Identity Theft Package

Our combination of three powerful identity theft services gives you and any covered dependents protection to help detect identity fraud before it actually occurs, services to help you restore your identity if it is stolen and insurance coverage to help you with any costs associated with restoring your identity as a result of identity fraud.

Identity Monitoring

Through Identity Monitoring, activities associated with a person’s identity are monitored across multiple data sources to detect the type of fraudulent activity that takes place prior to the theft of any individual’s identity.

• Credit Bureau Data
• DMV Records
• Bankruptcy Lien and Judgment Filings
• Utility Records
• Public Records
• Private Contributory Databases

As identity fraud usually precedes identity theft, this type of proactive alert system is critical to mitigating the extensive and expensive damages perpetrated after an identity is stolen and manipulated.

Identity Theft Resolution Program

Identity Theft is a rapidly growing crime that can happen to you any time and any place, resulting in extensive damages that are very expensive and difficult to repair on your own. If you are an HCCUA Member and discover that you or a covered dependent are a victim of this crime; you have the peace of mind of knowing that there are ID Theft Specialists who treat every Identify Theft as an emergency and are always prepared to help you when you need it.

Once you report an incident, qualified paralegals will:

• Consult with you to determine the severity of the theft
• Prepare and overnight a customized, pre-completed state specific “ID Recovery Kit™”
• Contact all three credit reporting agencies and obtain a free credit report
• Place fraud alerts on your credit records and obtain a list of creditors involved with the fraud
• Notify local authorities of the incident and help you obtain necessary reports
• Notify the appropriate bank or agency if other forms of identification (such as an ATM card, driver’s license, social security card, or passport) were stolen or are missing, so that appropriate action can be taken and new forms issued

If your credit cards are misplaced or stolen, qualified paralegals will:

• Contact each credit card company while you are on the phone
• Cancel your affected credit cards
• Request new replacement cards
• Place fraud alerts with all three major credit bureaus
• Assist you with interpreting your credit reports
• Provide daily credit monitoring from all three bureaus for six months to help prevent any further fraud

Identity Theft Insurance

Each member will also receive up to $25,000 worth of insurance coverage* underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help members offset some of the costs of restoring their identity to its original status, including:

• Lost wages: $500.00 per week, for 4 weeks maximum
• Re-filing of loans
• Defense cost for certain civil law suits: Reasonable and necessary fees and expenses incurred in the United States by the insured with insurer’s consent for an attorney appointed by them for:
• (a)Defending any civil 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 a stolen identity event.
• (b) Removing any civil judgment wrongfully entered against the insured solely as a result of a stolen identity event.

• 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 event and/or amend or rectify records as to the insured’s true name or identity as a result of a stolen identity event.
• (c) 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.