| A | B |
|---|
| Superintendent Responsibilities | Power to prescribe, withdraw or amend insurance regulations that are not inconsistent with New York Insurance Laws, the Superintendent also has the power to: Govern all duties assigned to the members of the staff of the Department of Financial Services; Prescribe forms and create regulations; Interpreting the provisions of the New York Insurance Code; Governing the procedures to be followed in the procedures of the Department. |
| Independent Adjuster | Acts on behalf of an insurer |
| Public Adjuster | Acts on behalf of an insured |
| Licensing Requirements | 1) 18 years of age 2) Fingerprinting 3) No license will be issued to a convicted felon or to an individual who has been involved in an offense involving fraudulent or dishonest practices, 4) Affidavits from 5 reputable citizens who have known the applicant for at least five years 5) pass the state licensing exam, 6) maintain a $1,000 surety bond |
| Controlled business | Business an agent sells on himself, his family or employees and an agent that sells only this will have their license revoked or suspended |
| Affiliate | Any company that controls, is controlled by, or is under common control with another company |
| Clear and conspicuous | A notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice |
| Collect | To obtain information that the licensee organizes or can retrieve by the name of an individual or by identifying number, symbol or other identifying particular assigned to the individual, irrespective of the source of the underlying information. |
| Company | A corporation, limited liability company, business trust, general or limited partnership, association, sole proprietorship or similar organization |
| Consumer | An individual who, in this State, seeks to obtain, obtains or has obtained an insurance product or service, directly or through a legal representative, from a licensee that is to be used primarily for personal, family, or household purposes, and about whom the licensee has nonpublic personal information. |
| Control | Ownership |
| Customer | A consumer who has a customer relationship with a licensee |
| Customer relationship | A continuing relationship between a consumer and a licensee under which the licensee provides one or more insurance products or services in this State to the consumer that are to be used primarily for personal, family, or household purposes. |
| Financial institution | Any institution the business of which is engaging in activities that are financial in nature or incidental to such financial activities as described in the Bank Holding Company Act of 1956 (12 U.S.C. 1843(k)). |
| Financial product or service | Any product or service that a financial holding company could offer by engaging in an activity that is financial in nature or incidental to such a financial activity under the Bank Holding Company Act of 1956. Financial service includes a financial institution's evaluation or brokerage of information that the financial institution collects in connection with a request or an application from a consumer for a financial product or service. |
| Health care | Preventive, diagnostic, therapeutic, rehabilitative, maintenance, or palliative care, services, procedures, tests or counseling that relates to the physical, mental or behavioral condition of an individual; or affects the structure or function of the human body or any part of the human body, including the banking of blood, sperm, organs, or any other tissue; or prescribing, dispensing, or furnishing to an individual drugs or biologicals, or medical devices or health care equipment and supplies |
| Health care provider | A physician or other health care practitioner licensed, accredited or certified to perform specified health services consistent with state law, or a health care facility |
| Health information | Any information or data except age or gender, whether oral or recorded in any form, created by or derived from a health care provider or consumer relating to: the past, present or future physical, mental or behavioral health or condition of any individual or a member of the individual's family; the provision of health care to any individual; or payment for the provision of health care to any individual |
| Insurance product or service | Any product or service that is offered by a licensee pursuant to the Insurance Laws of this state. Insurance service includes a licensee's evaluation, brokerage or distribution of information that the licensee collects in connection with a request or an application from a consumer for an insurance product or service. |
| Licensee | A person licensed, or required to be licensed, or authorized, or required to be authorized, or registered, or required to be registered pursuant to the Insurance Law of this State; a health maintenance organization holding, or required to hold, a certificate of authority, or an unauthorized insurer in regard to the excess line business conducted pursuant to state law; but shall not include a registered service contract provider, charitable annuity society, or a licensed viatical settlement company or viatical settlement broker. |
| Nonaffiliated third party | Any person except: A licensee's affiliate; or a person employed jointly by a licensee and any company that is not the licensee's affiliate |
| Nonpublic personal information | nonpublic personal financial information and nonpublic personal health information. |
