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IDENTITY THEFT

Identity theft has become a serious problem. If you want information on preventing identity theft and what to do if you are a victim of identity theft you should refer to the web site of the Federal Trade Commission (www.ftc.gov/id theft)

REPLACEMENTS

In most cases the replacing of existing life or annuity insurance is not in the best interests of the consumer. You need to make a careful comparison of your existing coverage and the proposed coverage. You should ask the company or agent of the company that sold you your existing policy for information and advice regarding the proposed replacement. In some cases you may be able to modify your current policy to meet your current needs. If you do decide to replace coverage you should not discontinue your current policy until you receive the new policy.

STATE INSURANCE DEPARTMENTS

If you have the need to contact your state insurance department you can find information regarding contacting them on the web site of the National Association of Insurance Commissioner (www.naic.org).

NATIONAL ASSOCIATION OF INSURANCE COMMISSIONS

The NAIC web site has useful information and consumer guides which can be of help to consumers (www.naic.org).

U.S. DEPARTMENT OF HEALTH & HUMAN SERVICES

This site provides useful information regarding diseases and condition, drug and food information, disasters and emergencies, etc. (www.hhs.gov).

STATE TOPICS

PENNSYLVANIA - Act 83 of 2005, provides for the extension of health insurance coverage in certain circumstances. To qualify for this extension you must:

  • Be a member of the Pennsylvania National Guard or a reserve Component of the Armed Forces of the United States.
  • Be ordered to active federal duty or state active duty (other than active duty for training) for 30 or more consecutive days.
  • Be a full-time student (15 or more credit hours or equivalent) at an approved institution of higher learning.
  • Be eligible for coverage under your parents' health insurance program at the time you are ordered to active duty.
  • Not be eligible because of your age for coverage under your parents' health insurance program after your active duty tour.
  • Re-enroll as a full-time student for the first term or semester beginning 60 or more days after your release from active duty.
If you meet these eligibility criteria, you may qualify to extend your coverage under your parents' health insurance program while you are a full-time student for a period equal to your active duty tour or to the date you are no longer a full-time student, if sooner. To qualify you must submit three forms to your parents' insurer:

  • Notification to Insurer of Placement of Active Duty (DMVA Form 83-1)
  • Notification to Insurer of Completion of Active Duty (DNVA Form 83-2)
  • Notification to Insurer of Re-Enrollment as Full-Time Student (DMVA form 83-3)

These forms are available in .pdf format online at www.dmva.state.pa.us