(a) With the written consent of the person(s) or, in the case of death or disability, of the individual’s personal representative, or person authorized to sue, or the beneficiary of an insurance policy on an individual’s life, health or physical condition; or
(b) Communications that reveal the contemplation of a crime or a harmful act; or
(c) When the licensee acquires information involving a minor who was a victim or subject of a crime, the licensee may be required to testify fully in an examination, trial or other proceeding in which the commission of such a crime is a subject of inquiry; or
(d) When a person waives the privilege by bringing charges against the licensee; or
(e) When the licensee is called upon to testify in court or administrative hearings concerning matters of adoption, adult abuse, child abuse, child neglect or other matters pertaining to the welfare of clients of the licensee; or
(f) When the licensee is collaborating or consulting with professional colleagues or an administrative superior on behalf of the client.
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