Unum has reviewed the Standards for Privacy of Individually Identifiable Health Information promulgated by the Department of Health and Human Services (HHS) pursuant to HIPAA and is complying with these regulations for impacted products. Most health plans that are covered by the regulations were required to comply with the new requirements by April 14, 2003.

Please note that the majority of Unum's products are exempt from HIPAA mandates. For example, Long Term Disability, Short Term Disability, Life, Supplemental Disability, Accident and Critical Illness coverages are excluded from the HIPAA privacy regulations. However, certain products are covered including Long Term Care and various "medical" plans such as Cancer policies (hereafter, "covered products").

For Long Term Care and other products covered under the HIPAA privacy regulations, Unum has amended numerous service provider (business associate) contracts, developed and distributed privacy notices to covered policyholders, and revised our application and claim authorizations for those products impacted by the privacy regulations. We are also using HIPAA authorizations during our underwriting and claims processes for products not covered by HIPAA to facilitate collection of health information from health care providers who are covered by HIPAA.

• Producer FAQs about the contract amendments mandated by HIPAA.
• HIPAA Privacy Notice sent to Unum customers covered by Long-Term Care, Cancer Assistance, certain medical coverages and other health plans.
• FAQs about the HIPAA privacy notice.

For more information about HIPAA, please contact Unum's Privacy Officer at the address below:

Privacy Officer
Unum Group
2211 Congress Street, M385
Portland, ME 04122

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