Claim-related data have the same security and privacyrequirements as any other personal information. The need to protectthis data is only becoming greater, and not necessarily due tospecific Health Insurance Portability and Accountability Act orGramm-Leach-Bliley Act implications.

Many states are passing even more wide-ranging privacy anddisclosure laws than HIPAA or GLBA. Practically every day, we hearabout theft or loss of personal information from financialinstitutions, schools, government, and consumer data services, suchas Choicepoint. These targets share something with insurers: theycollect a great deal of information about people in a singleplace.

The Internet is a target-rich environment, offering con artistsease and volume. Fraud over the Internet is anonymous and can takeplace from anywhere.

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