocket costs. DENTAL RATE CARD UNDERWRITING ASSUMPTIONS Includes Aetna Dental Administrators Network Contributory plans require at least 50% employer contribution Dependents are covered to age 26 Orthodontia is available for 5+ enrolled lives and limited to children under 19 If there is an average of more than 3 children per EC ( + Child(ren)) and FF () units, please contact your Nippon Life Benefits Sales Rep for a formal proposal. Rate guaranteed for 12 months Includes Rollover GROUPS WITHOUT PRIOR COVERAGE 2-4 enrolled, load 2% to the rate 5-9 enrolled, load 7% to the rate 2-4 enrolled, there is a 12 month wait on Major Services No ortho available QUESTIONS? Contact your Nippon Life Benefits Sales Representative TODAY! Visit our website for more information:
5 Nippon Life Insurance Company of America DENTAL RATE CARD Groups 2-9 enrolled NIPPON LIFE BENEFITS: DELIVERING INNOVATIVE EMPLOYEE BENEFITS FOR MORE THAN 25 YEARS. Nippon Life Benefits is proud to serve clients in the 2+ life marketplace and provide a full suite of benefit options: Dental, Vision, Life, and Disability. Our strength and stability is proven with an AM Best rating of A- (January 2017). We are a subsidiary of Nippon Life Insurance Company in Japan, the largest Life Insurer in Japan with over $520 billion in assets and is ranked #111 in the Global Fortune 500 (July 2017). Our foundational values are built with Harmony, Honor, and Humanity and are integrated into everything we do. Example EE ES EC EF Calculation Worksheet Tier Rate SIC Perio/Endo Participation Total Rate # Enrolled Monthly Total $30 x x 1.03 x 02 x $36.61 x 5 = $ TOTAL SIC 43xx SIC Description US Postal Service Partcipation 100% xx Restaurants 65% - 99% xx, 64xx Insurance Carriers and Agencies 60% - 64% 02 66xx, 67xx Investments and Banking 50% - 59% 57 70xx Hotels and Motels 45% - 49% 57 72xx Laundry, Photo Studios, Beauty Shops, 25% - 44% Shoe Repair, Funeral Services, Tax Returns 95xx, 96xx Financial Services 55xx Automobile Sales and Service xx Communications 83xx, 84xx Social Services Museums, Art Galleries 87xx Accounting, Publications, Engineering, Architecture, Research and Development 92xx Police, Public Protection, Fire 93xx, 94xx Taxation, Finance, Economic Programs 65xx Real Estate 78xx, 79xx Motion Pictures Entertainers, Amusements, Recreation, Sports Teams 81xx, 82xx Legal Services Education 91xx Executive and Legislation All Other 1 TO CALCULATE YOUR MONTHLY RATE 1. Using your business zip code, confirm the correct Rating Area is being used. 2. After you have chosen your plan, write Tier Rates (EE, ES, EC and FF) into column Using our SIC Code List (nature of business), insert SIC in column To modify Plan Options: Insert Perio/Endo in column 3 Insert Participation in column 4 Use 1.0 as default factor in columns 3 if not modifying Plan Options 5. Based on census, complete # Enrolled column and calculate the MonthlyTotals. NOTE: Groups without prior coverage with 2-4 enrolled, load 2%, and with 5-9 enrolled, load 7% to the rate. Dental Policy Series NP700 1 (J), et al, and Booklet Certificate Series NBD100-1 (J), et al is underwritten by Nippon Life Insurance Company of America - marketing name Nippon Life Benefits, NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 655 Third Avenue, 16th floor, NY, NY , member company of Nippon Life Insurance Company of Japan ( Nissay ). Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Nothing herein is a guarantee of benefits or eligibility. All terms, provisions, conditions, limitations and exclusions shown in your Nippon Life Insurance Company of America certificate booklet and master policy will govern. These product features are subject to change by us without notice, and may vary by state and/or market-segment. Additional underwriting rules and/or policies may also apply.
