Privacy Policy for Members

When we issue an insurance policy to a member, we need to obtain and maintain information about the individual that we are insuring. We need this information in order to provide our members with the most effective service. We share your concerns about privacy and consider this information confidential. Therefore, we have taken steps to protect your personal information. This policy explains what information we collect, with whom we share it and how you may request that we do not share certain information with other parties. The practices described in this policy are applicable to current and former members who have insurance policies issued by us, or are otherwise associated with us.

Information we collect and sources of information: We receive most information directly from you as part of the application process. If we need to verify information or require additional information, we may obtain such information from third parties, including: adult family members, employers, other insurers or societies, consumer reporting agencies, physicians, hospitals and other medical personnel. Information obtained from a report prepared by an insurance-support organization, such as the Medical Information Bureau (MIB), may be retained by that organization and disclosed to other persons or organizations. The types of information collected may relate to your finances, employment, health, avocations or other personal characteristics or to other transactions with us. Any information that we collect about you will be contained in our policy records. We will refer to and use this information to issue and service your insurance policy, evaluate benefit claims, and to process transactions requested by you.

Who has access to this information: We do not sell member information or medical information, nor do we share it with any companies, societies or organizations outside of our organization that would use that information to contact you about their own products or services. If this practice changes, we will offer you the ability to opt out of this type of information sharing, allowing time for you to respond before the change or practice takes place.

We may, however, use member information to communicate with you about products, features, and options you have expressed an interest in or that we believe may be of interest to you. We may, without your authorization, but only as permitted or required by law, provide member information to persons or organizations both inside and outside of our society to fulfill a transaction you have requested, service your policy, market our products to you, investigate and/or handle claims, detect and/or prevent fraud, or to participate in insurance support organizations. These may include companies that perform marketing services on our behalf, other financial institutions with which we have a joint-marketing agreement for the sale of our own products, and your independent agent.

If we are required to disclose information in connection with civil or criminal litigation, subpoena, or to prevent fraud, we must comply with such laws or rules that require us to do so, but such instances are uncommon.

Security and confidentiality of your information: When we share member information with companies or organizations working on our behalf, we expect those companies to use that information only to provide the services we have asked them to perform, as permitted by law. Within our organization, we have established physical, electronic and procedural safeguards to protect member information. All employees (or people working on our behalf and under confidentiality agreements) may access member information only when appropriate to do so and to fulfill and service our members’ needs.

Your rights to access and correct your information: Generally, upon receipt of your written request, we will make available personal information in your files pertaining to you (except for certain documents maintained in connection with, or in anticipation of, any claim or legal proceeding, which will not be made available). If you notify us that the information is incorrect, we will review it and, if we agree, we will correct our records. If we do not agree, you may file a written statement with us describing the information that you are disputing. We will send the correction or statement to anyone who received or will receive the original information. If you have questions about the right of access to or correction of your personal information, you may write to us at: UCT, 1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215-8619.

Additional Information: In addition to any other privacy notice we may provide, federal and state laws have established new privacy standards and require us to provide this summary of our privacy policy to you annually. No action is required of you as a result of this notice. You may have additional rights under other applicable laws. For additional information regarding our privacy policy, please contact us at the above address or at our Web site at www.uct.org.