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Association Member Trust SM EMPLOYEE HEALTH CARE PLAN
Association Member TrustAssociation Member Trust NOTICE OF PRIVACY PRACTICES

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Association Member TrustAssociation Member Trust THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND
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Association Member TrustAssociation Member Trust       The Association Member Trust Employee Health Care Plan (the “Plan”) is required by law to take reasonable steps to ensure the privacy of your personally identifiable health information and to inform you about:

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  • the Plan's uses and disclosures of Protected Health Information (“PHI”);
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  • your privacy rights with respect to your PHI;
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  • the Plan's duties with respect to your PHI;
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  • your right to file a complaint with the Plan and to the Secretary of the U.S. Department of Health and Human Services; and
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  • the person or office to contact for further information about the Plan's privacy practices.
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Association Member TrustAssociation Member Trust       The term “Health Information” (“PHI”) includes all individually identifiable health information transmitted or maintained by the Plan, regardless of form (oral, written, electronic).

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Association Member TrustAssociation Member Trust       This notice applies uniformly to all benefits available under the Plan.

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Association Member TrustAssociation Member Trust Section 1. Notice of PHI Uses and Disclosures

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Association Member TrustAssociation Member Trust Required PHI Uses and Disclosures
Association Member TrustAssociation Member Trust       Upon your request, the Plan is required to give you access to certain PHI in order to inspect and copy it. Use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate or determine the Plan’s compliance with the privacy regulations.

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Uses and Disclosures to Carry Out Treatment, Payment and Health Care Operations.
Association Member TrustAssociation Member Trust       The Plan and its business associates will use PHI without your consent, authorization or opportunity to agree or object to carry out treatment, payment and health care operations. The Plan also will disclose PHI to the Plan Sponsor, Association Member Trust, for purposes related to treatment, payment and health care operations. The Plan Sponsor has amended its plan documents to protect your PHI as required by federal law.
Association Member TrustAssociation Member Trust       Treatment is the provision, coordination or management of health care and related services. It also includes but is not limited
Association Member TrustAssociation Member Trust to consultations and referrals between one or more of your providers. For example, the Plan may disclose to a treating orthodontist the name of your treating dentist so that the orthodontist may ask for your dental X-rays from the treating dentist.
Association Member TrustAssociation Member Trust       Payment includes but is not limited to actions to make coverage determinations and payment (including billing, claims management, subrogation, plan reimbursement, reviews for medical necessity and appropriateness of care and utilization review and preauthorizations). For example, the Plan may tell a doctor whether you are eligible for coverage or what percentage of the bill will be paid by the Plan.
Association Member TrustAssociation Member Trust       Health care operations include but are not limited to quality assessment and improvement, reviewing competence or qualifications of health care professionals, underwriting, premium rating and other insurance activities relating to creating or renewing insurance contracts. It also includes disease management, case management, conducting or arranging for medical review, legal services and auditing functions including fraud and abuse compliance programs, business planning and development, business management and general administrative activities. For example, the Plan may use information about your claims to refer you to a disease management program, project future benefit costs or audit the accuracy of its claims processing functions.

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Uses and Disclosures that Require Your Consent
Association Member TrustAssociation Member Trust       If you decline to provide consent for the use of your PHI for treatment, payment and health care operations you will not be enrolled in the Plan.

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Association Member TrustAssociation Member Trust Uses and Disclosures that Require Your Written Authorization
Association Member TrustAssociation Member Trust       Your written authorization generally will be obtained before the Plan will use or disclose psychotherapy notes about you from your psychotherapist. Psychotherapy notes are separately filed notes about your conversations with your mental health professional during a counseling session. They do not include summary information about your mental health treatment. The Plan may use and disclose such notes when needed by the Plan to defend against litigation filed by you.

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Uses and Disclosures that Require that You be Given an Opportunity to Agree or Disagree Prior to the Release
Association Member TrustAssociation Member Trust       Disclosure of your PHI to family members, other relatives, and your close personal friends is allowed if:

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  • the information is directly relevant to the family or friend's involvement with your care or payment for that care; and
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  • you have either agreed to the disclosure or have been given an opportunity to object and have not objected.
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Uses and Disclosures for Which Consent, Authorization or Opportunity to Object is Not Required
Association Member TrustAssociation Member Trust       Use and disclosure of your PHI are allowed without your consent, authorization or request under the following circumstances:

