Cigna Dental Savings

CLC ID PROTECT™ IDENTITY THEFT BENEFITS

UNLIMITED RESTORATION & RECOVERY SERVICES
We assist you with restoring your credit and/or financial reputation. This is achieved by guiding you through the costly steps required to properly dispute fraudulent debts as a result of identity theft. We also create a case file to document actions taken during the resolution/recovery process.

ID THEFT EMERGENCY RESPONSE PROTOCOL
When you activate your benefit with an Fraud Resolution Specialists (FRS) and inform them of the identity theft, the FRS will conduct the following emergency response activities

• Assist you on how to notify the local and federal authorities
• Assist you in obtaining your free credit report
• Provide you with an ID Theft Emergency Response Kit
• Implement an action plan for you (and the assisting FRS) to begin the process of restoring your credit reputation and credit score

TAX FRAUD ASSISTANCE
Through our staffed CPA’s and Enrolled Agent, and via Power of Attorney, we are able to help victims of tax fraud by working directly on their behalf with the IRS. This is a premium feature you will be hard pressed to find from competitors offering identity theft protection services.

LEGAL SERVICES
You are entitled to a free initial sixty-minute consultation with an attorney concerning each new issue involving theft of your identity. After the initial consultation, the participating attorney may be retained at a preferred rate reduction of 25% off of the attorney’s standard hourly or fixed fee rates.

FINANCIAL COACHING CONSULTATIONS
You are entitled to up to a sixty-minute telephone consultation with a Financial Coach at no cost. A Financial Coach can assist you with restoring and rehabilitating your credit reputation and financial status, which have been damaged as a result of an identity theft crisis or fraud.

SAFE WALLET
Secure your credit/debit card numbers, Driver’s License number, and others in a secure place in case your purse or wallet is stolen or lost. You’ll have easy access from your dashboard to view these items, as well as associated phone numbers to have them replaced.

LOST WALLET/PURSE ASSISTANCE
Replacing items in your wallet or purse when they're stolen or lost can be very stressful and time consuming. Our FRS™ team can assist you with the steps required to contact the financial institutions and/or to replace the missing items.

24/7 CREDIT MONITORING*
Your TransUnion credit report will be monitored on a daily basis for any new credit inquiries. If any activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.

24/7 HIGH RISK TRANSACTION MONITORING
We monitor your name and Social Security Number across a network of companies who utilize the “out of wallet” knowledge-based authentication questions to verify an identity during a transaction. You will receive a real-time alert via the email on record, when the “out of wallet” knowledge-based authentication questions have been activated. The notification will include two buttons: “dismiss” or “red alert.” If you are involved with the transaction, then you can press “dismiss.” If you are not involved with the transaction, you can press “red alert.” This sends a message back upstream. This alert can be received by the company conducting the transaction and can sometimes stop the transaction before completion. No personal identifiable information (PII) is transmitted with the red alert process. Examples of monitored transactions include bank password resets, account openings, payroll access, credit card activations, electronic funds transfers, and online prescription refills. The monitored network is extensive; however, it does not monitor all high risk transactions. It does not cover all companies who utilize the "out of wallet" knowledge-based authentication question process, nor do all high risk transactions involve the use of the knowledge-based authentication process.

24/7 SOCIAL SECURITY MONITORING
We monitor your Social Security Number (SSN) using cutting-edge technology to monitor hundreds of millions of online records for unauthorized usage of your SSN. When we find anything suspicious, you receive a real time alert that can allow you to take action and halt unauthorized usage of your SSN.

24/7 DATA SWEEP MONITORING
We monitor the Internet to find your exposed personal information – phone numbers, addresses, birth date, and more. Then, we help you take it down and automatically process opt-outs on your behalf. This stops people-search sites and criminals from selling your personal information to individuals who might have ulterior motives. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.

24/7 DEBIT & CREDIT CARD MONITORING
We monitor the Internet for fraudulent activity involving your personal information, such as credit card numbers and debit card numbers, PIN numbers, and other personal information in Internet hacker chat rooms and the dark web. Notices of compromised data are made available on your dashboard in real time. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.

ALERT DETECTION**
When an alert comes to your dashboard, you have the capability to easily click on the "Red Alert - Not Me" response. This response will be pushed back to the source of the transaction alert and can sometimes stop the fraudulent transaction before it is completed.

Exclusions & Limitations

• Benefits are available to family members unless otherwise noted.
• Any ID theft event related to current employer or employer’s 3rd party vendors is excluded.
• Any ID theft event involving social security number of covered member, even if member has not been compromised, is covered. Employer breach excluded.
• If a lawsuit or claim or action has been filed, whether civil, criminal, or administrative, only a legal referral will be made to protect the member’s interests.

FREE LEGAL FORMS AND RESOURCE CENTER

Forms include, but are not limited to:

• Complaint Letters
• Deeds
• Living Trusts
• Personal Service Agreements
• Wills

• Business Agreements
• Corporations and LLCs
• Intellectual Property
• Internet Law Forms
• Loans and Collections
• Sale of Goods

*CLC ID PROTECT™ does not monitor all transactions at all businesses.
**No service can stop all identity theft events.