NLB Ancillary Benefits
NLB Network Access: A Powerful National Dental Solution
NLB Dental Network Access combines the top four U.S. dental networks into one flexible, high-value solution.
Over 500,000 participating locations nationwide
Unmatched access and convenience
One seamless network experience
Dental Plan Highlights
Standard Plan
Comprehensive dental coverage that remains affordable
• Contributory options available
• Voluntary options offered Discounts are available
• Dental Discount Program: Eligibility is based on the duration with the current dental carrier and requires a minimum employer contribution of 50%.
• Bundling Discount – Progressive savings apply Packaging Discount: Progressive discounts are applied when dental coverage is bundled with one, two, or three additional lines of coverage
• We offer Usual, Customary, and Reasonable (UCR) and Maximum Allowable Charge (MAC) options for utmost flexibility
Vision Plan Highlights
Additional Discounts* Through EyeMed**
• Up to $1000 off LASIK at LasikPlus®
• $25 off with vision insurance at Target Optical®
• $50 towards glasses at Pearle Vision®
• 10% off contact lenses at ContactsDirect.com
• Up to $150 off annual supply of contact lenses at Target Optical®
Additional callouts that are standard across all plans
• Up to 40% off additional pairs - the best, most flexible in the industry
• 20% off any remaining frame balance
• 20% off any non-covered item
• 15% off any balance over the conventional contact lens allowance
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Basic Group Term Life Plan Highlights
Participation
• 75% participation required
• 100% participation is required if the benefit is totally employer-paid
Employer contribution
• 50% or more employer contribution required
Maximum Benefit
• Regardless of group size: $300,000
Guarantee Issue Amount
• 2-9 Enrolled Lives: $50,000
• 10-99 Enrolled Lives: $100,000
Age Reduction Schedule
• Options available
Waiver of Premium
• Standard
• Other options available Employees are covered as a group with no underwriting for health conditions up to guarantee issue limits
• Available in conjunction with Group Term Life, Supplemental Life and Voluntary Life
• Provides additional benefits for accidental death and certain severe accidental injuries
AD&D Plan Highlights Additional Benefit Features
• Accompaniment • Education
• Child Care • Relative Dependent Care • Coma
Repatriation Expense
Common Carrier
Criminal Assault
Seatbelt
Surgical Reattachment • Critical Burn
Travel
Disappearance
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Additional Life Plan Options
Supplemental Life
• Available in conjunction with Group Term Life
• Requires at least 5 enrollees or 25% participation, whichever is greater
• Portability option available
Voluntary Life
• Requires at least 5 enrollees or 25% participation, whichever is greater
• Portability option available
Dependent Life
• Available in conjunction with Group Term Life, Supplemental Life, and Voluntary Life
• Adds coverage for employees, spouse, and children ages 14 days to age 19 (or 25 if full-time student)
Evidence of insurability may be required.
Why Disability Coverage is Necessary
We offer an appealing benefit backed by an exceptional return-to-work claim process.
Did you know?**
• One-third of employed Americans are expected to face a disability lasting at least 90 days at some point in their working lives
• The typical disability claim lasts close to 13 months
• A large percentage (40%) of full-time workers do not have disability insurance, putting them at financial risk if they become unable to work due to health issues
Focus On Helping Employees Return to Work
Return-to-Work* programs can:
• Help injured employees return to work sooner
• Reduce the length of their absence
• Decrease the average absence by 3.6 weeks
*The Disability Insurance Advisor: https://disabilityinsuranceadvisor.com/statisticsandfactsaboutdisabilityinsurance/ **Rand Institute for Civil Justice: https://www.rand.org/content/dam/rand/pubs/working_papers/2010/RAND_WR745.pdf
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Short Term Disability Plan Highlights
Benefit Percentage
• 50%, 60%, 66 2/3%
Minimum Benefit for SDI states
• 20% with no offset
Maximum Benefit
• 2-99 Enrolled Lives: up to $2,500
Guarantee Issue Amount
• 2-9 Enrolled Lives: $1,500
• 10-99 Enrolled Lives: $2,500
Elimination Period
• 2-99 Enrolled Lives: 0/7, 7/7, 14/14 or 29/29-day
First Day Hospital (option)
• Benefits start immediately if confined as an inpatient
Other Benefit Options
• Survivor Benefit
• 24 Hour Protection
Benefit Duration
• 2-9 Enrolled Lives: 13 or 26 week
• 10-99 Enrolled Lives: 13, 26 or 52 week
Long Term Disability Plan Highlights
Benefit Percentage
• 50%, 60%, 66 2/3% options
Minimum Benefit
• 10% of gross monthly benefit or $100, whichever is greater
Maximum Benefit
• 2-9 enrolled $6,000
• 10+ enrolled $7,500
• Higher monthly maximums available with underwriting approval
Guarantee Issue Amount
• 2-9 enrolled $6,000
• 10+ enrolled $7,500
Elimination Period
• 90-day or 180-day option
Employer Portal
Manage your group plan 24 hours a day, 7 days a week
• View and download premium statements
• View benefit details
• Print temporary ID card for members
• Add, terminate, or change member eligibility
• Download all forms you need
• Review online eligibility activities
Member
Portal
Manage benefits 24 hours a day, 7 days a week
• View claim activities and benefit details
• Access the wellness portal
• Print temporary ID card for members
• View eligibility
• Download forms
• Easily access other resources
Mobile App
Access Benefits, Anytime, Anywhere
• Find a provider
• View your benefits
• View ID Card
• Message customer service
• Check claim status