6 DENTAL RATE CARD Groups 2-9 enrolled Nippon Life Insurance Company of America NY 2 New York - Rate Area 3 Zips: 120,121,122,123,125,126,132 Effective dates 7/1/ /15/2018 All Plans are customizable down to 2 enrolled lives. Rates assume prior coverage. For additional information please contact your sales representative below. Option 1 Option 2 Option 3 Option 4 Deductible (ind/fam) $50/$150 $50/$150 $50/$150 $100/$300 Preventive 100/ / / /50 Basic 80/80 80/80 100/80 100/50 Major 50/50 50/50 100/50 100/50 UCR Maximum Allowable Charge* 90th UCR 90th UCR Maximum Allowable Charge* Ortho (optional) 50% to $ % to $ % to $ % to $1000 Annual Maximums Tier Rates by Annual Maximums (without Orthodontia) $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $27.51 $29.50 $30.37 $38.68 $42.64 $44.44 $41.20 $45.25 $47.08 $29.34 $31.46 $32.38 $56.30 $60.36 $62.14 $79.15 $87.25 $90.93 $84.30 $92.59 $96.34 $60.04 $64.37 $66.26 $64.87 $69.55 $71.60 $91.21 $ $ $97.13 $ $ $69.18 $74.17 $76.35 $93.63 $ $ $ $ $ $ $ $ $99.85 $ $ Tier Rates by Annual Maximums (with Orthodontia) $27.51 $29.50 $30.37 $38.68 $42.64 $44.44 $41.20 $45.25 $47.08 $29.34 $31.46 $32.38 $56.30 $60.36 $62.14 $79.15 $87.25 $90.93 $84.30 $92.59 $96.34 $60.04 $64.37 $66.26 $70.79 $75.47 $77.52 $97.47 $ $ $ $ $ $75.10 $80.09 $82.27 $ $ $ $ $ $ $ $ $ $ $ $ Plan Options Endo/Perio to Basic N/A *Maximum Allowable Charge (MAC): For covered services provided by Out-of Network Providers, Nippon Life Benefits will reimburse based on policy provisions up to the maximum allowable charge (MAC). Out-of-Network Providers may bill insureds for amounts in excess of the amount reimbursed by Nippon Life Benefits. Selecting an In- Network Provider ensures the lowest out-of-pocket costs. DENTAL RATE CARD UNDERWRITING ASSUMPTIONS Includes Aetna Dental Administrators Network Contributory plans require at least 50% employer contribution Dependents are covered to age 26 Orthodontia is available for 5+ enrolled lives and limited to children under 19 If there is an average of more than 3 children per EC ( + Child(ren)) and FF () units, please contact your Nippon Life Benefits Sales Rep for a formal proposal. Rate guaranteed for 12 months Includes Rollover GROUPS WITHOUT PRIOR COVERAGE 2-4 enrolled, load 2% to the rate 5-9 enrolled, load 7% to the rate 2-4 enrolled, there is a 12 month wait on Major Services No ortho available QUESTIONS? Contact your Nippon Life Benefits Sales Representative TODAY! Visit our website for more information:
7 Nippon Life Insurance Company of America DENTAL RATE CARD Groups 2-9 enrolled NIPPON LIFE BENEFITS: DELIVERING INNOVATIVE EMPLOYEE BENEFITS FOR MORE THAN 25 YEARS. Nippon Life Benefits is proud to serve clients in the 2+ life marketplace and provide a full suite of benefit options: Dental, Vision, Life, and Disability. Our strength and stability is proven with an AM Best rating of A- (January 2017). We are a subsidiary of Nippon Life Insurance Company in Japan, the largest Life Insurer in Japan with over $520 billion in assets and is ranked #111 in the Global Fortune 500 (July 2017). Our foundational values are built with Harmony, Honor, and Humanity and are integrated into everything we do. Example EE ES EC EF Calculation Worksheet Tier Rate SIC Perio/Endo Participation Total Rate # Enrolled Monthly Total $30 x x 1.03 x 02 x $36.61 x 5 = $ TOTAL SIC 43xx SIC Description US Postal Service Partcipation 100% xx Restaurants 65% - 99% xx, 64xx Insurance Carriers and Agencies 60% - 64% 02 66xx, 67xx Investments and Banking 50% - 59% 57 70xx Hotels and Motels 45% - 49% 57 72xx Laundry, Photo Studios, Beauty Shops, 25% - 44% Shoe Repair, Funeral Services, Tax Returns 95xx, 96xx Financial Services 55xx Automobile