Connecticut Insurance Information and Privacy Protection Act

What this document is

Connecticut General Statutes Chapter 705 - Connecticut Insurance Information and Privacy Protection Act (Secs. 38a-975 through 38a-999a) is a state statute published by Connecticut General Assembly (cga.ct.gov). It is one of the Connecticut documents that insurance license exam questions are written from, including connecticut life & health, connecticut property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Conn. Gen. Stat. Chapter 705 § 38a-983(c) (Access to recorded personal information: medical-record information)

  “Medical-record information supplied by a medical-care institution or medical professional and requested under subsection (a) of this section, together with the identity of the medical professional or medical-care institution which provided such information, shall be supplied either directly to the...”

• Conn. Gen. Stat. Chapter 705 § 38a-985 (Insurer to provide its reasons for adverse underwriting decisions)

  “in the event of an adverse underwriting decision, the insurance institution or agent responsible for the decision shall: (1) Either provide the applicant, policyholder or individual proposed for coverage with the specific reason for the adverse underwriting decision in writing or advise such person...”

• Conn. Gen. Stat. Chapter 705 § 38a-976(4) (Definitions, Applicant)

  ““Applicant” means any person who seeks to contract for insurance coverage other than a person seeking group insurance that is not individually underwritten.”

• Conn. Gen. Stat. Chapter 705 § 38a-988(1) (Disclosure limitations and conditions)

  “An insurance institution, agent or insurance-support organization shall not disclose any personal or privileged information concerning an individual collected or received in connection with an insurance transaction unless the disclosure is: (1) Made with the written authorization of the individual,...”

• Conn. Gen. Stat. Chapter 705 § 38a-995(a)-(b) (Individual remedies)

  “(a) If an insurance institution, agent or insurance-support organization fails to comply with section 38a-983 , 38a-984 or 38a-985 with respect to the rights granted under those sections, any person whose rights are violated may bring an action for equitable relief. (b) An insurance institution,...”

• Conn. Gen. Stat. Chapter 705 § 38a-982(a) (Investigative consumer reports: advance notice of interview and copy rights)

  “No insurance institution, agent or insurance-support organization shall prepare or request an investigative consumer report pertaining to an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, reinstatement or a change in insurance...”

• Conn. Gen. Stat. Chapter 705 § 38a-979(a) (Notice of Insurance Information Practices)

  “An insurance institution or agent shall provide a notice of information practices to all applicants or policyholders in connection with insurance transactions as provided in this section: (1) In the case of an application for insurance, (A) at the time of the delivery of the insurance policy or...”

• Conn. Gen. Stat. Chapter 705 § 38a-978 (Use of Pretext Interviews)

  “No insurance institution, agent or insurance-support organization shall use or authorize the use of a pretext interview to obtain information in connection with an insurance transaction; except it may be used to obtain information from a person or institution that does not have a recognized...”

• Conn. Gen. Stat. Chapter 705 § 38a-984(c) (Correction, amendment or deletion: individual's statement of disagreement)

  “Whenever an individual disagrees with an institution's, agent's or organization's refusal to correct, amend or delete recorded personal information, the individual shall be permitted to file with the institution, agent or organization: (1) A concise statement specifying what the individual believes...”

• Conn. Gen. Stat. Sec. 38a-977(a) (Applicability. Exceptions)

  “The obligations imposed by sections 38a-975 to 38a-998 , inclusive, shall apply to those insurance institutions, agents or insurance-support organizations which, on or after October 1, 1982: (1) In the case of life, health or disability insurance: (A) Collect, receive or maintain information in...”

• Conn. Gen. Stat. Sec. 38a-981(a)(7) (Content of disclosure authorization forms)

  “(7) specifies the length of time such authorization shall remain valid, which shall be not longer than: (A) In the case of authorizations signed for the purpose of collecting information in connection with an application for an insurance policy, a policy reinstatement or a request for a change in...”

Practice this material

Questions about this source

More Connecticut sources

• Conn. Gen. Stat. Ch. 700c - Health InsuranceState statute
• Conn. Gen. Stat. Ch. 701a - Insurance Producers, Agents and Third-Party AdministratorsState statute
• Conn. Gen. Stat. Chapter 702 - LicensingState statute
• Conn. Gen. Stat. Ch. 704 - Unfair and Prohibited Practices (Unfair Insurance Practices Act)State statute
• Connecticut General Statutes Chapter 698a - Health Care and Related Service Groups (Secs. 38a-175 through 38a-225)State statute
• Connecticut General Statutes Chapter 699 - Insurance Contracts in General (Secs. 38a-283 through 38a-291)State statute
• Connecticut General Statutes Chapter 699a - Readable Language in Insurance Policies (Secs. 38a-295 through 38a-300)State statute
• Connecticut General Statutes Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements (Secs. 38a-430 through 38a-465q)State statute