Privacy Policy
The information listed below is to advise you of the privacy policy of the Central Illinois Carpenters Health and Welfare Trust Fund, and to help you understand the types of non-public personal information that it collects about you, how that information is collected, and to whom that information is or may be disclosed.
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
The Trustees of the Central Illinois Carpenters Health and Welfare Trust Fund reserve the right to revise the privacy procedures at any time. If a change is made, you will be provided with a revised Privacy Notice within 60 days of the effective date of the change.