Sales and Service xx Communications 83xx, 84xx Social Services Museums, Art Galleries 87xx Accounting, Publications, Engineering, Architecture, Research and Development 92xx Police, Public Protection, Fire 93xx, 94xx Taxation, Finance, Economic Programs 65xx Real Estate 78xx, 79xx Motion Pictures Entertainers, Amusements, Recreation, Sports Teams 81xx, 82xx Legal Services Education 91xx Executive and Legislation All Other 1 TO CALCULATE YOUR MONTHLY RATE 1. Using your business zip code, confirm the correct Rating Area is being used. 2. After you have chosen your plan, write Tier Rates (EE, ES, EC and FF) into column Using our SIC Code List (nature of business), insert SIC in column To modify Plan Options: Insert Perio/Endo in column 3 Insert Participation in column 4 Use 1.0 as default factor in columns 3 if not modifying Plan Options 5. Based on census, complete # Enrolled column and calculate the MonthlyTotals. NOTE: Groups without prior coverage with 2-4 enrolled, load 2%, and with 5-9 enrolled, load 7% to the rate. Dental Policy Series NP700 1 (J), et al, and Booklet Certificate Series NBD100-1 (J), et al is underwritten by Nippon Life Insurance Company of America - marketing name Nippon Life Benefits, NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 655 Third Avenue, 16th floor, NY, NY , member company of Nippon Life Insurance Company of Japan ( Nissay ). Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Nothing herein is a guarantee of benefits or eligibility. All terms, provisions, conditions, limitations and exclusions shown in your Nippon Life Insurance Company of America certificate booklet and master policy will govern. These product features are subject to change by us without notice, and may vary by state and/or market-segment. Additional underwriting rules and/or policies may also apply.
8 DENTAL RATE CARD Groups 2-9 enrolled Nippon Life Insurance Company of America NY 2 New York - Rate Area 4 Zips: 100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116,117,118,119 Effective dates 7/1/ /15/2018 All Plans are customizable down to 2 enrolled lives. Rates assume prior coverage. For additional information please contact your sales representative below. Option 1 Option 2 Option 3 Option 4 Deductible (ind/fam) $50/$150 $50/$150 $50/$150 $100/$300 Preventive 100/ / / /50 Basic 80/80 80/80 100/80 100/50 Major 50/50 50/50 100/50 100/50 UCR Maximum Allowable Charge* 90th UCR 90th UCR Maximum Allowable Charge* Ortho (optional) 50% to $ % to $ % to $ % to $1000 Annual Maximums Tier Rates by Annual Maximums (without Orthodontia) $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $1,000 $1,500 $2,000 $33.91 $36.35 $37.42 $47.67 $52.55 $54.76 $50.77 $55.76 $58.02 $36.16 $38.77 $39.91 $69.38 $74.39 $76.58 $97.54 $ $ $ $ $ $73.98 $79.32 $81.66 $79.95 $85.71 $88.24 $ $ $ $ $ $ $85.25 $91.40 $94.09 $ $ $ $ $ $ $ $ $ $ $ $ Tier Rates by Annual Maximums (with Orthodontia) $33.91 $36.35 $37.42 $47.67 $52.55 $54.76 $50.77 $55.76 $58.02 $36.16 $38.77 $39.91 $69.38 $74.39 $76.58 $97.54 $ $ $ $ $ $73.98 $79.32 $81.66 $87.24 $93.01 $95.53 $ $ $ $ $ $ $92.54 $98.70 $ $ $ $ $ $ $ $ $ $ $ $ $ Plan Options Endo/Perio to Basic N/A *Maximum Allowable Charge (MAC): For covered services provided by Out-of Network Providers, Nippon Life Benefits will reimburse based on policy provisions up to the maximum allowable charge (MAC). Out-of-Network Providers may bill insureds for amounts in excess of the amount reimbursed by Nippon Life Benefits. Selecting an In- Network Provider ensures the lowest out-of-pocket costs. DENTAL RATE CARD UNDERWRITING ASSUMPTIONS Includes Aetna Dental Administrators Network Contributory plans require at least 50% employer contribution