Premium Identity Theft Program

According to the Federal Trade Commission, One in four U.S. households has been a victim of identity theft in the past five years and in the last year alone, 10 million people were victimized.  The reported as stated that the average loss to businesses per victim was $4,800.  The average victim spends 175 hours resolving their problem and only just 11% of the survey respondents said they were aware that their personal information had been taken before discovering they were victims of identity.  This is why the Premium Identity Theft Program benefits are tailored to your needs.

BENEFITS:  Identity Theft benefits include $25,000 in insurance coverage, credit monitoring, legal and fraud resolution assistance pertaining to fraud and identity theft related issues that:

• Provides unlimited access to a highly trained Fraud Resolution Specialist ™ that conducts ten (10) emergency response activities within 48 hours.

• Helps members obtain a free credit report during an ID Theft occurrence and assists with placing a "Fraud Alert" on their credit report and with creditors.

• Reviews credit report with member to investigate any suspicious activity.

• Assists member with restoring their identity and good credit.

• Provides member with a free "ID Theft Emergency Response Kit".

• Administers the costly steps to dispute fraudulent debts as a result of ID theft.

• Creates a case file to document actions taken during the resolution process.

• Provides member follow-up and monitors the resolution progress with them until the matter is resolved.

IDENTITY THEFT INSURANCE COVERAGE HIGHLIGHTS:

Coverage includes a $25,000 Identity theft insurance coverage with a $0 deductible for certain fraud-related expenses such as:

• Lost wages as a result of time off work to investigate and/or re-establish identity.

• Notary and certified mailing cost for completing fraud affidavits.

• Long distance phone charges associated with re-establishing your identity.

• Cost for reasonable attorney fees appointed by us and related court fees.

• Expenses related to the recovery of your identity, including defense costs for certain civil suits, re-filing for loans and reimbursement of fees.

CREDIT MONITORING BENEFITS:

Your best defense for guarding your good credit and preventing identity theft is to discover any unauthorized credit activity as quickly as possible. By staying informed and updated you will be able to maintain constant vigilance of your credit history. You can now keep track of your personal credit information and be informed when key information on your credit report changes. We provide continuous credit file monitoring that alerts you whenever there is a change in your credit file for new accounts and changes of address. With this Credit Monitoring Service, you will never be caught off guard again.

Credit monitoring benefits include:

• Continuous credit file monitoring during your enrollment

• Credit Monitoring Alerts for suspicious activity

• Notification of: Any new accounts opened in your name and changes of address

• Counseling assistance on credit monitoring issues

• Personalized attention to address your credit monitoring concerns & needs