Representations

Written statements by an individual applying for insurance about health history, family health history, occupation, and other personal information that must be substantially correct. Such representations are fraud only if they pertain to an insurance risk and were made with the intent to deceive.

Representative payee

Individual appointed to represent someone who receives Social Security or Supplemental Security Income (SSI) and cannot handle his or her own financial affairs. A representative payee is required to maintain complete accounting records and periodically provide reports to Social Security.

Required by law

Under the Health Insurance Portability and Accountability Act (HIPAA), mandate contained in law that compels a covered entity to make use or disclosure of protected health information and that is enforceable in a court of law such as court orders and subpoenas.