Identity Theft Protection

Identity Theft Restoration

Upon notification of an identity theft incident, Privacy Advocates will act on behalf of Our members as dedicated case managers to:

• Investigate and confirm the fraudulent activity, including known, unknown and potentially complicated additional sources of identity theft;
• Complete and mail customized, pre-populated, state specific "Fraud Packet" via certified mail with pre-paid return instructions;
• Place phone calls, send electronic notifications, and prepare appropriate documentation on the member's behalf, including dispute letters for defensible compliants to any and all appropriate state agencies and financial institutions;
• Issue fraud alerts and victim statements when necessary, with the three (3) consumer credit reporting agencies, the Federal Trade Commission (FTC), the Social Security Administration (SSA) and U.S. Postal Service;
• Submit Special Limited Power of Attorney and ID Theft Affidavit to involved creditors for card cancellation and new card issuance;
• Contact, follow up and escalate issues with affected agencies, creditors, financial institutions, to reinforce member's rights;
• Assist the member in notifying local law enforcement authorities to file the appropriate official reports;
• Utilize real time access to public records reports including DMV, criminal, address changes, liens and judgements for further investigation where applicable;
• Provide peace of mind and resolution of key issues from start to finish as swiftly as possible;
• Provide members with a "Case Completion Kit" including copies of documentation, correspondence, forms and letters for their personal records.

Identity Theft Insurance Benefit

Each member will receive up to one million dollars ($1,000,000) of insurance coverage. Identity theft insurance is underwritten by a nationally recognized Insurance Carrier with an "A" or better AM Best Rating. This coverage will help members offset some of the cost of restoring their identity to its original status, including:

• Lost wages: one thousand five hundred dollars ($1,500) a week for four (4) weeks maximum;
  Re-filing of loans;
• Defense cost for certaiin civil and criminal lawsuits: Reasonable and necessary fees incurred in the United States by the insured with carrier's consent for an attorney appointed by them for: (a) Defending any civil or criminal suit brought against the insured by a creditor, collection agency or other entity acting on behalf of a creditor for non-payment of goods or services, or default on a loan solely as a result of stolen identity incident; and (b) Removing any civil or criminal judgement wrongfully entered against the insured solely as a result of a stolen identity incident.
• Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for: (a) Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event; (b) Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured's efforts to report a stolen identity and/or amend or rectify records as to the insured's true name or identity as a result of a stolen identity incident; and (c) Up to six (6) credit reports from established credit bureaus (with no more than two (2) reports from any one (1) credit bureau) dated within twelve (12) months after the insured's discovery of a stolen identity incident.

Unlimited Legal care at discounted rates

Beyond the reimbursement of eligible defense costs, this identity theft program provides access to unlimited discounted legal care, at capped hourly rates, enabling member to both defend themselves and prosecute thieves.

Identity theft victims have access to a proprietary attorney network that will represent them at the low hourly rate of one hundred twenty five dollars ($125), or forty percent (40%) off the plan attorney's usual and customary hourly rate, whichever is greater, for all extended legal care.

Family Legal Plan

Members and their family will have access to a nationwide network of plan attorneys that have contracted with Legal Club to provide free and discounted legal services. Upon contacting our MSD, members will be referred to a plan attorney based on language, area of law and location.

Benefit Features

Free Legal Services

The following nine (9) services are available at no charge from your plan attorney.

• Initial phone consultation for each new legal matter (no time limit);
• Initial face-to-face consultation for each new legal matter (no time limit);
• Review of independent legal documents (six (6) page maximum per document, no limit to the number of new independent documents);
• Plan attorneys will prepare a free Simple Will for the member and their family, as well as update the Will annually for free;
• A state specific, web based, free Living Will form is available to members. This form can be notarized by a Notary Public. Store this document in a safe location;
• Plan attorneys will help members represent themselves in small claims court;
• Assistance in solving problems with government programs, such as the Immigration and Naturalization Service (INS) and welfare;
• When deemed appropriate by the plan attorney, he or she will write letters on the members behalf (one (1) letter per legal matter, with no limit on the number of new legal matters);
• When deemed appropriate by your plan attorney, he or she will make phone calls on the members behalf (one (1) phone call per legal matter, with no limit