Dependents are covered to age 26 Orthodontia is available for 5+ enrolled lives and limited to children under 19 If there is an average of more than 3 children per EC ( + Child(ren)) and FF () units, please contact your Nippon Life Benefits Sales Rep for a formal proposal. Rate guaranteed for 12 months Includes Rollover GROUPS WITHOUT PRIOR COVERAGE 2-4 enrolled, load 2% to the rate 5-9 enrolled, load 7% to the rate 2-4 enrolled, there is a 12 month wait on Major Services No ortho available QUESTIONS? Contact your Nippon Life Benefits Sales Representative TODAY! Visit our website for more information:
9 Nippon Life Insurance Company of America DENTAL RATE CARD Groups 2-9 enrolled NIPPON LIFE BENEFITS: DELIVERING INNOVATIVE EMPLOYEE BENEFITS FOR MORE THAN 25 YEARS. Nippon Life Benefits is proud to serve clients in the 2+ life marketplace and provide a full suite of benefit options: Dental, Vision, Life, and Disability. Our strength and stability is proven with an AM Best rating of A- (January 2017). We are a subsidiary of Nippon Life Insurance Company in Japan, the largest Life Insurer in Japan with over $520 billion in assets and is ranked #111 in the Global Fortune 500 (July 2017). Our foundational values are built with Harmony, Honor, and Humanity and are integrated into everything we do. Example EE ES EC EF Calculation Worksheet Tier Rate SIC Perio/Endo Participation Total Rate # Enrolled Monthly Total $30 x x 1.03 x 02 x $36.61 x 5 = $ TOTAL SIC 43xx SIC Description US Postal Service Partcipation 100% xx Restaurants 65% - 99% xx, 64xx Insurance Carriers and Agencies 60% - 64% 02 66xx, 67xx Investments and Banking 50% - 59% 57 70xx Hotels and Motels 45% - 49% 57 72xx Laundry, Photo Studios, Beauty Shops, 25% - 44% Shoe Repair, Funeral Services, Tax Returns 95xx, 96xx Financial Services 55xx Automobile Sales and Service xx Communications 83xx, 84xx Social Services Museums, Art Galleries 87xx Accounting, Publications, Engineering, Architecture, Research and Development 92xx Police, Public Protection, Fire 93xx, 94xx Taxation, Finance, Economic Programs 65xx Real Estate 78xx, 79xx Motion Pictures Entertainers, Amusements, Recreation, Sports Teams 81xx, 82xx Legal Services Education 91xx Executive and Legislation All Other 1 TO CALCULATE YOUR MONTHLY RATE 1. Using your business zip code, confirm the correct Rating Area is being used. 2. After you have chosen your plan, write Tier Rates (EE, ES, EC and FF) into column Using our SIC Code List (nature of business), insert SIC in column To modify Plan Options: Insert Perio/Endo in column 3 Insert Participation in column 4 Use 1.0 as default factor in columns 3 if not modifying Plan Options 5. Based on census, complete # Enrolled column and calculate the MonthlyTotals. NOTE: Groups without prior coverage with 2-4 enrolled, load 2%, and with 5-9 enrolled, load 7% to the rate. Dental Policy Series NP700 1 (J), et al, and Booklet Certificate Series NBD100-1 (J), et al is underwritten by Nippon Life Insurance Company of America - marketing name Nippon Life Benefits, NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 655 Third Avenue, 16th floor, NY, NY , member company of Nippon Life Insurance Company of Japan ( Nissay ). Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Nothing herein is a guarantee of benefits or eligibility. All terms, provisions, conditions, limitations and exclusions shown in your Nippon Life Insurance Company of America certificate booklet and master policy will govern. These product features are subject to change by us without notice, and may vary by state and/or market-segment. Additional underwriting rules and/or policies may also apply.
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