| Nonpublic personal financial information | Personally identifiable financial information; and any list, description or other grouping of consumers (and publicly available information pertaining to them) that is derived using any personally identifiable financial information other than publicly available information |
| Nonpublic personal health information | Health information: that identifies an individual who is the subject of the information; or with respect to which there is a reasonable basis to believe that the information could be used to identify an individual |
| Opt Out | A direction by a consumer that the licensee not disclose nonpublic personal financial information about the consumer to a nonaffiliated third party |
| Personally identifiable financial information | Any information: A consumer provides to a licensee to obtain an insurance product or service from the licensee; About a consumer resulting from a transaction involving an insurance product or service between a licensee and a consumer; or A licensee otherwise obtains about a consumer in connection with providing an insurance product or service to that consumer |
| Publicly available information | Any information that a licensee has a reasonable basis to believe is lawfully made available to the general public from: Federal, state, or local government records; Widely distributed media; or Disclosures to the general public that are required to be made by Federal, state or local law |
| Anterior | Front (head) of an individual |
| Anteroposterior | From head end to opposite end of body |
| Appendage | A structure that extends (and can move separately) from the main body |
| Contralateral | On the opposite side |
| Deep | Further away from the surface |
| Distal | The tip of an appendage |
| Dorsal | Back (spine) of an individual |
| Dorsoventral | From spinal column (back) to abdomen (front). |
| Intermediate | Between two other structures |
| Ipsilateral | On the same side |
| Lateral | A directional term used as a modifier for both the left and right sides of the body |
| Median | Point in the center of the body |
| Mediolateral | From center of the body to one side or the other. |
| Parietal | Pertaining to the wall of a body cavity |
| Posterior | Tail of an individual |
| Proximal | Describes where an appendage joins the body |
| Proximodistal | From the tip of an appendage to where it joins the body |
| Superficial | Near the outer surface |
| Ventral | Abdomen of an individual |
| Visceral | Associated with organs within the body’s cavities |
| Abduction | A motion that pulls a structure or part away from the midline of the body |
| Adduction | A motion that pulls a structure or part towards the midline of the body. |
| Circumduction | The circular movement of a body part, such as a ball-and-socket joint or the eye. |
| Dorsiflexion | Flexion of the entire foot, as if taking one’s foot off an automobile pedal. |
| Extension | A straightening movement that increases the angle between body parts |
| External (or Lateral) Rotation | A rotation of the shoulder or hip that would turn the toes or the flexed forearm outwards. |
| Flexion | Bending movement that decreases the angle between two parts |
| Internal (or Medial) Rotation | A rotation of the shoulder or hip that would point the toes or the flexed forearm inwards. |
| Opposition | A motion involving a grasping motion of the thumb and fingers |
| Plantar flexion | Flexion of the entire foot, as if pressing an automobile pedal. Occurs at ankle |
| Pronation | A rotation of the forearm that moves the palm to a facing down position |
| Protrusion | The anterior movement of an object. This term is often applied to the jaw |
| Protraction | Anterior movement of the arms at the shoulders |
| Reposition | To release an object by spreading the fingers and thumb |
| Retraction | Posterior movement of the arms at the shoulders |
| Retrusion | Opposite of protrusion, moving a part posteriorly |
| Rotation | A motion that occurs when a part turns on its axis. The head rotates on the neck |
| Supination | A rotation of the forearm that moves the palm to a facing up position |
| Laboratory Tests | Tests performed in a medical laboratory including blood test and urine tests. |
| Radiography (X-ray) | The making of film records (radiographs) of internal structures of the body by passage of x-rays or gamma rays through the body to act on specially sensitized film. |
| Magnetic Resonance Imaging (MRI) | A test that provides pictures of organs and structures inside the body by using a magnetic field and pulses of radio wave energy |
| Computerized Tomography | A special radiographic technique that uses a computer to assimilate multiple x-ray images into two dimensional cross-sectional images. This can reveal many soft tissue structures not shown by conventional radiography |
| Electromyography (EMG) | A test which measures muscle response to nerve stimulation |
| Nerve Condition Studies | Measure how well individual nerves can transmit electrical signals |
| Myelography | A diagnostic procedure where a radiopaque contrast dye is injected into |
| Arthroscopy | The introduction of a thin fiber optic scope into a joint space to allow direct visualization of internal structures |
| Electrocardiogram (EKG) | The recording of the electrical activity of the heart on a moving strip of paper |
| Electroencephalography (EEG) | The recording of the electric currents developed in the brain, by means of electrodes applied to the scalp, to the surface of the brain or placed within the substance of the brain |
