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Privacy Notice
 

The MEMIC Group, including Maine Employers’ Mutual Insurance Company, and its designated affiliates, is dedicated to providing you with the finest products to serve your workers’ compensation and related employer insurance needs.  We are providing this Privacy Notice to help you and injured workers understand how we collect, disclose and safeguard Nonpublic Personal Information (“NPPI”). 


Information We Collect

We collect NPPI by using investigative techniques permitted by law, including database searches, surveillance, and interviews. In administering a claim, we may gather the vital statistics, medical history, employment and educational background regarding an injured worker.  We also gather NPPI from the following sources:

  • Information we receive from you and injured workers on applications and other forms; 
  • Information about your transactions with us, our affiliates and others; and
  • Information about injured workers transactions with us, our affiliates and others.


Information We Disclose

We do not disclose NPPI to non-affiliated third parties except as permitted or required by applicable law.  For example, in the course of our general business practices we may disclose all of the NPPI that we collect (as described above) to our affiliates and the following types of persons for the reasons described:

  • Third parties to perform a business, professional, or insurance function for us;
  • An insurance support organization to perform a function in connection with an insurance transaction;
  • Insurance regulatory authorities, law enforcement, or other governmental entities to prevent or prosecute fraud; and
  • Third parties when you request it or give us permission to do so.

 
If in the future we choose to disclose NPPI to non-affiliated entities other than as described above, e.g., to allow those third parties to market their products and services, we will provide you and injured workers with the right to opt-out of such disclosures to the extent required by applicable law.  If you reside in Vermont or California we will not disclose your NPPI to non-affiliated entities, other than as described above unless you have opted-in to such disclosures, if required by applicable law.


Our Security Procedures

We use a variety of physical, technical and administrative safeguards designed to protect NPPI from unauthorized access, use and disclosure.  We strive to protect NPPI but must advise you that no system of safeguards is absolutely secure. Therefore, we cannot guarantee the confidentiality of NPPI.  


Consumer Reports

During the course of processing your applications or administering your account, we may request a consumer report from an outside party.  Please be advised that the information contained in this report may be retained by the outside party and disclosed to other persons. 


Review and Correction of Personal Information

An individual has a right to access the NPPI about him/her in our records, except for certain documents related to claims and lawsuits. If an individual believes that the information we have about him/her in our records is incomplete or inaccurate, he/she should notify us at once and we will investigate and endeavor to correct any errors that we find.  To request access to NPPI or to alert us to inaccuracies, please write to us at the address below. 


Contact Us

If you have any questions about this Privacy Notice, please contact us.  You can call us directly at 1-800-660-1306. 


You can also write to us at:

The MEMIC Group
Director of Risk Management
261 Commercial Street
Portland, ME 04104


Updated November 11, 2015