Privacy Policy

LDC Member Portal is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the LDC Member Portal site and governs data collection and usage. By using the LDC Member Portal site, you consent to the data practices described in this statement.

Collection of your Personal Information


LDC Member Portal collects personally identifiable information, such as your email address, name, home or work address or telephone number. LDC Member Portal also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by LDC Member Portal. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by LDC Member Portal for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the LDC Member Portal site.


Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through LDC Member Portal public message boards, this information may be collected and used by others. Note: LDC Member Portal does not read any of your private online communications.

LDC Member Portal encourages you to review the privacy statements of Web sites you choose to link to from LDC Member Portal so that you can understand how those Web sites collect, use and share your information. LDC Member Portal is not responsible for the privacy statements or other content on Web sites outside of the LDC Member Portal and LDC Member Portal family of Web sites.


Use of your Personal Information

LDC Member Portal collects and uses your personal information to operate the LDC Member Portal Web site and deliver the services you have requested. LDC Member Portal also uses your personally identifiable information to inform you of other products or services available from LDC Member Portal and its affiliates. LDC Member Portal may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.


LDC Member Portal does not sell, rent or lease its customer lists to third parties. LDC Member Portal may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, LDC Member Portal may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to LDC Member Portal, and they are required to maintain the confidentiality of your information.


LDC Member Portal does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

LDC Member Portal keeps track of the Web sites and pages our customers visit within LDC Member Portal, in order to determine what LDC Member Portal services are the most popular. This data is used to deliver customized content and advertising within LDC Member Portal to customers whose behavior indicates that they are interested in a particular subject area.


LDC Member Portal Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on LDC Member Portal or the site; (b) protect and defend the rights or property of LDC Member Portal; and, (c) act under exigent circumstances to protect the personal safety of users of LDC Member Portal, or the public.


Use of Cookies

The LDC Member Portal Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.


One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize LDC Member Portal pages, or register with LDC Member Portal site or services, a cookie helps LDC Member Portal to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same LDC Member Portal Web site, the information you previously provided can be retrieved, so you can easily use the LDC Member Portal features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the LDC Member Portal services or Web sites you visit.


Security of your Personal Information

LDC Member Portal secures your personal information from unauthorized access, use or disclosure. LDC Member Portal secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement


LDC Member Portal will occasionally update this Statement of Privacy to reflect company and customer feedback. LDC Member Portal encourages you to periodically review this Statement to be informed of how LDC Member Portal is protecting your information.

Contact Information


LDC Member Portal welcomes your comments regarding this Statement of Privacy. If you believe that LDC Member Portal has not adhered to this Statement, please contact LDC Member Portal at enrollment@ldcphilly.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.


Laborers’ District Council COBRA Continuation Coverage Refund Policy

This COBRA Refund Policy governs requests for refunds made through the Laborers’ District Council COBRA Continuation Coverage Online Portal (“the Portal”). This policy is intended to ensure fair, consistent, and timely handling of overpayments or other eligible refund scenarios in accordance with applicable laws and regulations, including the Consolidated Omnibus Budget Reconciliation Act (COBRA).

Refunds may be issued in the following circumstances:

  1. Overpayment of premiums
  2. Duplicate premium payments
  3. Payment made for a period after a COBRA termination date
  4. Fund Office administrative error
  5. Payment made for a participant or beneficiary who is not COBRA eligible

Refunds may NOT be issued in the following circumstances:

  1. Voluntary discontinuation of COBRA coverage
  2. Late payments

To request a refund, participants must complete a Refund Request Form on the Portal.

Refund requests must be submitted within 10 days of the date on which the error occurred. Requests made after this period may be denied, unless approved at discretion of the Fund Administrator.

Refund requests are typically reviewed within 30 days of the Fund Office’s receipt. Approved refunds will be issued within 30 days of approval. Refunds will be returned via original payment method.

If a refund request is denied, the participant may submit a written appeal within 30 days of the denial notice date.

Participants are encouraged to retain proof of all payments and communications. Refunds may be subject to offset against other outstanding COBRA balances.