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  2. When required by law.
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  4. When permitted for purposes of public health activities, including when necessary to report product defects, to permit product recalls and to conduct post-marketing surveillance. PHI may also be used or disclosed if you have been exposed to a communicable disease or are at risk of spreading a disease or condition, if authorized by law.
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  6. When authorized by law to report information about abuse, neglect or domestic violence to public authorities if there exists a reasonable belief that you may be a victim of abuse, neglect or domestic violence. In such a case, the Plan will promptly inform you that such a disclosure has been or will be made unless that notice would cause a risk of serious harm. For the purpose of reporting child abuse or neglect, it is not necessary to inform the minor that such a disclosure has been or will be made. Disclosure may generally be made to the minor’s parents or other representatives although there may be circumstances under federal or state law when the parents or other representatives may not be given access to the minor’s PHI.
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  8. The Plan may disclose your PHI to a public health oversight agency for oversight activities authorized by law. This includes uses or disclosures in civil, administrative or criminal investigations; inspections; licensure or disciplinary actions (for example, to investigate complaints against providers); and other activities necessary for appropriate oversight of government benefit programs (for example, to investigate Medicare or Medicaid fraud).
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  10. The Plan may disclose your PHI when required for judicial or administrative proceedings. For example, your PHI may be disclosed in response to a subpoena or discovery request provided certain conditions are met. One of those conditions is that satisfactory assurances must be given to the Plan that the requesting party has made a good faith attempt to provide written notice to you, and the notice provided sufficient information about the proceeding to permit you to raise an objection and no objections were raised or were resolved in favor of disclosure by the court or tribunal.
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  12. When required for law enforcement purposes (for example, to report certain types of wounds).
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  14. For law enforcement purposes, including for the purpose of identifying or locating a suspect, fugitive, material witness or missing person. Also, when disclosing information about an individual who is or is suspected to be a victim of a crime but only if the individual agrees to the disclosure or the covered entity is unable to obtain the individual’s agreement because of emergency circumstances. Furthermore, the law enforcement official must represent that the information is not intended to be used against the individual, the immediate law enforcement activity would be materially and adversely affected by waiting to obtain the individual’s agreement and disclosure is in the best interest of the individual as determined by the exercise of the Plan’s best judgment.
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  16. When required to be given to a coroner or medical examiner for the purpose of identifying a deceased person, determining a cause of death or other duties as authorized by law. Also, the disclosure is permitted to funeral directors, consistent with applicable law, as necessary to carry out their duties with respect to the decedent.
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  18. The Plan may use or disclose PHI for research, subject to conditions.
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  20. When consistent with applicable law and standards of ethical conduct if the Plan, in good faith, believes the use or disclosure is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public and the disclosure is to a person reasonably able to prevent or lessen the threat, including the target of the threat.
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  22. When authorized by and to the extent necessary to comply with workers’ compensation or other similar programs established by law. Except as otherwise indicated in this notice, uses and disclosures will be made only with your written authorization subject to your right to revoke such authorization.
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Association Member TrustAssociation Member Trust Section 2. Rights of Individuals

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Association Member TrustAssociation Member Trust Right to Request Restrictions on PHI Uses and Disclosures
Association Member TrustAssociation Member Trust       You may request the Plan to restrict uses and disclosures of your PHI to carry out treatment, payment or health care operations, or to restrict uses and disclosures to family members, relatives, friends or other persons identified by you who are involved in your care or payment for your care. However, the Plan is not required to agree to your request.
Association Member TrustAssociation Member Trust       The Plan will accommodate reasonable requests to receive communications of PHI by alternative means or at alternative locations. You or your personal representative will be required to complete a form to request restrictions on uses and disclosures of your PHI. Such requests should be made to the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.

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Right to Inspect and Copy PHI
Association Member TrustAssociation Member Trust       You have a right to inspect and obtain a copy of your PHI contained in a “designated record set,” for as long as the Plan maintains the PHI.
Association Member TrustAssociation Member Trust       “Protected Health Information” (“PHI”) includes all individually identifiable health information transmitted or maintained by the Plan, regardless of form.
Association Member TrustAssociation Member Trust       “Designated Record Set” includes the medical records and billing records about individuals maintained by or for a covered health care provider; enrollment, payment, billing, claims adjudication and case or medical management record systems maintained by or for a health plan; or other information used in whole or in part by or for the covered entity to make decisions about individuals.
Association Member TrustAssociation Member Trust Information used for quality control or peer review analyses and not used to make decisions about individuals is not in the designated record set.
Association Member TrustAssociation Member Trust       The requested information will be provided within thirty (30) days if the information is maintained onsite or within sixty (60) days if the information is maintained offsite. A single thirty (30) day extension is allowed if the Plan is unable to comply with the deadline.
Association Member TrustAssociation Member Trust       You or your personal representative will be required to complete a form to request access to the PHI in your designated record set. Requests for access to PHI should be made to the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.
Association Member TrustAssociation Member Trust       If access is denied, you or your personal representative will be provided with a written denial setting forth the basis for the denial, a description of how you may exercise those review rights and a description of how you may complain to the Secretary of the U.S. Department of Health and Human Services.

