What organization maintains confidential medical impairment information on individuals?

The organization that maintains confidential medical impairment information on individuals is the Medical Information Bureau (MIB). The MIB functions as a non-profit organization that collects and stores data regarding the health conditions of individuals who have applied for life insurance or health-related insurance products. This information is used by insurers to assess risk and determine insurability.

When an individual applies for insurance, the insurer can access the MIB database to review any past medical impairments or relevant health information that the applicant may have shared in previous insurance applications. This helps insurance companies make informed underwriting decisions based on the applicant's medical history while maintaining confidentiality.

In contrast, the other organizations mentioned do not perform the same specific function regarding confidential medical impairment information. The National Insurance Association focuses more on the insurance industry's needs and regulatory aspects, while the Consumer Reports Bureau primarily deals with consumer-related data and issues. The Health Information Agency, while potentially related to health data, does not specifically focus on collecting and maintaining medical impairment information for insurance purposes.