Relief Efforts in Japan -- Understand the Insurance Limitations


We are getting questions from our clients about needed relief efforts in Japan and want to address a matter of critical importance: employee insurance coverage.

Companies planning group relief efforts or permitting individual leave requests to assist with the earthquake/tsunami/nuclear reactor devastations in Japan must consider whether employees who travel outside the United States will have any issues with benefits coverage -- medical, accident, dismemberment, disability, emergency evacuation, or death.

For example, if an individual has an illness or injury sustained from overseas travel to/from/while in Japan, will the group health insurance coverage be effective? Most policies and plans have limitations or exclusions regarding international coverage and specifically "dangerous activity."

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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