ID Defenders Traditional Plan Options

This program is sold to individuals, affinity groups, employers, imbedded with insurance policies, or can even be added into an institution’s fee or tuition.  Below are 3 of our most popular traditional plans.  If the group or organization is big enough, we can tailor some of the benefit programs to more specifically meet the client’s needs.

Plan 1
Protection	Recent news supplied to members about new developments in identity theft and ways to protect yourself Monthly newsletters with the latest news in scams and protection tips Advice from our identity theft Recovery Experts Personalized protection test to assess your level of protection Identity theft news and a monthly newsletter Alerts that inform you of identity theft crimes and criminals in your area
Recovery	A personal Recovery Expert assigned within 24 business hours Credit report & financial statement victim analysis Damage Assessment Plan Links with law enforcement Recovery Experts will erase damage caused by thieves Post recovery follow-up Up to $30,000 in total reimbursements Up to $5,000 per week in lost wage reimbursement (compared to the $500 limit of other services) Family Plan that includes dependents, spouses, and domestic partners
Monitoring	Credit monitoring is a very effective tool for becoming aware of fraudulent activity quickly. You’ll be informed of any changes to your credit report. You’ll always be on top of what’s happening with your credit by knowing about changes. The damage an identity thief can do in a short period of time can be devastating. To make the most of your ID Defenders membership, you should set up your credit monitoring as quickly as possible.
Follow-up	Recovery Experts are dedicated to restoring a victim’s good name. To ensure that the victim’s identity is recovered completely, no limit is put on the amount of time Recovery Experts spend on the case. Once the problems associated with the identity theft are resolved, the case will stay in our system for 36 months. If any other events stem from the identity theft case, we will re-open and take care of it.

Plan 2
Prevention:	Constant scanning of over 1,500 databases to detect suspicious activity Scan financial information, public records and consumer accounts Look for changes in your existing accounts Look for new accounts and transactions in your name Detect financial fraud, employment fraud or real estate fraud
Advisory:	Real-time, web-based victim theft event report Online library of prevention information and current identity theft news Protection test to assess your household’s risk of identity theft and customized advisories to improve it Monthly newsletters that answer member questions and provide updates in legislation, news on current corporate data breaches, and recent scams
Insurance:	Reimbursement up to $20,000 for individuals or $30,000 per family member in the family plan Coverage for lost wages and other expenses directly associated with your theft event Family plan covers spouses, domestic partners and children under the age of 25 who share a permanent address with the member Includes family fraud coverage (identity theft among family members)
Recovery:	Assess your situation to determine if you’re a victim of identity theft Work on your behalf with financial institutions and law enforcement agencies via a limited Power of Attorney Long-term relationships with creditors, banks, lending institutions, criminal agencies and debt collectors Dispute and resolve fraudulent transactions Maintain a 100% success rate in restoring members to pre-identity theft status

With Plan 3 you can choose 4 levels of service.  Below is the most comprehensive plan design.  Please see the attached chart to see watered-down options.

Plan 3
Prevention:	Educate on how identity theft occurs and proactive steps that can be taken to avoid problems in the future Give advice for ancillary problems caused by identity theft
Recovery:	Capture all necessary information and complete an initial needs assessment while the victim is on the phone to determine if a fraud or theft has occurred and act on it immediately Notify all three major credit-reporting agencies of the identity theft Cancel and replace credit and charge cards Assist participant in placing a "Fraud Alert" on his/her credit report Provide the participant with a helpful "ID Theft Resolution Kit" Provide emergency cash advance when theft occurs away from home (terms and conditions apply) Provide participant with a uniform Identity Theft Affidavit, answer any questions regarding completion of the affidavit and submit the affidavit to the proper authorities, credit bureaus, and creditors Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence Report the fraudulent activity to the local authorities and forward this report to creditors Notify the fraud department of participant's creditors Report the identity theft to the Federal Trade Commission Translate 25-plus languages whenever necessary, such as when victim is overseas and needs help communicating with the local police in order to file a report or if the victim’s first language is not English Perform legal document review and initial legal needs assessment Draft a victim impact letter to the judge handling the case if impostor is apprehended and stands trial
Monitoring:	Initiate post-incident 12-month credit monitoring Review “real-time” credit history with victim and identify fraudulent accounts and activity
Follow up:	Determine best legal action to take against creditors or how to work with credit bureaus if creditors are not cooperative in removing fraudulent entries from participant's credit report Arrange access, when needed, to up to three in-person sessions with a professional in our national network of Behavioral Specialists to help participant deal with the emotional trauma of identity theft Offer unlimited telephone access 24/7 to Master level consultants to help participant alleviate the stress and anxiety caused by identity theft