IDSafeChoice^sm
Managed Identity Theft Recovery Service
IDSafeChoice is an Identity Theft Resolution Program that provides high-touch, personalized identity theft counseling and fully managed identity theft recovery from a professional Advocate.  This program is a complementary group blanket program made available to specified consumer groups within the sponsoring organization.

IDSafeChoice Managed Recovery includes

• A Personal Recovery Advocate assigned to manage the  identity recovery
• A Customized Recovery Plan established to address specific issues
• Limited Power of Attorney authorization allows the Recovery Advocate to work on the victims behalf
• The Advocate will perform the research, phone calls, letters, follow-up, and case documentation
• The Advocate will contact  and file disputes with creditors, bill collectors, banks, mortgage companies, and agencies such as the DMV, SS Administration, and the US Postal Service
• The Advocate will continue to work until the identity has been restored to its pre-theft status

IDSafeChoice Plus^sm
Comprehensive ID Theft Protection Program
IDSafeChoice Plus is a complete identity theft discovery, recovery and reimbursement plan that provides the most comprehensive benefits package available today.  The Plus Product offers an annual credit report, continuous credit monitoring, and the most generous expense reimbursement plan in the industry.  In addition, as long as an individual is a member of the Plus Program, no matter if they remain a member of a covered group or not, they will have the same fully managed Recovery Service at no additional cost. With this complete program, consumers can proactively manage their risk, yet still plan for the possibility of identity theft and then rest assured that the protection and professional services they need will be there if the time comes.  This program can be positioned as a voluntary purchase program or as a complementary group blanket program

IDSafeChoice Plus includes IDSafeChoice Benefits as described above, PLUS ...

• Annual Credit Report and Credit Score
  • Benchmarks credit annually
  • Provides guidance on what impacts a credit score – both positive and negative
    
• Continuous Credit Monitoring
  • Daily alerts provide an early warning system that criminals may be trying to use the participant’s name.  Alerts warn of derogatory credit, new credit obtained, credit inquiries, change of address, and other activity
    
• Identity Theft Insurance
  • Up to $25,000 * in reimbursement for expenses incurred in recovering an identity, with NO deductible, including up to $6,250 per week in reimbursement for lost wages
  • Covers legal expenses, re-filing loans, notarizing affidavits, long distance calls, travel, etc.
    
• Education through Online Risk Quiz, Resource Library, and More

* Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Coverage not available to residents of New York and may not be available in other jurisdictions.

IDSafeChecking^sm Version 2.0
Comprehensive ID Theft Protection Program
For financial institutions that want to offer the protection of professional Identity Theft Recovery Services to their most valuable consumers but not bear the cost of a sponsored plan, we have IDSafeChecking.   A group-rate program that provides the same complete recovery services as shown in IDSafeChoice, as well as proactive identity theft education with monthly newsletter and identity theft Crisis Preparation Kit.  In addition this program provides the sponsor with access to “Instant Response”, an Information Security Breach Response Plan. 

IDSafeChecking is provided to checking accountholders, as a “no cost” appreciation benefit for the first 90 days.   At the end of the 90 day time period a transaction fee of $0.95 per month will be assessed to each account. Accountholders have the option to opt-out of the program to discontinue the service at any point in time. Although we can not guarantee your specific results, opt-out programs traditionally have an 80% acceptance rate over a 12 month time period.

• Managed Recovery of Identity Theft includes:
• A Personal Recovery Advocate assigned to manage the recovery
• Limited Power of Attorney authorization allows the Recovery Advocate to work on the victims behalf
• The Advocate will perform the research, phone calls, letters, follow-up, and case documentation
• The Advocate will contact  and file disputes with creditors, bill collectors, banks, mortgage companies, and agencies such as the DMV, SS Administration, and the US Postal Service
• Advocate will continue to work until the identity has been restored to its pre-theft status
• Case is closed and follow up is provided for six months
• Service is provided to the primary checking accountholder (based on # used for tax reporting), the primary’s spouse or domestic partner, and dependents under age 25 with same permanent address.
  
• Education / Awareness website includes:
• Links to the FTC Website
• Identity Theft & Fraud related White Papers and Newsletter Archives
  
• ·     Crisis Preparation Kit 
• Tools for preparing to reconstruct financial history quickly
• Tools for registering credit cards, personal accounts, and other assets
  
• Newsletters (optional) emailed to subscribers
• Tips from industry leaders in preventing identity theft
• Seasonal trends to watch for and the latest scams from law enforcement

IDSafeChoice Plus^sm Version 2.0

IDSafeChoice Plus Version 2.0 is different from the first generation IDSafeChoice Plus program because it provides for proactive data base screening and an Identity Risk Score that can actually catch identity theft before it occurs. In addition, it provides automated access to State and Federally mandated free credit reports to periodically review credit history. The subscriber of this program will also have a membership in Legal Club of America in the event they need to engage legal services as a result of identity theft. The member will also have access to a host of additional legal services so the benefit is not just limited to identity theft events.

With this comprehensive next generation program, consumers can take advantage of the latest in Identity Management to detect and stop identity theft to limit the damage   Like the traditional Plus Program, the consumer can rest assured that the protection and professional services they need will be there if the time comes.  This program can be positioned as a voluntary purchase program or as a complementary group blanket program.

This program is available for individual consumers and families, and includes:

• Managed Recovery Resolution, as shown above (consumers who purchase IDSafeChoice Plus should opt-out of the IDSafeChecking Program)
  
• IDAlert – proactive personal information and social security screening
  • Provides monthly national database screening utilizing member’s name and social security number to identify existence of possible “true name” identity theft.
  • Includes an Identity Risk Score regarding the propensity an individual may have to become a victim of identity theft.
  • Identified Fraud / Identity Theft during any monthly scan will initiate the Managed Recovery Resolution service.
    
• Legal Services Membership – includes Free specified Legal Services with discounts for other services and extended legal representation through Legal Club of America
  • Free services provided by Plan Attorney’s for Fraud, Identity Theft and Other Legal Issues
  • Unlimited phone consultations, during business hours, for each new legal matter
  • Attorney review of legal documents (6 page max.) per new matter
  • Phone calls on members behalf for legal issues
  • Write letters on members behalf for legal issues
  • Complete a simple Will for member and family and update it annually for free.
  • Provide advice for member to represent themselves in small claim court.
  • Provide assistance in solving member problems with government programs.
  • Discounted Legal Fees on items such as Traffic Ticket Defense, Name Change, Simple Will with Trust, Chapter 7 Bankruptcy, Spouse and Child Non-Support, Simple Divorce, Registering a Corporation, Personal Real Estate Closings, etc.
  • Guaranteed Fixed Hourly Rates – in the event a member requires extended legal representation, our plan member attorney’s by contract will never charge more than $75.00 per hour for (in) or (out) of court representation. In most cases, the attorney’s will be able to estimate the amount of hours any given case may consume prior to beginning work on the case.
  • Discount on Contingency based Cases – contingency fee will be a 10% reduction of the State maximum rate or the attorney’s usual rate, whichever is lower.
  • Law Areas Included – does not exclude any type of law area.
    
• Credit Monitoring Assist :
  • Provides for voluntary enrollment in  “assisted” or “managed” Credit Report Monitoring
  • Alerts are received via email or telephone with complete instructions about how to obtain a members federally and state mandated free credit report
  • Requires the member to opt-in via phone or email
  • Assistance in reading and understanding Credit Reports is provided

NXG understands there is no “one-size-fits-all” solution.  Ask your product provider or Contact NXG today to receive a thorough needs analysis, pricing and proposals on any of our programs.