Navigator Benefit Solutions, LLC
Leading the way to better benefits.
Legal Disclaimer
  • Is Self-funding
    Right for You?

  • Actuarial Value Calculator
    Online Version of 2014 HHS Excel Spreadsheet

  • nAValCulatorTM
    for Android

  • Products and Services Not Provided Directly by Navigator Benefit Solutions LLC

    "AURA®" is a registered trademark, licensed for use by Navigator Benefit Solutions LLC (NBSLLC). Products and services are not provided directly by Navigator Benefit Solutions LLC, but rather by other organizations with which NBSLLC has business arrangements (or offered by other organizations with which NBSLLC-related companies in turn have business arrangements). These organizations may or may not have a license agreement to AURA®, the Navigator Plan, or other intellectual property. The NBSLLC website uses the Daylife API but is not endorsed or certified by Daylife.

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    Product Descriptions

    The product descriptions, if any, provided on are not intended to constitute offers to sell or solicitations in connection with any products or services. For example, NBSLLC does not solicit, sell, issue, nor accept applications for health insurance.

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    Links to Other Sites

    While visiting, you may leave the NBSLLC Web site and access certain non-NBSLLC Web sites. NBSLLC neither reviews nor controls the content and accuracy of these Web sites, and therefore will not be responsible for their content and accuracy. Your access to non-NBSLLC Web sites is at your sole risk.

    Other Web sites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other Web sites at your own discretion.

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    General Disclaimer

    All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, NBSLLC does not warrant that access to or any of its pages will be uninterrupted or error free. NBSLLC does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

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    Viruses, Worms, Use of Files

    NBSLLC cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. NBSLLC does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will NBSLLC be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate copyright holder which in many cases may be NBSLLC.

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    Health Information

    Any health information on this Web site is provided by NBSLLC solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. NBSLLC assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this site. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely on information on this site as a tool for self-diagnosis.

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    There are references throughout to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.

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    Message Boards, Blogs, and Chat Rooms

    It is a condition of your use of Message Boards, Blogs, or Chat Rooms that you do not: (i) post or transmit any unlawful, threatening, abusive, libelous, defamatory, racial, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law; (ii) post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments or engage in disruptive activity online, including excessive use of scripts, sound waves, scrolling (repeating the same message over and over), or use viruses, worms or Trojan horses; (iii) post or transmit any information, software or other material which violates or infringes the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works without first obtaining permission from the owner; (iv) post or transmit any information, software or other material which contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties; (v) post any information, software, or other material for commercial purposes; (vi) solicit other users to join or contribute money to any online service or other organization, advocate or attempt to get users to join in legal or illegal schemes; (vii) impersonate any person or entity or falsely represent your professional or other affiliation with any person or entity; or (viii) use to collect personally identifiable information in violation of our Privacy Policy. You agree NBSLLC, at its sole and absolute discretion, shall determine whether any information transmitted or received violates this provision.

    You agree to indemnify and hold NBSLLC and its employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any material you contribute to Message Boards, Blogs, or Chat Rooms you access via

    You understand that NBSLLC has no obligation to monitor Message Boards, Blogs, or Chat Rooms. NBSLLC reserves the right at all times to disclose any information regarding the Message Boards, Blogs, or Chat Rooms, or to remove any information or materials, in whole or in part, that in NBSLLC's sole and absolute discretion are objectionable. You acknowledge that NBSLLC reserves the right to monitor any and all information transmitted or received through which may be examined, recorded, copied, and used in accordance with our Privacy Information Policy. Use of constitutes consent to such activity by NBSLLC.

    When using, please be certain that anything you disclose does not compromise your personal safety. Do not provide your name, phone number, social security number or any other personally identifying information to people you do not know. Do not continue any conversation online that makes you feel uncomfortable.

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    Limitation of Liability

    You agree by accessing that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will NBSLLC be liable for damages of any kind occurring from the use of this web site or any information, goods or services obtained on this web site including direct, indirect, consequential, incidental, or punitive damages (even if NBSLLC has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.

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    Calculations and Investment Decisions

    Financial and Savings calculators\calculations are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment, financial planning, or health insurance decisions. Do not rely solely on financial and savings calculators\calculations or financial or retirement information found on

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    Minors and the Children's Online Privacy Protection Act

    Except as expressly stated upon initial access to a specific NBSLLC web site or section of such site, does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act.

    If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of; and (iii) the consequences of any use.

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    The Digital Millennium Copyright Act

    NBSLLC reserves the right, but not the obligation, to terminate your access to if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringing. NBSLLC and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. NBSLLC has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

    Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:
    • A signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.
    • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
    • Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material.
    • Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address.
    • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.
    If you choose to access from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from to a foreign national or foreign country in violation of those laws.

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    Changes and Applicable Law

    We reserve the right to make changes to and our Legal Disclaimer/Conditions of Use. We encourage you to review the Web site and these terms periodically for any updates or changes. Your continued access or use of shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of and purchases of products from will be governed by and construed in accordance with the laws of Pennsylvania, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and will be brought exclusively in a federal or state court of competent jurisdiction sitting in Philadelphia, Pennsylvania. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

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