MEDICAL INFORMATION BUREAU
Did you know that you may have a medical information file?
Did you also know that you can order the file and see what
is contained in it? Below is the procedure to follow from
the Medical Information Bureau. MIB is committed to the philosophy
that every consumer should be entitled to know the contents
of his or her record maintained by MEDICAL INFORMATION BUREAU,
and to correct any inaccurate or incomplete information in
the record. This benefits both the consumer and MIB by insuring
that MIB record information is as accurate as possible. There
is a charge of $8.50 for each request for a Record Search
and Disclosure. This charge only partially covers MIBs costs
in providing Record Search and Disclosure and correction services.
MIB will waive its charge for Record Search
and Disclosure if you received a written notification of "adverse
action" from an MIB member insurance company. The notification
must name MIB as an information source, and the request for
Record Search and Disclosure must be made within 60 days of
receipt of the notification of adverse action. "Adverse
action" generally means that your application for life,
health, disability, and long term care insurance had been
denied, or that the premium had been increased as a result
of the investigation initiated by the insurance company because
of the MIB record. See
Section 615 of the Federal Fair Credit Reporting Act for specific
details.
To qualify for the waiver of the service
charge, you will need to include a copy of the letter of adverse
action that you received from the MIB member insurance company
with your request for Record Search and Disclosure. Your request
must be received within 60 days of the date of the adverse
action letter. Upon receipt of your (a) request for a Record
Search and Disclosure, and (b) proper identification, MIB
will initiate the disclosure process and provide you with:
-The nature and substance of information,
if any, that MIB may have in its files pertaining to you;
-The name(s) of the MIB member companies, if any, that reported
information to MIB; and,
-The name(s) of the MIB member companies, if any, that received
a copy of your MIB record during the twelve (12) month period
preceding your request for disclosure.
To proceed, please complete, sign and submit
your "Request for Record Search and Disclosure"
form and the appropriate payment of $8.50* (U.S. Residents
only), payable by check, money order, or credit card. Disclosure
will be made within 30 days of receipt of a completed "Request
for Record Search and Disclosure" form at offices.
REQUEST FOR RECORD SEARCH & DISCLOSURE
OF MIB RECORD INFORMATION FOR RESIDENTS OF THE UNITED STATES
OF AMERICA
Get a copy of your MIB Record, if any, by
following the these steps:
Step 1
Download a Request for Disclosure Form -html version
Step 2 Fill in the Request for Disclosure
Form completely
Step 3 Print the Request for Disclosure
Form
Step 4 Sign and mail the Request for Disclosure
Form (along with your check/money order for $8.50 if not paying
by credit card) to:
MIB, Inc.
P.O. Box 105
Essex Station
Boston, MA 02112
TEL. 617-426-3660
More information available from the Medical
Information Bureau. You may also look
up your MIB or FBI file or find records on others with Wed
Dectective.
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