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Association Member TrustAssociation Member Trust Right to Amend PHI
Association Member TrustAssociation Member Trust       You have the right to request the Plan to amend your PHI or a record about you in a designated record set for as long as the PHI is maintained in the designated record set. The Plan has sixty (60) days after the request is made to act on the request. A single thirty (30) day extension is allowed if the Plan is unable to comply with the deadline. If the request is denied in whole or part, the Plan must provide you with a written denial that explains the basis for the denial. You or your personal representative may then submit a written statement disagreeing with the denial and have that statement included with any future disclosures of your PHI.
Association Member TrustAssociation Member Trust       Requests for amendment of PHI in a designated record set should be made to the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.
Association Member TrustAssociation Member Trust       You or your personal representative will be required to complete a form to request amendment of the PHI in your designated record set. The Plan will require individuals to make requests for amendment in writing and to provide a reason to support a requested amendment, provided that it informs individuals in advance of such requirements.

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Association Member TrustAssociation Member Trust The Right to Receive an Accounting of PHI Disclosures
Association Member TrustAssociation Member Trust       At your request, the Plan will also provide you with an accounting of disclosures by the Plan of your PHI during the six years prior to the date of your request. However, such accounting need not include PHI disclosures made: (1) to carry out treatment, payment or health care operations; (2) to individuals about their own PHI; or (3) prior to the compliance date. If the accounting cannot be provided within sixty (60) days, an additional thirty (30) days is allowed if the individual is given a written statement of the reasons for the delay and the date by which the accounting will be provided. If you request more than one accounting within a twelve (12) month period, the Plan will charge a reasonable, cost-based fee for each subsequent accounting.

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Association Member TrustAssociation Member Trust The Right to Receive a Paper Copy of This Notice Upon Request
Association Member TrustAssociation Member Trust       To obtain a paper copy of this Notice contact the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.

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Association Member TrustAssociation Member Trust A Note About Personal Representatives
Association Member TrustAssociation Member Trust       You may exercise your rights through a personal representative. Your personal representative will be required to produce evidence of his/her authority to act on your behalf before that person will be given access to your PHI or allowed to take any action for you. Proof of such authority may take one of the following forms:

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  • a power of attorney for health care purposes, notarized by a notary public;
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  • a court order of appointment of the person as the conservator or guardian of the individual; or
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  • an individual who is the parent of a minor child.
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      The Plan retains discretion to deny access to your PHI to a personal representative to provide protection to those vulnerable people who depend on others to exercise their rights under these rules and who may be subject to abuse or neglect. This also applies to personal representatives of minors.

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Association Member TrustAssociation Member Trust Section 3. The Plan’s Duties

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Association Member TrustAssociation Member Trust       The Plan is required by law to maintain the privacy of PHI and to provide individuals with notice of its legal duties and privacy practices. This notice is effective beginning April 13, 2003, and the Plan is required to comply with the terms of this notice. However, the Plan reserves the right to change its privacy practices and to apply the changes to any PHI received or maintained by the Plan prior to that date. If a privacy practice is changed, a revised version of this notice will be provided to all participants and beneficiaries for whom the Plan still maintains PHI. This notice will be sent to participants and beneficiaries by regular mail.
Association Member TrustAssociation Member Trust       Any revised version of this notice will be distributed within sixty (60) days of the effective date of any material change to the uses or disclosures, the individual’s rights, the duties of the Plan or other privacy practices stated in this notice.

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Association Member TrustAssociation Member Trust Minimum Necessary Standard
Association Member TrustAssociation Member Trust       When using or disclosing PHI or when requesting PHI from another covered entity, the Plan will make reasonable efforts not to use, disclose or request more than the minimum amount of PHI necessary to accomplish the intended purpose of the use, disclosure or request, taking into consideration practical and technological limitations.
Association Member TrustAssociation Member Trust       However, the minimum necessary standard will not apply in the following situations:

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  • disclosures to or requests by a health care provider for treatment;
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  • uses or disclosures made to the individual;
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  • disclosures made to the Secretary of the U.S. Department of Health and Human Services;
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  • uses or disclosures that are required by law;
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  • uses or disclosures that are required for the Plan's compliance with legal regulations.
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      This notice does not apply to information that has been de-identified. De-identified information is information that does not identify an individual and with respect to which there is no reasonable basis to believe that the information can be used to identify an individual. De-identified information is not individually identifiable health information.
Association Member TrustAssociation Member Trust       In addition, the Plan may use or disclose "summary health information" to the plan sponsor for obtaining premium bids or modifying, amending or terminating the group health plan, which summarizes the claims history, claims expenses or type of claims experienced by individuals for whom a plan sponsor has provided health benefits under a group health plan; and from which identifying information has been deleted in accordance with HIPAA.

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Association Member TrustAssociation Member Trust Section 4. Your Right to File a Complaint With the Plan or the HHS Secretary

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Association Member TrustAssociation Member Trust       If you believe that your privacy rights have been violated, you may complain to the Plan in care of the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.
Association Member TrustAssociation Member Trust       You may file a complaint with the Secretary of the U.S. Department of Health and Human Services, Hubert H. Humphrey Building, 200 Independence Avenue S.W., Washington, D.C. 20201. The Plan will not retaliate against you for filing a complaint.

