SI 16119 4 of 4 (6/13)
•
To help us determine your eligibility for group insurance we may request information about you from other persons and organizations. For example,
we may request information from your doctor or hospital, other insurance companies, or MIB, Inc. (MIB), formerly known as Medical Information
Bureau. We will use the authorization you signed on this form when we seek this information.
•
MIB – Information regarding your insurability will be treated as confi dential. Standard Insurance Company or its reinsurers may, however, make a
brief report thereon to MIB, a not-for-profi t membership organization of insurance companies, which operates an information exchange on behalf
of its Members. If you apply to another MIB Member company for life or health (including short and long term disability) insurance coverage, or a
claim for benefi ts is submitted to such a company, MIB, upon request, will supply such company with the information in its fi le.
Upon receipt of a request from you, MIB will arrange disclosure of any information it may have in your fi le. Please contact MIB at 866-692-
6901 (TTY 866-346-3642). If you question the accuracy of information in MIB’s fi le, you may contact MIB and seek a correction in accordance
with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB’s information offi ce is: 50 Braintree Hill Park, Suite
400, Braintree, Massachusetts 02184-8734.
Standard Insurance Company may release information in its fi le to its reinsurers, and Standard Insurance Company, or its reinsurers, may
release information in its fi le to other insurance companies to whom you may apply for life or health (including short and long term disability)
insurance, or to whom a claim for benefi ts may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.
•
DISCLOSURE TO OTHERS – The information collected about you is confi dential. We will not release any information about you without your
authorization, except to the extent necessary to conduct our business or as required or permitted by law.
• YOUR RIGHTS – You have a right to know what information we have about you in our underwriting fi le. You also have a right to ask us to correct
any information you think is incorrect. We will carefully review your request and make changes when justifi ed. If you would like more information
about this right or our information practices please write to us at Medical Underwriting, Standard Insurance Company, 900 SW Fifth Avenue,
Portland, Oregon 97204 or call 1-800-843-7979.
INFORMATION PRACTICES NOTICE
Applicant Name Social Security Number
• ARKANSAS, MAINE, OHIO: Some states require us to inform you that any person who knowingly and with intent to injure, defraud or deceive
an insurance company, or other person, fi les a statement containing false or misleading information concerning any fact material hereto
commits a fraudulent insurance act which is subject to civil and/or criminal penalties, depending upon the state. Such actions may be deemed
a felony and substantial fi nes may be imposed.
• COLORADO: It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose
of defrauding or attempting to defraud the company. Penalties may include imprisonment, fi nes, denial of insurance, and civil damages.
Any insurance company or agent of an insurance company who kindly provides false, incomplete, or misleading facts or information to the
policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or
award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.
• DISTRICT OF COLUMBIA: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any
other person. Penalties include imprisonment and/or fi nes. In addition, an insurer may deny insurance benefi ts if false information materially
related to a claim was provided by the applicant.
• KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person fi les an application for insurance
containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits
a fraudulent insurance act, which is a crime.
• LOUISIANA, NEW MEXICO: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefi t
or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fi nes and
confi nement in prison.
• MARYLAND, RHODE ISLAND: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefi t
or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fi nes and
confi nement in prison.
• NEW JERSEY: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal
and civil penalties.
• NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person fi les an application for insurance
or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact
material thereto commits a fraudulent act, which is a crime, and shall be subject to a civil penalty not to exceed fi ve thousand dollars and the
stated value of the claim for each such violation.
• PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person fi les an application for
insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning
any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
• PUERTO RICO: Any person who knowingly and with the intention to defraud includes false information in an application for insurance or fi le,
assist or abet in the fi ling of a fraudulent claim to obtain payment of a loss or any other benefi t, or fi les more than one claim for the same loss
or damage, commits a felony and if found guilty shall be punished for each violation with a fi ne of no less than fi ve thousand dollars ($5,000),
not to exceed ten thousand dollars ($10,000); or imprisoned for a fi xed term of three (3) years, or both. If aggravating circumstances exist,
the fi xed jail term may be increased to a maximum of fi ve (5) years; if mitigating circumstances are present, the jail term may be reduced to
a minimum of two (2) years.
• TENNESSEE, VIRGINIA, WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance
company for the purpose of defrauding the company. Penalties include imprisonment, fi nes, and denial of insurance benefi ts.
FRAUD NOTICE