Privacy
When you apply to become insured under a group benefit plan administered by us, you
share personal information. You may answer questions about your health, your
income, and your family. We recognize the sensitive nature of such information and
will only use, retain and disclose your personal information in order to administer the
terms of your group policies and plans such as confirming your eligibility for insurance coverage, benefits and services.
We will contact you and obtain your consent if it ever becomes necessary to use your information for any other purpose.
COLLECTING YOUR PERSONAL INFORMATION
In most cases, when you sign up for your benefit program we obtain all the information we need directly from your employer or from yourself (from the employer’s application forms, or from your enrollment form). This may include name, address, phone number, age, occupation, salary, family status and answers to basic health questions.
All this information will be collected with the individual’s knowledge and consent. We will make every reasonable attempt to keep this information accurate and current, and we ask that you advise us of changes in order to keep our records up-to-date. This will allow us to provide you with the best service possible.
PROTECTING YOUR PERSONAL INFORMATION
We make every effort to ensure that the information collected from you is protected against loss and unauthorized access, whether in electronic or paper formats.
Your personal information is kept only as long as we need it to administer your group plan. We protect the confidentiality of your personal information when we deal with other persons or organizations (such as other benefit providers when requesting comparative quotations), ensuring it is not used for any unauthorized purpose.
DISCLOSING YOUR PERSONAL INFORMATION
We use enrollment and claim information only to administer your group benefit plan and to ensure you receive all the benefits you’re entitled to receive. As a result we may disclose your personal information to:
- insurance companies and service providers providing benefits under your group
contract,
- physicians or other health care institutions for the purpose of determining
coverage eligibility, and processing and adjudicating your claims,
- your authorized representatives, such as individuals with Power of Attorney
YOUR PERSONAL INFORMATION
You may at any time ask us what information we have collected about you and why we have it. |