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Association Member TrustAssociation Member Trust Section 5. Whom to Contact at the Plan for More Information

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Association Member TrustAssociation Member Trust       If you have any questions regarding this notice or the subjects addressed in it, you may contact the following officer: Harvey I. Mishkin, Privacy Official, Association Member Trust, P.O. Box 506, Short Hills, NJ 07078; (973) 379-1090.

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Association Member TrustAssociation Member Trust Conclusion

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Association Member TrustAssociation Member Trust       PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. This notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this notice and the regulations.

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636 Morris Turnpike, Suite 2A
Short Hills, New Jersey 07078

Phone: 973-379-1090
Fax: 973-379-3658
E-Mail: info@amt-nj.com

 

Follow us:

Below you'll find our company directory by Association. If you do not know which Association you belong to, or are looking to become a member of Association Member Trust SM, please call (973) 379-1090 for assistance.

Clicking on an Employees name below will bring you to a form where you can send them an email message.

Association Member Trust Company Directory

Association - Administration Department Contact Name Ext.
Air Conditioning Contractors of America - Northern NJ Maria Masaoy 234
Fuel Merchants Association of NJ Karen Starrick 226
Greater Metropolitan Furnishings Association Maria Masaoy 234
Independent Electrical Contractors Karen Starrick 226
Irrigation Association of NJ Maria Masaoy 234
NJ Builders Association Motecha Sanders 228
NJ Business & Industry Association Deborah Wesch 237
NJ Dental Association Maria Masaoy 234
NJ Gasoline C-Store Automotive Association Motecha Sanders 228
NJ Landscape Contractors Association Karen Starrick 226
NJ Building Material Dealers Association Motecha Sanders 228
NJ Motor Truck Association Karen Starrick 226
NJ Plumbing Heating Cooling Contractors Association Maria Masaoy 234
NJ State Funeral Directors Association Maria Masaoy 234
NJ State League of Master Plumbers Karen Starrick 226
NJ Veterinary Medical Association Janet Anness 231
NJ Warehouseman & Mover Association Janet Anness 231
Claims Department Contact Name Ext.
  Patty Bolles 223
  Pat Ramentol 236
  Amanda Heddy 244
Marketing Department Contact Name Ext.
Sales Director Mike Leneghan 222
  Robert Bulger 238
  Joy Castagno 229
  Will Devine 239
  Marta DiGesu 246
  James Kelly 243
  Walter Knapp 247
Accounting Department Contact Name Ext.
Chief Financial Officer Steve Cerbone 240
  Chris Davidson 230
  Contact Name Ext.
Chief Operating Officer Harvey Mishkin 241
Director of Operations Michael Weckstein 232
For Technical Issues  
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TERMS OF SERVICE AGREEMENT

PLEASE READ THE FOLLOWING TERMS OF USE AGREEMENT CAREFULLY. BY ACCESSING, OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN PLEASE DO NOT ACCESS, OR USE, OUR SITES OR OUR SERVICES. THIS TERMS OF SERVICE AGREEMENT IS EFFECTIVE AS OF 01/01/2015.

ACCEPTANCE OF TERMS

The following Terms of Service Agreement (the "TOS") is a legally binding agreement that shall govern the relationship with our users and others which may interact or interface with Association Member Trust SM, also known as AMT, located at 636 Morris Turnpike, Suite 2A, Short Hills, New Jersey 07078, and our subsidiaries and affiliates, in association with the use of the AMT website, which includes amt-nj.com (the "Site") and its Services, which shall be defined below.

DESCRIPTION OF WEBSITE SERVICES OFFERED

AMT is a not for profit group benefits program formed to serve the needs of participating association employer members. The AMT website provides members with access to certain benefit plan information.

Any and all visitors to our site, despite whether they are registered or not, shall be deemed as "users" of the herein contained Services provided for the purpose of this TOS. Once an individual registers for our Services, through the process of creating an account, the user shall then be considered a "member."

The user and/or member acknowledges and agrees that the Services provided and made available through our website and applications, which may include some mobile applications and that those applications may be made available on various social media networking sites and numerous other platforms and downloadable programs, are the sole property of Association Member Trust. At its discretion, Association Member Trust may offer additional website Services and/or products, or update, modify or revise any current content and Services, and this Agreement shall apply to any and all additional Services and/or products and any and all updated, modified or revised Services unless otherwise stipulated. Association Member Trust does hereby reserve the right to cancel and cease offering any of the aforementioned Services and/or products. You, as the end user and/or member, acknowledge, accept and agree that Association Member Trust shall not be held liable for any such updates, modifications, revisions, suspensions or discontinuance of any of our Services and/or products. Your continued use of the Services provided, after such posting of any updates, changes, and/or modifications shall constitute your acceptance of such updates, changes and/or modifications, and as such, frequent review of this Agreement and any and all applicable terms and policies should be made by you to ensure you are aware of all terms and policies currently in effect. Should you not agree to the updated, modified, revised or modified terms, you must stop using the provided Services. All members of this website are further subject to the terms, conditions, policies, and standards of the AMT Benefit Plans, Summary of Benefits, Rules and Regulations and Trust provisions as promulgated by the AMT Board of Trustees.

