MetLife's Consumer Privacy Notice
We will evaluate your request for coverage to see whether you are
eligible for this coverage. We will first review all of the
information furnished by you on your application form. We may confirm
or add to this information in the ways described in this notice. All
applicants are treated in a fair way.
We will tell you if we cannot give you the coverage you requested.
We will always tell you in general terms the reason for our decision.
Unless prohibited by applicable laws, we will usually provide you with
specific details regarding our decision. Otherwise, we will disclose
the information through the licensed physician you choose.
Information Collection The enrollment and statement of
health on your application form is our main source of information. To
evaluate your request properly, we may obtain additional data from
third parties about any person proposed for coverage. For example, we
- Ask you to have a medical
evaluation, which may include tests such as an electrocardiogram
- Ask physicians, hospitals, or other
medical care providers to confirm or add to the medical data you
have given us
- Obtain a report from a consumer
reporting agency. Information about this report and the rights you
have under Federal law and your state's law, if any, is provided
below. In addition, we may request information from you or from
third parties from which we will be able to draw conclusions about
your personal characteristics such as your habits or your health.
Information Maintenance and Use
We treat the information we have about you in a confidential way. We
will use it for business purposes relating to the coverage provided
under your organization's benefit plan or plans. For example, it may
be used when we evaluate any claims you submit for benefits under this
Information Disclosure In most cases, the information we
have about you will be sent to third parties only if you authorize us
to do so. For example, under the authorization which you have completed
on the application form, the information may be sent to our reinsurers
and others who perform business services for us.
In some cases where disclosure is required by law and/or is
necessary for the conduct of our business, we may send the
information to third parties without your consent. For example, it may
be given to other insurers or insurance support organizations when we
believe it may help us detect or prevent fraud or misrepresentation.
It may be disclosed to a medical professional for the purpose of
verifying insurance coverage or benefits, informing you of medical
problems which you may not know about, or for audits used to verify
information provided to us by the medical professional. The information
may also be disclosed to an insurance regulatory authority or to a law
enforcement or other governmental authority when we believe it is
necessary to protect our interests, or to prevent or prosecute fraud
against us, or if we believe that illegal activities have been
conducted by you. This information may also be used for the purpose of
conducting actuarial or research studies or to our affiliate in
connection with an audit of our company or the marketing of an
insurance product or service. This information can also be provided to
your organization for the purposes of reporting claims experience or if
your organization requests an audit of our company.
Access and Correction of Information Upon your written
request, we will make the information we have about you available to
you. Medical information will be provided to you or disclosed through
the licensed physician you choose or as otherwise required by law.
We will also permit you to see and copy such information pertaining
to you or to obtain a copy of such information by mail, whichever you
prefer. We will also disclose to you the identity of any third party to
which we have disclosed this information within the past two years. If
our files do not reflect the identity of third parties to whom we have
disclosed this information, we will inform you of the identity of third
parties to whom we normally disclose such information.
If you feel that the information in our files is wrong or
incomplete, you may let us know and if we agree with you, we will
correct, amend, or delete the portion of the information which you
dispute. If we do not agree with you, we will notify you of our
refusal to make this correction, amendment or deletion, the reasons
for our refusal and your right to file a statement of dispute with
If we correct, amend, or delete the information as you request, we
will notify you and we will furnish the correction, amendment, or
deletion to any person who you specifically designate who may have
received the information within the preceding two years, or any
organization that furnished the corrected, amended, or deleted
information to us, or to any third party whose primary source of
information is insurance companies if the third party has received
information from us within the preceding seven years.
If you choose to file a statement of dispute with us, you may
provide us with a statement setting forth the information which you
think is correct, relevant or fair, or a statement of the reasons why
you disagree with our refusal to correct, amend, or delete the disputed
information. We will file your statement with the disputed information
and provide a means by which anyone viewing the disputed information
will be made aware of your statement and have access to it. In
addition, in any subsequent disclosure by us of the disputed
information, we will clearly identify the matter or matters in dispute
and provide your statement along with the information being disclosed.
Finally, we will furnish your statement to any third party to whom we
would provide a correction, amendment, or deletion of information as
Consumer Reports MetLife may ask an independent source to
confirm and add to the information which you have provided in your
application. This report is known as a consumer report. Upon your
request, we will inform you whether or not we requested a consumer
report in connection with your application and if such a report was
requested, we will provide you with the name and address of the
consumer reporting agency that furnished the report to us. The
information obtained from a consumer report may be retained by the
consumer reporting agency and disclosed to other parties.