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Victims of Domestic Violence and Endangered Individuals

Confidentiality Protocols for Victims of Domestic Violence and Endangered Individuals

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In accordance with NYS Insurance Regulation 168, Confidentiality Protocols for Victims of Domestic Violence and Endangered Individuals, you may submit a request to keep your address and telephone number confidential, by providing NYCM Insurance with proof of a valid order of protection. You can also provide us with an alternate address, telephone number or other method of contact.

Requests must be mailed to:

Regulatory and Legal Affairs Division
NYCM Insurance
1899 Central Plaza East
Edmeston NY 13335

New York State Domestic and Sexual Violence Hotline:

English & Español/Multi-language Accessibility: 1-800-942-6906

Deaf or Hard of Hearing: 711

In NYC: 1-800-621-HOPE (4673) or dial 311
TTY: 1-866-604-5350


Insurance Law section 2612

INSURANCE LAW -- CHAPTER 28 OF THE CONSOLIDATED LAWS...Article 26 -- UNFAIR CLAIM SETTLEMENT PRACTICES; OTHER MISCONDUCT; DISCRIMINATION

Discrimination based on being a victim of domestic violence

(a) No individual, insurer or entity subject to the supervision of the superintendent shall solely because a person is or has been a victim of domestic violence:

(1) refuse to issue or renew, deny or cancel any insurance policy or contract;

(2) demand or require a greater premium or payment from any person;

(3) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced;

(4) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy.

(b) The fact that a person is or has been a victim of domestic violence is not a permitted underwriting criterion.

(c) For the purposes of this section, the following terms shall be defined as:

(1) "victim of domestic violence" shall be as defined by subdivision one of section four hundred fiftynine-a of the social services law.

(2) "insurer" shall mean an insurer, a corporation organized pursuant to article forty-three of this chapter, a municipal cooperative health benefit plan established pursuant to article forty-seven of this chapter, a health maintenance organization certified pursuant to article forty-four of the public health law or a provider issued a special certificate of authority pursuant to section four thousand four hundred three-a of such law, or an agent, representative or designee thereof regulated pursuant to this chapter.

(3) " policy " shall mean a policy of insurance issued pursuant to this chapter, a child health insurance plan issued pursuant to title one-A of article twenty-five of the public health law or medical assistance or health care services provided pursuant to title eleven or eleven-D of article five of the social services law.

(d) The prohibitions contained in subsection (a) of this section shall not preclude an insurer from takingany of the actions described in subsection (a) of this section so long as such insurer relies onunderwriting criteria reasonably related to the physical or mental condition of a person, their propertyor claim history and the decision was based on sound underwriting and actuarial principles reasonablyrelated to actual or anticipated loss experience. In such case the selection criteria permitted must bebased on such principles. The insurer shall notify the insured of its specific reason or reasons for suchdecision.

(e) An insurer that complies with subsections (a), (f) and (g) of this section and acts reasonably and ingood faith shall not be subject to civil or criminal liability on account of compliance with suchsubsections.

(f) If any person covered by an insurance policy issued to another person as the policyholder delivers tothe insurer that issued the policy, at its home office, a valid order of protection against thepolicyholder, issued by a court of competent jurisdiction in this state, the insurer shall be prohibitedfor the duration of the order from disclosing to the policyholder the address and telephone number ofthe insured, or of any person or entity providing covered services to the insured. If a child is thecovered person, the right established by this subsection may be asserted by, and shall also extend to,the parent or guardian of the child. The superintendent, in consultation with the commissioner ofhealth and the office of children and family services and the office for the prevention of domesticviolence, shall promulgate rules to guide and enable insurers to guard against the disclosure of theaddress and location of an insured who is a victim of domestic violence.

(g) If any person covered by a group insurance policy delivers to the insurer that issued the policy, atits home office, a valid order of protection against another person covered by the group policy, issuedby a court of competent jurisdiction in this state, the insurer shall be prohibited for the duration of theorder from disclosing to the person against whom the valid order of protection was issued the addressand telephone number of the insured person covered by the order of protection, or of any person orentity providing covered services to the insured person covered by the order of protection. If a child isthe covered person, the right established by this subsection may be asserted by, and shall also extendto, the parent or guardian of the child. The superintendent, in consultation with the commissioner ofhealth, the office of children and family services and the office for the prevention of domesticviolence, shall promulgate rules to guide and enable insurers to guard against the disclosure of theaddress and location of an insured who is a victim of domestic violence.

(h)(1) For purposes of this subsection:

(A) "Claim related information" means all claim or billing information relating specifically to an insured,subscriber or person covered by an insurance policy or contract issued by the health insurer.

(B) "Health insurer" means an insurer licensed to write accident and health insurance or salaryprotection insurance in this state, a corporation organized pursuant to article forty-three of thischapter, a municipal cooperative health benefit plan established pursuant to article forty-seven of thischapter, a health maintenance organization certified pursuant to article forty-four of the public healthlaw or a provider issued a special certificate of authority pursuant to section four thousand fourhundred three-a of such law, or an agent, representative or designee thereof regulated pursuant to thischapter.

(2)(A) A health insurer shall accommodate a reasonable request by a person covered by an insurancepolicy or contract issued by the health insurer to receive communications of claim related informationfrom the health insurer by alternative means or at alternative locations if the person clearly states thatdisclosure of all or part of the information could endanger the person.

(B) If a child is covered by an insurance policy or contract issued by the health insurer, then the child'sparent or guardian may make a request to the health insurer pursuant to subparagraph (A) of thisparagraph.

(3) A health insurer may require: a person to make a request pursuant to paragraph two of thissubsection in writing; the request to contain a statement that disclosure of all or part of the claimrelated information to which the request pertains could endanger the person or child; and thespecification of an alternative address, telephone number or other method of contact.

(4) With respect to an insurer authorized to write accident and health insurance in this state, thissubsection shall apply only to a policy of accident and health insurance or a policy of salary protectioninsurance, as defined in subsection (a) of section one thousand one hundred thirteen of this chapter.

(5) Nothing in this subsection shall prevent, hinder, or otherwise affect the entry of an appropriateorder made in the best interests of a child by a court of competent jurisdiction adjudicating disputedissues of child welfare or custody.

(6) Except with the express consent of the person making a request pursuant to subparagraph (A) ofparagraph two of this subsection, a health insurer shall not disclose to the policyholder (i) the address,telephone number, or any other personally identifying information of the person who made the requestor child for whose benefit a request was made; (ii) the nature of the health care services provided; or(iii) the name or address of the provider of the covered services.

(7) A health insurer that makes reasonable and good faith efforts to comply with this subsection shallnot be subject to civil or criminal liability on the ground of non-compliance with this subsection.

(8) The superintendent, in consultation with the commissioner of health, the office of children andfamily services and the office for the prevention of domestic violence, shall promulgate rules to guidehealth insurers in guarding against the disclosure of the information protected pursuant to thissubsection.