Furthermore, the user and/or member understands, acknowledges and agrees that the Services offered shall be provided "AS IS" and as such Association Member Trust shall not assume any responsibility or obligation for the timeliness, missed delivery, deletion and/or any failure to store user content, communication or personalization settings. Further, you must be a participant or eligible dependent in one or more of the AMT benefit plans.

REGISTRATION

To register and become a "member" of the Site, you must be 18 years of age to enter into and form a legally binding contract. In addition, you must be in good standing and not an individual that has been previously barred from receiving AMT's Services under the laws and statutes of the United States or other applicable jurisdiction.

Furthermore, the registering party hereby acknowledges, understands and agrees to:

a)      furnish factual, correct, current and complete information with regards to yourself as may be requested by the data registration process, and

b)      maintain and promptly update your registration and profile information in an effort to maintain accuracy and completeness at all times.

If anyone knowingly provides any information of a false, untrue, inaccurate or incomplete nature, Association Member Trust will have sufficient grounds and rights to suspend or terminate the member in violation of this aspect of the Agreement, and as such refuse any and all current or future use of Association Member Trust Services, or any portion thereof.

It is Association Member Trust's priority to ensure the safety and privacy of all its visitors, users and members, especially that of children. Therefore, it is for this reason that the parents of any child under the age of 13 that permit their child or children access to the AMT website platform Services must create a "family" account, which will certify that the individual creating the "family" account is of 18 years of age and as such, the parent or legal guardian of any child or children registered under the "family" account. As the creator of the "family" account, s/he is thereby granting permission for his/her child or children to access the various Services provided, including, but not limited to, message boards, email, and/or instant messaging. It is the parent's and/or legal guardian's responsibility to determine whether any of the Services and/or content provided are age-appropriate for his/her child.

PRIVACY POLICY

Every member's registration data and various other personal information are strictly protected by the Association Member Trust's Privacy Policy and also subject to HIPPA. As a member, you herein consent to the collection and use of the information provided, including the transfer of information within the United States and/or other countries for storage, processing or use by Association Member Trust and/or our subsidiaries and affiliates.

MEMBER ACCOUNT, USERNAME, PASSWORD, AND SECURITY

After completion of the registration data and creation of your username, you will receive a random password—which you can later change—and account designation. You shall be responsible for maintaining the secrecy and confidentiality of your password and for all activities that transpire on or within your account. It shall be your responsibility to notify Association Member Trust immediately if you notice any unauthorized access or use of your account or password or any other breach of security. Association Member Trust shall not be held liable for any loss and/or damage arising from any failure to comply with this term and/or condition of the TOS.

CONDUCT

As a member of the Site, you herein acknowledge, understand and agree that all information, text, software, data, photographs, music, video, messages, tags or any other content, whether it is publicly or privately posted and/or transmitted, is the expressed sole responsibility of the individual from whom the content originated. In short, this means that you are solely responsible for any and all content posted, uploaded, emailed, transmitted or otherwise made available by way of AMT Services, and as such, we do not guarantee the accuracy, integrity or quality of such content. It is expressly understood that by use of our Services, you may be exposed to content including, but not limited to, any errors or omissions in any content posted, and/or any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted or otherwise made available by AMT.

Furthermore, you herein agree not to make use of Association Member Trust's Services for the purpose of:

a)      uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or invasive of another's privacy or which is hateful, and/or racially, ethnically, or otherwise objectionable;

b)      causing harm to minors in any manner whatsoever;

c)       impersonating any individual or entity, including, but not limited to, any AMT officials, forum leaders, guides or hosts or falsely stating or otherwise misrepresenting any affiliation with an individual or entity;

d)      forging captions, headings or titles or otherwise offering any content that you personally have no right to pursuant to any law nor having any contractual or fiduciary relationship with;

e)      uploading, posting, emailing, transmitting or otherwise offering any such content that may infringe upon any patent, copyright, trademark, or any other proprietary or intellectual rights of any other party;

f)       uploading, posting, emailing, transmitting or otherwise offering any content that you do not personally have any right to offer pursuant to any law or in accordance with any contractual or fiduciary relationship;

g)      uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or unauthorized advertising, promotional flyers, "junk mail," "spam," or any other form of solicitation, except in any such areas that may have been designated for such purpose;

