Our privacy practices are part of a larger corporate commitment to respect individuals, from plan sponsors and participants, to our sales organization and our own employees. As a long-standing member of the financial services industry, we have always worked to ensure that our business practices prevent any breach of confidentiality and we work to maintain the highest standards of conduct.
When you apply to become insured under a group benefit plan administered by us, you share personal information. You may answer questions about your health, your income, and your family.
JG Benefits recognizes the sensitive nature of such information and will only use, retain and disclose your personal information in order to administer the terms of your group policies and plans, including:
We will contact you and obtain your consent if it ever becomes necessary to use your information for any other purpose.
In most cases, when you sign up for your benefit program we obtain all the information we need directly from your employer or from yourself (from the employer’s application forms, or from your enrolment form). This may include name, address, phone number, age, occupation, salary, family status and answers to basic health questions.
In some cases we may ask for additional information from the insurance industry’s MIB Group, Inc. (Medical Information Bureau), health insurance companies, licensed physicians and health care professionals or related institutions in order to determine your eligibility for coverage.
When you make a claim for benefits, we may also collect information to determine the eligibility of the claim, and the nature of the expense. We may contact you, your health care professionals or other benefit providers.
All this information will be collected with the individual’s knowledge and consent. We will make every reasonable attempt to keep this information accurate and current, and we ask that you advise us of changes in order to keep our records up-to-date. This will allow us to provide you with the best service possible.
We make every effort to ensure that the information collected from you is protected against loss and unauthorized access, whether in electronic or paper formats.
Our systems are designed to prevent unauthorized access and, within our organization, we limit access to your personal information to only those individuals who administer your group plan and benefits. Each employee in our organization has signed a confidentiality agreement further protecting your personal information.
Your personal information is kept only as long as we need it to administer your group plan and fulfill regulatory obligations. Our organization has policies and procedures in place to securely delete or physically destroy all personal information when it is no longer needed.
Lastly, we protect the confidentiality of your personal information when we deal with other persons or organizations (such as other benefit providers when settling claim payments), ensuring it is not used for any unauthorized purpose.
* Personal information includes all information about an identifiable individual but not an employee’s name, title, business address or telephone number.
We use enrolment and claim information only to administer your group benefit plan and to ensure you receive all the benefits you’re entitled to receive. As a result we may disclose your personal information to:
You may at any time ask us what information we have collected about you and why we have it. We will respond to your request within 30 days and provide you with access to the information we have on file.
Your request should be submitted to us in writing and you will be required to provide proof of your identity.
Please contact our Privacy Officer at the address below if you want to:
Privacy Compliance Officer
JG Benefits Inc.
1051 King Edward Street