Social Insurance Programs:

• Health Insurance
  Covers employees and their dependents for non-work related sickness and injuries
  
• Welfare Pension Insurance
  Provides employees and their dependents with old age benefits, extended disability payments and survivors' pension benefits
  
• Employment Insurance
  Provides terminated employees with unemployment benefits and assistance
  
• Workers' Compensation Insurance
  Provides benefits to employees for work-related sickness, injury and disability

Long-Term Disability Insurance
Coverage conditions = 24 hour on or off-the-job
Benefit percentage = 60%
Monthly max = JPY1,000,000
Elimination period 180 days (period of time prior to start of LTD payments)
Benefit period to age 60

Vision Care
Coverage available in Japan utilizing non-network providers

• Claims do not have to be translated
• Indicate in English what service was for
• The conversion rate used is based on the date of service