h)      uploading, posting, emailing, transmitting, or otherwise offering any source that may contain a software virus or other computer code, any files and/or programs which have been designed to interfere, destroy and/or limit the operation of any computer software, hardware, or telecommunication equipment;

i)        disrupting the normal flow of communication, or otherwise acting in any manner that would negatively affect other users' ability to participate in any real-time interactions;

j)        interfering with or disrupting any Association Member Trust Services, servers and/or networks that may be connected or related to our website, including, but not limited to, the use of any device software and/or routine to bypass the robot exclusion headers;

k)      intentionally or unintentionally violating any local, state, federal, national or international law, including, but not limited to, rules, guidelines, and/or regulations decreed by the U.S. Securities and Exchange Commission, in addition to any rules of any nation or other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law;

l)        providing informational support or resources, concealing and/or disguising the character, location, and or source to any organization delegated by the United States government as a "foreign terrorist organization" in accordance to Section 219 of the Immigration Nationality Act;

m)    "stalking" or with the intent to otherwise harass another individual; and/or

n)      collecting or storing of any personal data relating to any other member or user in connection with the prohibited conduct and/or activities which have been set forth in the aforementioned paragraphs.

Association Member Trust herein reserves the right to pre-screen, refuse and/or delete any content currently available through our Services. In addition, we reserve the right to remove and/or delete any such content that would violate the TOS or which would otherwise be considered offensive to other visitors, users and/or members.

Association Member Trust herein reserves the right to access, preserve and/or disclose member account information and/or content if it is requested to do so by law or in good faith belief that any such action is deemed reasonably necessary for:

a)      compliance with any legal process;

b)      enforcement of the TOS;

c)      responding to any claim that therein contained content is in violation of the rights of any third party;

d)     responding to requests for customer service; or

e)      protecting the rights, property or the personal safety of Association Member Trust, its visitors, users, and members, including the general public.

Association Member Trust herein reserves the right to include the use of security components that may permit digital information or material to be protected, and that such use of information and/or material is subject to usage guidelines and regulations established by Association Member Trust or any other content providers supplying content services to Association Member Trust. You are hereby prohibited from making any attempt to override or circumvent any of the embedded usage rules in our Services. Furthermore, unauthorized reproduction, publication, distribution, or exhibition of any information or materials supplied by our Services, despite whether done so in whole or in part, is expressly prohibited.

CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE

Due to the global nature of the internet, through the use of our network, you hereby agree to comply with all local rules relating to online conduct and that which is considered acceptable Content. Uploading, posting and/or transferring of software, technology, and other technical data may be subject to the export and import laws of the United States and possibly other countries. Through the use of our network, you thus agree to comply with all applicable export and import laws, statutes and regulations, including, but not limited to, the Export Administration Regulations (http://www.access.gpo.gov/bis/ear/ear_data.html), as well as the sanctions control program of the United States (http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx). Furthermore, you state and pledge that you:

a)      are not on the list of prohibited individuals which may be identified on any government export exclusion report (http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of any other government which may be part of an export-prohibited country identified in applicable export and import laws and regulations;

b)      agree not to transfer any software, technology or any other technical data through the use of our network Services to any export-prohibited country;

c)      agree not to use our website network Services for any military, nuclear, missile, chemical or biological weaponry end uses that would be a violation of the U.S. export laws; and

d)     agree not to post, transfer nor upload any software, technology or any other technical data which would be in violation of the U.S. or other applicable export and/or import laws.

CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES

Association Member Trust shall not lay claim to ownership of any content submitted by any visitor, member or user, or make such content available for inclusion on our website Services. Therefore, you hereby grant and allow for Association Member Trust the below listed worldwide, royalty-free and non-exclusive licenses, as applicable:

a)      The content submitted or made available for inclusion on the publicly accessible areas of Association Member Trust's sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services is for the sole purpose of providing and promoting the specific area to which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of Association Member Trust's sites, and shall terminate at such time when you elect to discontinue your membership.

b)      Photos, audio, video and/or graphics submitted or made available for inclusion on the publicly accessible areas of Association Member Trust's sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services are for the sole purpose of providing and promoting the specific area in which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of Association Member Trust's sites and shall terminate at such time when you elect to discontinue your membership.

c)       For any other content submitted or made available for inclusion on the publicly accessible areas of Association Member Trust's sites, the continuous, binding and completely sub-licensable license which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and/or publicly display said content, whether in whole or in part, and the incorporation of any such Content into other works in any arrangement or medium current used or later developed.

Those areas which may be deemed "publicly accessible" areas of Association Member Trust's sites are those such areas of our network properties which are meant to be available to the general public, and which would include message boards and groups that are openly available to both visitors and members. However, those areas which are not open to the public, and thus available to members only, would include our mail system and instant messaging.

