Notice Of Privacy Practices for NonPublic Personal Information (GrammLeach-Bliley and State Laws)
Nippon Life Insurance Company of America (Nippon Life Benefits) is committed to protecting the information you share with us and is required by law to maintain the privacy of your personally identifiable information. The types of personal information that we collect and share depend on the product or service you have with us. This information may include medical and/or financial information, e.g., your social security number, your date of birth, and health data.
This privacy statement will explain the type of information we collect, how we use that information, and how we protect that information for all of our members.
HOW WE COLLECT INFORMATION
We collect data about you as we do business with you. Our claims adjudication processes require that we obtain information. Some of the sources of this data are as follows.
• Information we obtain when you apply for enrolled for products or services: you may provide facts such as your name, address, social security number, salary, and, when applicable, medical history.
• Information we obtain from others: This may include claim reports, medical records, and other information provided by your employer.
• Information we obtain through our transactions and experience with you: This includes information through claims submitted to our company from healthcare providers.
• Information we obtain through the internet: This includes data from online forms you complete. It also includes data we collect when you visit our website.
HOW WE SHARE INFORMATION
We may use your information for certain purposes, including account administration operations.
CLAIM PAYMENT:
The most common example of how we use or disclose your information is to pay claims for covered services or to provide eligibility information to your providers when you receive treatment.
HEALTHCARE OPERATIONS
Nippon Life Benefits may use or disclose your information for activities like:
• Underwriting, premium rating, or other activities relating to the creation or renewal of insurance contracts (when allowable by law).
• Quality assessment and improvement activities, such as peer review and credentialing of providers
• Care and Disease management activities
• Data and information systems management
BUSINESS ASSOCIATES
In the course of doing business, we may share nonpublic personally identifiable financial information with third parties that we hire to assist in the administration of your benefits. These third parties are called ‘Business Associates’, and they have both an independent obligation to protect your privacy as well as being required to agree in writing in a Business Associate Agreement with us to protect and maintain the confidentiality and security of your information.
WITH OTHERS
Non-public personal information (NPI) may be shared with others for the following reasons. This could include personal information about you or beneficiaries:
• In response to a subpoena
• To prevent fraud, to comply with inquiries from government agencies or other regulators,
• With other companies, with your consent or at your request
• As permitted by law
BREACH NOTIFICATION
Notice Of Privacy Practices for Non-Public Personal Information (Gramm-Leach-Bliley and State Laws)
The GLBA Safeguards Rule, which took effect on May 13, 2024, mandates that financial institutions under the jurisdiction of the Federal Trade Commission (FTC) report data breaches involving the unauthorized acquisition of unencrypted customer information affecting 500 or more individuals. 16 CFR §314 et seq. Pursuant to the law, we will report qualifying data breaches to the FTC within 30 days of discovery of the breach.
ACCESS TO RECORDED PERSONAL INFORMATION
Upon your written request, we will provide you with access to your recorded personal information, which can be reasonably locatable and retrievable within 30 days of the request.
WE PROTECT THE INFORMATION WE COLLECT ABOUT YOU
We follow strict standards to safeguard personal information. These standards include limiting access to data and regularly testing our security technology.
ACCURACY OF INFORMATION
We strive for accurate records. Please tell us if you receive any incorrect materials from us. We will make the appropriate changes.
You may write to us if you have questions about our Privacy Notice. Contact our Privacy Officer at:
Nippon Life Benefits Compliance Department 666 Third Avenue, Suite 2201 New York, NY 10017-9113
Customer Service Contact Information:
1-800-374-1835 (English)
1-800-971-0638 (Japanese)
1-800-827-8713 (Korean)