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Privacy Statement

At Reaves Insurance Consultants we understand that privacy is an important issue for our clients and plan participants. The following information is designed to help you understand what information we gather, and how we handle the information once we gather it.



Reaves Insurance Consultants is the Third Party Administrator of your benefits plan, contracted by your company or organization to process and/or facilitate the payment of your benefit claims. In this role, Reaves Insurance Consultants may receive personal information about you, including your name, address, e-mail address, personal identification number, social security number, home phone number, birth date, hire date, work location, annual pay, hourly pay rate, gender, termination date, hours worked, medical conditions(s), medical treatment(s) and treatment providers(s). This information is used to enroll you in benefit plans and for claim administration, including payment status. In order to carry out our role as the Third Party Administrator of your benefits plan, we may share personal information with insurance carriers, third party administrators and your company's or organization's payroll personnel and human resource systems. As described below, we do our best to ensure that the personal information you provide to us is kept confidential. Reaves Insurance Consultants will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.


When you submit information to Reaves Insurance Consultants through one of our online forms, SSL (Secure Socket Layer) encryption technology is utilized to protect the information you submit. This technology protects you from having your information used by others since it is not readable due to the encryption protection. We monitor, authorize and log traffic on our website using a firewall. We also use integrated security and SQL Server security to limit access to personal information to those who are authorized to access it. All users are required to enter user passwords and personal identification numbers and FTP transfers are encrypted using PGP technology. If you obtain a password or personal identification number from us, you should not share that information with others. Please note that your e-mail is a non-encrypted form of Internet communication and may be accessed and viewed by other Internet users without your knowledge or permission while in transit to us. Please exercise caution when using e-mail to communicate any information that you consider confidential.


A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information. Cookies are required to gain access to secured areas of the site, and can be a convenience by limiting the need for the user to enter duplicate information as they advance from page to page through the site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.



Reaves Insurance Consultants will safeguard all health care information we have in accordance with state and federal law, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA). We will not use or disclose health care information we have except as permitted by law. Beginning in April 2003, health plan beneficiaries will be entitled under HIPAA to receive a Notice of Privacy Practices from their health plan. The Notice of Privacy Practices will provide you with important information about how your health care information may be used and your rights under HIPAA. The information provided here is not intended to substitute for a Notice of Privacy Practices.



If we decide to change our privacy policy, we will post those changes on our website. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email where an email is provided, or by [regular mail]. Users will have a choice as to whether or not we use their information in this different manner. The above privacy statement is effective as of 01/31/2003. Reaves Insurance Consultants reserves the right to change this privacy statement from time to time. This privacy policy is not intended to and does not imply any contractual or other legal rights in respect to Reaves Insurance Consultants or any other party.