CONTRIBUTIONS TO COMPANY WEBSITE

Association Member Trust may provide an area for our users and members to contribute feedback to our website. When you submit ideas, documents, suggestions and/or proposals ("Contributions") to our site, you acknowledge and agree that:

a)      your Contributions do not contain any type of confidential or proprietary information;

b)      AMT shall not be liable or under any obligation to ensure or maintain confidentiality, expressed or implied, related to any Contributions;

c)       AMT shall be entitled to make use of and/or disclose any such Contributions in any such manner as they may see fit;

d)      the contributor's Contributions shall automatically become the sole property of AMT; and

e)      AMT is under no obligation to either compensate or provide any form of reimbursement in any manner or nature.

INDEMNITY

All users and/or members herein agree to ensure and hold Association Member Trust, our subsidiaries, affiliates, agents, Trustees, employees, officers, partners and/or licensors blameless or not liable for any claim or demand, which may include, but is not limited to, reasonable attorney fees made by any third party, which may arise from any content a member or  user of our site may submit, post, modify, transmit or otherwise make available through our Services, the use of  AMT Services or your connection with these Services, your violations of the Terms of Service and/or your violation of any such rights of another person.

COMMERCIAL REUSE OF SERVICES

The member or user herein agrees not to replicate, duplicate, copy, trade, sell, resell or exploit for any commercial reason any part, use of, or access to AMT's sites.

USE AND STORAGE GENERAL PRACTICES

You herein acknowledge that Association Member Trust may set up any such practices and/or limits regarding the use of our Services, without limitation of the maximum number of days that any email, message posting or any other uploaded content shall be retained by Association Member Trust, nor the maximum number of email messages that may be sent and/or received by any member, the maximum volume or size of any email message that may be sent from or may be received by an account on our Service, the maximum disk space allowable that shall be allocated on Association Member Trust's servers on the member's behalf, and/or the maximum number of times and/or duration that any member may access our Services in a given period of time.  In addition, you also agree that Association Member Trust has absolutely no responsibility or liability for the removal or failure to maintain storage of any messages and/or other communications or content maintained or transmitted by our Services. You also herein acknowledge that we reserve the right to delete or remove any account that is no longer active for an extended period of time. Furthermore, Association Member Trust shall reserve the right to modify, alter and/or update these general practices and limits at our discretion.

MODIFICATIONS

Association Member Trust shall reserve the right at any time it may deem fit, to modify, alter and or discontinue, whether temporarily or permanently, our service, or any part thereof, with or without prior notice. In addition, we shall not be held liable to you or to any third party for any such alteration, modification, suspension and/or discontinuance of our Services, or any part thereof.

TERMINATION

As a member of amt-nj.com, you may cancel or terminate your account, associated email address and/or access to our Services by submitting a cancellation or termination request to: info@amt-nj.com or by mail by sending the written termination or cancellation request to AMT, 636 Morris Turnpike, Suite 2A, Short Hills, New Jersey 07078.

As a member, you agree that Association Member Trust may, without any prior written notice, immediately suspend, terminate, discontinue and/or limit your account, any email associated with your account, and access to any of our Services. The cause for such termination, discontinuance, suspension and/or limitation of access shall include, but is not limited to:

a)      any breach or violation of our TOS or any other incorporated agreement, regulation and/or guideline;

b)      by way of requests from law enforcement or any other governmental agencies;

c)       the discontinuance, alteration and/or material modification to our Services, or any part thereof;

d)      unexpected technical or security issues and/or problems;

e)      any extended periods of inactivity;

f)       any engagement by you in any fraudulent or illegal activities; and/or

g)      the nonpayment of any associated fees that may be owed by you in connection with your amt-nj.com account Services.

Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, and or limitations of access for cause shall be made at our sole discretion and that we shall not be liable to you or any other third party with regards to the termination of your account, associated email address and/or access to any of our Services.

The termination of your account with amt-nj.com shall include any and/or all of the following:

a)      the removal of any access to all or part of the Services offered within amt-nj.com;

b)      the deletion of your password and any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof; and

c)       the barring of any further use of all or part of our Services.

ADVERTISERS

Any correspondence or business dealings with, or the participation in any promotions of, advertisers located on or through our Services, which may include the payment and/or delivery of such related goods and/or Services, and any such other term, condition, warranty and/or representation associated with such dealings, are and shall be solely between you and any such advertiser. Moreover, you herein agree that Association Member Trust shall not be held responsible or liable for any loss or damage of any nature or manner incurred as a direct result of any such dealings or as a result of the presence of such advertisers on our website.

LINKS

Either Association Member Trust or any third parties may provide links to other websites and/or resources. Thus, you acknowledge and agree that we are not responsible for the availability of any such external sites or resources, and as such, we do not endorse nor are we responsible or liable for any content, products, advertising or any other materials, on or available from such third party sites or resources. Furthermore, you acknowledge and agree that Association Member Trust shall not be responsible or liable, directly or indirectly, for any such damage or loss which may be a result of, caused or allegedly to be caused by or in connection with the use of or the reliance on any such content, goods or Services made available on or through any such site or resource.

