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Members have 24/7 access to Personal Identity
Theft Restoration Advocates who will provide them
with comprehensive, personalized recovery services
for theft of the Member as an individual. If a Member
becomes a victim of personal identity theft, the plan
administrator assigns a Recovery Advocate to manage
the case and activate the members of the Recovery
Team (fraud investigators, legal counsel, and other
experts) needed to help with the recovery process
from beginning to end.
Recovery
Team Benefits:
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Damage
Assessment |
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Notifying
the three major credit bureaus |
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Placing
fraud alerts |
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Creating
a customized Personal Recovery Plan |
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Assisting
the Merchant with the restoration of their personal
identity to its pre-theft state |
Insurance Coverage:
Each
Member will also receive up to $25,000 worth of
insurance coverage provided by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage
will help offset some of the cost of restoring their
identity to its original status including:
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Lost
wages: $500.00 per week, for 4 weeks maximum |
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Re-filing
of loans |
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Defense
cost for certain civil law suits, and |
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Reimbursement
of fees |
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(a)
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Reasonable and necessary costs incurred
in the United States by the insured for
re-filing applications for loans, grants
or other credit instruments that are rejected
solely as a result of a stolen identity
event;
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(b)
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reasonable and necessary costs incurred
in the United States by the insured for
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
event and/or amend or rectify records
as to the insured's true name or identity
as a result of a stolen identity event
; and
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(c)
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reasonable and necessary costs incurred
by the insured for up to six credit reports
from established credit bureaus (with
no more than two reports from any one
credit bureau) dated within 12 months
after the insured's discovery of a stolen
identity event.
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Online
Recovery Education Portal:
In
addition to having access to recovery advocates and
being insured, Members will have 24/7 access to
the Identity Theft Education web site. This site will
provide Members with numerous online tools to assist
them in determining their own level of security and
assist them in resolving Personal Identity Theft issues.
Members
will be able to:
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Receive
a monthly tips newslettert |
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Receive
timely anti-theft articles |
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Take
the Identity Theft Protection test |
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Develop
their own protection plan |
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Check
out fraud alerts and headlines, and |
Eligibility:
The Member and his family, including children
and dependents living with the Member may take advantage
of this program's benefits. The Personal Identity
Theft insurance component will only cover the Member
and the Member's business.
All Personal Identity
Theft benefits are administered by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating.
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