Your identity is secure with CareShield

LifeLock proactively protects you from identity theft before an incident occurs. If your identity is stolen while you are a member, they'll fix the problem, no questions asked.

Key features:

• Full control and oversight of any credit accounts issued in your name
• Assistance in applying for new credit, if necessary
• Full-service resolution and repair by the world's leading experts, if needed
• Fraud alerts on all credit reports, preventing anyone from opening an account in your name without your knowledge
• Prevents pre-approved credit offers and dramatically reduces junk mail
• Orders credit reports from Equifax, Experian and TransUnion once per year for your files
• Regular Internet searches of your Social Security number, credit card numbers, driver's license number and e-mail addresses to protect against that information being illegally traded or sold online
• Monitors any change of address forms you've filed and alerts you if there are any changes
• LifeLock guarantees that if a member's identity is compromised, they will be reimbursed up to $1 million for their loss

American International Group, Inc. (AIG) has developed personal Internet identity coverage, a group insurance policy* that provides expert assistance and financial relief should you become a victim of identity theft.

Key features:

• Highly trained identity theft specialists are available 24 hours a day, seven days a week to guide individuals through the process of restoring their identity profiles and credit reports
• Identity theft victims will receive an ID Theft Recovery Kit that includes pre-filled professional letters to send to creditors and bureaus
• Coverage provides for lost wages due to time off work to handle a covered stolen identity event up to 12 months after the event
• Expenses related to the recovery of your identity such as defense costs for certain civil suits, re-filing for loans and reimbursement of fees are covered

*Not available in NY

Have access to a nationwide network of over 20,000 plan attorneys that have contracted with Legal Club to provide free and discounted legal services. Receive discounts on legal services like traffic ticket defense, Chapter 7 bankruptcy, simple divorce, and personal real estate closing.

Key features:

Guaranteed low hourly rate:

Plan attorneys have contracted to never charge more than $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate, for legal care that goes beyond the free and discounted services.

Free services included:

• Initial phone consultation
• Initial face-to-face consultation
• Review of independent legal documents
• Plan attorneys will prepare a free Simple Will
• Plan attorneys will help members represent themselves in small claims court
• Assistance in solving problems with government programs such as INS and welfare

Key features:

• Accredited financial counselors are available 13 hours a day, Monday through Friday
• Financial counseling and online resources are available on topics such as:
  • Credit issues
  • Debt and cash management
  • Education funding
  • Investing and financial planning
  • Budgeting and savings
  • Homeownership
  • Taxes
  • Retirement and estate planning
• Access to on-site and online seminars, as well as online educational resources such as tools, calculators and financial articles
• Availability of a debtor education program for members who have filed bankruptcy