PROPRIETARY RIGHTS

You do hereby acknowledge and agree that Association Member Trust's Services and any essential software that may be used in connection with our Services ("Software") shall contain proprietary and confidential material that is protected by applicable intellectual property rights and other laws. Furthermore, you herein acknowledge and agree that any Content which may be contained in any advertisements or information presented by and through our Services or by advertisers is protected by copyrights, trademarks, patents or other proprietary rights and laws. Therefore, except for that which is expressly permitted by applicable law or as authorized by Association Member Trust or such applicable licensor, you agree not to alter, modify, lease, rent, loan, sell, distribute, transmit, broadcast, publicly perform and/or created any plagiaristic works which are based on Association Member Trust Services (e.g. Content or Software), in whole or part.

Association Member Trust herein has granted you personal, non-transferable and non-exclusive rights and/or license to make use of the object code or our Software on a single computer, as long as you do not, and shall not, allow any third party to duplicate, alter, modify, create or plagiarize work from, reverse engineer, reverse assemble or otherwise make an attempt to locate or discern any source code, sell, assign, sublicense, grant a security interest in and/or otherwise transfer any such right in the Software. Furthermore, you do herein agree not to alter or change the Software in any manner, nature or form, and as such, not to use any modified versions of the Software, including and without limitation, for the purpose of obtaining unauthorized access to our Services. Lastly, you also agree not to access or attempt to access our Services through any means other than through the interface which is provided by Association Member Trust for use in accessing our Services.

WARRANTY DISCLAIMERS

YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

a)      THE USE OF Association Member Trust SERVICES AND SOFTWARE ARE AT THE SOLE RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN "AS IS" AND/OR "AS AVAILABLE" BASIS. Association Member Trust AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

b)      Association Member Trust AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS MAKE NO SUCH WARRANTIES THAT (i) Association Member Trust SERVICES OR SOFTWARE WILL MEET YOUR REQUIREMENTS; (ii) Association Member Trust SERVICES OR SOFTWARE SHALL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THAT SUCH RESULTS WHICH MAY BE OBTAINED FROM THE USE OF THE Association Member Trust SERVICES OR SOFTWARE WILL BE ACCURATE OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY INFORMATION OR OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY YOU THROUGH OUR SERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (v) THAT ANY SUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE CORRECTED.

c)       ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAIN BY WAY OF Association Member Trust SERVICES OR SOFTWARE SHALL BE ACCESSED BY YOUR SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND CAUSES OF ACTION WITH RESPECT TO ANY DAMAGE TO YOUR COMPUTER AND/OR INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF DATA THAT COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION OR MATERIAL.

d)      NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT MAY BE OBTAINED BY YOU FROM Association Member Trust OR BY WAY OF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.

e)      A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY UNKNOWN CONDITION OR UNDETECTED EPILEPTIC SYMPTOM IN USERS WHO HAVE SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU, ANYONE YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC CONDITION, PLEASE CONSULT A PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING OUR SERVICES: DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

LIMITATION OF LIABILITY

YOU EXPLICITLY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT Association Member Trust AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, TRUSTEES, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, INCIDENTIAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES WHICH MAY BE RELATED TO THE LOSS OF ANY PERSONAL HEALTH CARE OR INFORMATION, ANY PROFITS, GOODWILL, USE, DATA AND/OR OTHER INTANGIBLE LOSSES, EVEN THOUGH WE MAY HAVE BEEN ADVISED OF SUCH POSSIBILITY THAT SAID DAMAGES MAY OCCUR, AND RESULT FROM:

a)      THE USE OR INABILITY TO USE OUR SERVICE;

b)      THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES;

c)       UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS AND/OR DATA;

d)      STATEMENTS OR CONDUCT OF ANY SUCH THIRD PARTY ON OUR SERVICE;

e)      AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.

SPECIAL ADMONITION RELATED TO FINANCIAL MATTERS

Should you intend to create or to join any service, receive or request any such news, messages, alerts or

Why AMT

Here are four reasons.

 

We offer self-funded health and dental benefits programs. Self-funding has many benefits over traditional insurance plans. It provides greater plan flexibility, allowing employers to better meet the needs of their employees. It tends to be less expensive, and it gives you more opportunities to identify savings and fine-tune your plan.

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When claims are lower than projected, we even pay dividends.

 

Our members have access to one of New Jersey’s, and the nation’s, largest provider networks. Additionally, our partnerships with Delta Dental and Unicare Life and Health Insurance Company ensure that members have access to a robust portfolio of health care and life insurance options.

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We help our members select the right coverage for their needs and help with any billing or claims issues.

With AMT, you can expect more.

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