Privacy and Claims Policy
Privacy Policy
The Joint Retirement Board for Conservative Judaism (“the JRB”) wants you to know how we address privacy issues on the JRB web site at www.jrbcj.org (the "Site"). The JRB provides the privacy policy below to explain how your personal information will be treated by the JRB. The JRB reserves the right to amend this privacy policy at any time. Please check back frequently in order to see changes, and your use of the Site constitutes your acceptance of the privacy policy, as it may be amended from time to time.
1. Collection and Use of Personal Information from Site Users
The JRB collects personal information from visitors/participants (collectively, "Users") through the enrollment form on the Site. This information is used to provide information about the JRB’s programs to interested Users, to administer each User's account, and to inform Users about new features on the Site. The enrollment form requires users to provide the JRB with contact information (name, employer, address, phone number and e-mail address).
The information provided during the enrollment process is not made publicly available under any circumstances, nor does the JRB share, trade, rent or sell any of the information to others. However, the JRB may be obliged to disclose the personal information if required by law, to comply with any legal process served on the JRB or this Site, or to protect the rights, property and safety of the JRB, our Users, or others. The JRB may also transmit personal information provided by a User to a successor-in-interest to the JRB’s organization or its other material assets.
2. Security Measures
The JRB endeavors to create a secure and reliable site for Users; however, the confidentiality of any communication or material transmitted to/from the JRB via the Site or e-mail cannot be guaranteed. Accordingly, the JRB is not responsible for the security of information transmitted via the Internet.
3. Access to and Ability to Correct Personal Data
Upon request via postal mail, e-mail, or telephone, the JRB will provide to Users a summary of any personally identifiable information retained by the JRB regarding the User. Users may modify, correct, change or update personally identifiable information that the JRB has collected through the Site or may cause their personal record to be removed from the JRB’s database by contacting the JRB via postal mail, e-mail, or the telephone number indicated below.
4. Links
The Site may contain links to other Internet web sites. However, the JRB does not endorse, and is not responsible for, the privacy practices or the content of these web sites. Users should review third party privacy policies in connection with visiting the Sites.
5. The JRB’s Right to Change Privacy Policy
The JRB may change the content of our Site and Privacy Policy at any time. Please revisit our Privacy Policy from time to time to be sure you are familiar with our current policy.
Claims Policy
As the plan administrator, the JRB has sole and absolute discretion and authority to interpret the terms of the plan, resolve ambiguities and inconsistencies, and make all decisions regarding eligibility and/or entitlement to participation in or benefits under the plan.
If you believe you have not received the benefit to which you are entitled to under the terms of the plan, you may file a claim with the JRB. Your claim will be evaluated by the JRB (or its delegate) and a response will be provided within 90 days. The 90-day period begins on the date the claim is first filed. This period may be extended to 180 days under special circumstances. You’ll be notified within the initial period of the circumstances requiring the extension and the date by which the JRB expects to make a decision.
You (or an authorized representative) will have at least 60 days after receiving notice of an adverse benefit determination to file an appeal with the JRB. To file an appeal, you should: (1) submit a request for review, in writing, to the JRB; and (2) submit written comments, documents, records, and other information relating to the claim to the JRB. The JRB will make a full and fair review of the claim and all new information submitted whether or not it was presented or available at the initial determination, and may require additional documents as it deems necessary or desirable in making such a review. A final decision on the review will be made within 60 days following receipt of the written request for review. This period may be extended an additional 60 days under special circumstances. If special circumstances require an extension for processing, you’ll be notified of the reasons for the extension and the date by which the plan expects to make a decision. If an extension is required due to your failure to submit the information necessary to decide the claim, the notice of extension will specifically describe the necessary information and the date by which you need to provide it to the JRB. The 60-day extension of the appeal review period will begin after you’ve provided that information.
Upon completion of the administrative appeals process, you may contest the JRB’s decision by submitting it to arbitration within twelve (12) months of receipt of your denial. You must submit your claim to an arbitrator selected by you and the JRB from a list supplied by JAMS, Inc. (JAMS), in accordance with JAMS’ procedures for selection of arbitrators. The arbitration will be conducted in accordance with the JAMS Employment Arbitration Rules and Procedures and will be subject to the JAMS Policy on Employment Arbitration Minimum Standards of Procedural Fairness. The arbitrator’s authority is limited to agreeing with or reversing the JRB’s decision on review. Arbitration is the exclusive means for contesting the JRB’s decision on review. No legal action may be brought in any court and the arbitrator’s decision is final and binding on all parties. The arbitrator’s decision may be enforced in any court of competent jurisdiction. By participating in the plan, you agree to waive your right to commence, be a party to, recover from, and/or be an actual or putative member or representative of any class, collective, or representative action arising out of or relating to any claim, dispute, or controversy arising out of or relating to the plan.
Contact Information
If you have any questions regarding our privacy or claims policy or you would like to review and/or change your personal information, you may contact us at:
E-mail: staff@jrbcj.org
Telephone: 888-JRB-FREE (888-572-3733)
Mailing address: The Joint Retirement Board, One Penn Plaza, Suite 1515, New York, NY 10119