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HIPAA Privacy Notice

THE WESTERN AND SOUTHERN LIFE INSURANCE COMPANY NOTICE OF PRIVACY PRACTICES EFFECTIVE DATE OF THIS NOTICE: APRIL 14, 2003

This is your health information privacy notice from The Western and Southern Life Insurance Company (“Western & Southern Life”). We are required by law to provide this notice to you in accordance with the new Health Insurance Portability and Accountability Act (“HIPAA”). Please read it carefully. You have received this notice because of your critical illness or cancer insurance coverage with us.

Western & Southern Life and each member of Western & Southern Financial Group strongly believe in protecting the confidentiality and security of information we collect about you. This notice refers to Western & Southern Life by using the terms “us”, “we”, or “our”. We are continuing to maintain and strengthen our protection of your private health information.

This notice describes how we protect the personal health information we have about you which relates to your Western & Southern Life critical illness or cancer insurance coverage and how we use and disclose this information. Personal health information includes individually identifiable information, which relates to your past, present or future health, treatment or payment for health care services. This notice also describes your rights with respect to the personal health information and how you can exercise those rights.

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How We May Use and Disclose Health Information About You

The following categories describe different ways that we use and disclose health information.

For Payment
We may use or disclose health information about you to determine eligibility for plan benefits, obtain customer payment for benefits, process and pay your claims, and administer plan responsibility for benefits. For example, payment functions may include reviewing submitted claims or determining whether a treatment is covered under your plan.

For Health Care Operations
We may use and disclose health information about you to administer necessary activities related to your coverage. For example, setting rates, conducting assessments and improvement activities; reviewing your treatment, fraud and abuse detection, and general administration.

Health-Related Benefits And Services
We may use or disclose health information about you to communicate to you about health-related benefits and services. For example, we may communicate to you about health-related benefits and services that add value to, but are not part of, your health plan.

Personal Representatives
We may use or disclose health information about you when dealing with individuals involved in your care or the payment for your care. For example, we may disclose health information to an individual who has legal authority to make health care decisions on your behalf.

Research
We may use or disclose health information about you for research purposes. If we do, Western & Southern Life may be required to obtain an authorization from you for such use or disclosure.

Other categories describing how we may use and disclose your health information are listed below, along with an example. Not every use or disclosure in a category will be listed.

As Required By Law
For example, when required in a litigation proceeding such as a malpractice action and/or as required by federal or state statute or regulation.

To Avert A Serious Threat To Health Or Safety
For example, to prevent or lessen a serious and imminent threat to the health or safety of a person or the general public.

Military And Veterans
For example, if required by military command authorities.

Worker’s Compensation
For example, to comply with workers’ compensation or similar laws.

Public Health Risks
For example, to prevent or control disease, report child abuse, and domestic violence.

Health Oversight Activities
For example, to help health agencies during audits, investigations or inspections.

Lawsuits And Disputes
For example, in the course of any administrative or judicial proceeding.

Law Enforcement
For example, to identify or locate a suspect or to comply with a court order, a court-ordered warrant or a subpoena or summons issued by an officer of the court.

National Security And Intelligence Activities
For example, for military, national security, prisoner and government benefit purposes.

When Western & Southern Life May Not Use Or Disclose Your Health Information

Western & Southern Life will use or disclose your health information only as described in this Notice. It is not necessary for you to do anything to allow us to disclose your health information as described here. If you want us to use or disclose your health information for another purpose, you must authorize us to do so; you may revoke your authorization in writing at any time. If you revoke your authorization, we will no longer be able to use or disclose health information about you for the reasons covered by your written authorization, though we will be unable to take back any disclosures we have already made with your permission.

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Your Rights Regarding Health Information About You

You have the following rights regarding health information we maintain about you:

Your Right To Inspect And Copy Your Health Information
To inspect and copy such information, you must submit your request in writing. If you request a copy of the information, we may charge you a reasonable fee to cover expenses associated with your request.

Your Right To Amend Incorrect Or Incomplete Information
You may request that Western & Southern Life change your health information, although we are not required to do so. If your request is denied, we will provide you with information about our denial and how you can dispute the denial. To request an amendment, you must make your request in writing. You must also provide a reason for your request.

Your Right To An Accounting Of Disclosures Made By Western & Southern Life
You may request an accounting of disclosures made for purposes of payment functions or health care operations or made to you, although Western & Southern Life is not required to do so. You must submit your request in writing. Your request should specify a time period of up to six years and may not include dates before April 14, 2003. Western & Southern Life will provide one list per 12-month period free of charge; we may charge you for additional lists.

Your Right To Request Restrictions On Uses And Disclosures
Although you have this right, Western & Southern Life is not required to agree to the restrictions that you request. If you would like to make a request for restrictions, you must submit your request in writing.

Your Right To Request Confidential Communications Through A Reasonable Alternative Means Or At An Alternative Location
To request confidential communications, you must submit your request in writing. We are not required to agree to your request.

Your Right To A Paper Copy Of This Notice
To obtain a paper copy of this Notice, please send us a written request. You may also print out a copy of this Notice from this Web page.

If you would like to have a more detailed explanation of these rights or if you would like to exercise one or more of these rights, please send us a written request at the address listed below. You can also call our Client Relationship Center at 1.866.832.7719 or send us an e-mail.
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Changes To This Notice

Western & Southern Life can amend this Notice at any time in the future and make the new Notice effective for all health information that we maintain. We will promptly revise our Notice and distribute it to you whenever we make significant changes. Until then, Western & Southern Life is required by law to comply with the current version of this Notice.

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Complaints

Complaints about this Notice or about how we handle your health information should be submitted in writing. If you believe your privacy rights have been violated, you may file a complaint with the Secretary of the Department of Health and Human Services. We support your right to protect the privacy of your personal health information. You will not be penalized in any way if you choose to file a complaint with us or with the Department of Health and Human Services.

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Send all written requests regarding this Privacy Notice to:

Privacy Office

The Western and Southern Life Insurance Company

400 Broadway

Cincinnati, OH 45202

If you would like to speak with a Client Relationship Representative, please call us at 1.866.832.7719 or send us an e-mail.

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Last Updated: 11/3/2017