Re: Privacy Rights

["Ilene K. Johnson" <ikj@mindspring.com>]

You apply for individual life insurance from Company A in 1995.  You put
down on the application you had back surgery the previous year( 1994).  In
1998, you apply for individual disability insurance from Company B.  You do
not put down the back surgery, which any insurance company would want to
check out if your back problems would cause a disability.  They're looking
for discrepancies.

Your report does NOT read like an EQUIFAX  credit report.  An Equifax credit
report has all your credit cards and loans etc.  Some of these companies
report every month, some do not, only when there is a delinquency.  MIB, if
you have a report, only reports things that would affect an insurance
policy, ie depression, heart disease, back problems to name a few, and the
state of the problem .  By the way, the MIB incident  is cleared after 7
years.  That back surgery would be wiped off the record in 2001.
-----Original Message-----
From: Dynalysis of Princeton <mail@dynalysis.com>
To: Multiple recipients of list MED-PRIVACY <med-privacy@essential.org>
Date: Thursday, April 29, 1999 2:20 PM
Subject: Re: Privacy Rights


>What are the criteria that the MIB uses to detect fraud and how does this
>relate to individual healthcare reports?
>
>Ilene K. Johnson wrote:
>
>> The purpose of the MIB is to detect fraud when applying for a single
>> insurance policy
>> -----Original Message-----
>> From: Flyawaynot@aol.com <Flyawaynot@aol.com>
>> To: Multiple recipients of list MED-PRIVACY <med-privacy@essential.org>
>> Date: Thursday, April 29, 1999 11:14 AM
>> Subject: Privacy Rights
>>
>> >According to the MIB, a decision on whether  to insure you is not
supposed
>> to
>> >be based solely on the MIB report.
>> >
>> >If that is truly the case, then what is the purpose of the MIB?
>> >
>> >Kathy
>
>
>