Non-Public Personal Information

Non-public personal information is information that identifies an individual or could be used to identify an individual and includes both personal financial information, such as payment history, policy number and social security number; and personal health information, such as medical history, medical records, and claims.

Source of Information

It is necessary for the Central Illinois Carpenters Health and Welfare Trust Fund and its Administrator to collect personal information in order to accurately identify you, service your account, and administer its normal business operations.  Some of the sources from which information is gathered are you, your application, transactions that you conduct with us or our administrator and health care providers.

Disclosure of Information

The Central Illinois Carpenters Health and Welfare Trust Fund or its Administrator may disclose this information to non-affiliated third parties, as permitted by law, in order to administer its business functions.  Some examples of these functions are claims administration, underwriting, reinsurance, rate development and utilization management.  The types of non-affiliated third parties to which the Plan or its Administrator may disclose information may include, but are not limited to, the Central Illinois Carpenters Health and Welfare Trust Fund program’s pharmacy benefit manager, utilization manager, preferred provider organizations, persons that provide actuarial services, a government agency or other organization pursuant to an audit of the records, claims investigators and medical consultants.

There will be no disclosure of your personal financial information to non-affiliated third parties (except as permitted by law), unless you first are offered an opportunity to “opt-out” of such disclosure, or unless you provide a written authorization, as may be required by applicable state law.

There will be no disclosure of your personal health information to non-affiliated third parties (except as permitted by law), unless you first provide a written authorization.

Non-public personal information regarding a spouse or dependent children will be disclosed to the covered employee (or the covered former employee) in the form of an explanation of benefits when a claim is processed.

Security

The Central Illinois Carpenters Health and Welfare Trust Fund and its administrator maintain procedural and electronic safeguards to protect the confidentiality of the non-public personal information that it obtains.  Access to personal information is restricted to only those employees and service providers who need this information to provide products and service to you.  The Central Illinois Carpenters Health and Welfare Trust Fund program and its Administrator will continue to abide by this policy even when a customer relationship no longer exists.

Revision of the Privacy Notice