February 29, 2012



Everyone deserves legal protection. (membership runs from $16 to $25.90 per employee per month)
Now, with LegalShield, everyone can access it.
With LegalShield, everyone can have access to legal protection – no matter how trivial, no matter how traumatic. Whatever situations your employees are facing, we are here to help. From real estate to divorce advice, identity theft and beyond, we have their rights covered. Welcome to total peace of mind.
Welcome to LegalShield.
The Bottom Line…
Reduce absenteeism. One in three employees took time off work (an average of 13 days) for a legal problem in the last year (Russell Research, April 2007), while 70% of those enrolled in a group legal plan did not take any vacation days toward resolving their legal issues, compared to half of those who hired their own lawyer (Harris Interactive, 2011).
Increase productivity. Workers enrolled in a legal plan spent 25% less time resolving their legal matters compared to those who hired a lawyer on their own (4.4 weeks vs. 6.1 weeks on average, Harris Interactive, 2011).
Help reduce your employee’s stress. Allow our services to help them with everyday life challenges. When employees are stressed from legal or identity theft issues, their health suffers and medical claims may go up.
Keep a progressive company image. Show that you care about your employees.
An Industry Leader
• No other legal plan offers 24/7 access to a lawyer in covered emergency situations.
• No other legal plan offers our exclusive Provider Law Firm delivery system. An employee dials directly to their province’s Provider Law firm. A Lawyer, not a paralegal, returns the call to the employee or covered family member within 8 business hours. State of the art quality control measures are in place to ensure quality service is delivered.
• Our Identity Theft Shield plan provides both Credit Monitoring and Full Restoration Services through licensed investigators at Kroll (the world leader in risk management).
• Our network of independent sales associates is extensive and readily available for employee presentations, on-site workshops, lunch-and-learn presentations, etc.
• Currently servicing 34,000 accounts across North America.
• Our members have access to more than 10,000 network lawyers and 50 Provider Law Firms.
• Offering legal plans since 1972, currently providing services to 1.4 million households which represent approximately 4 million members. 

Richard Figley
Independent Associate
614-395-2313
www.800-DO-A-WILL.com

 

For Your Employees

As an employer, have you ever:

• Had an employee take time off work for personal legal or identity theft related issues?
• Lost productivity because of an employee's loss of focus on the job?
• Had to deal with complicated administrative forms and deductibles with your employee benefits?

If you answered yes to any of these questions, we may be able to help.

With a LegalShield plan, your employees will have direct toll-free access to a carefully selected Provider Law Firm for legal issues. With the Identity Theft Shield^SM, they can rest assured knowing conspicuous activity on their credit report is being monitored. If their identity is stolen, we not only provide counsel, we'll work to restore their identity for them. This leaves them free to focus on their job, not their problems.

Employees don't merely shop employers. They shop benefits. A LegalShield plan gives you a competitive advantage for recruiting new employees and keeping them.

A proven concept in employee benefits

A leading provider and pioneer in the legal service plan industry in North America, we have the experience and proven service record to save you and your employees time and money.

How the Legal Service Plan Works

Members are served by a provider law firm, which has been carefully screened and selected by LegalShield. To use the plan, members simply call their provider law firm directly at the toll-free number on their membership card when they have a legal question or problem. It's really that simple. LegalShield does all the work; no flipping through the yellow pages for a qualified lawyer; no claim forms, no worries about being able to afford a lawyer – just peace of mind.

Identity Theft – America's Fastest Growing White Collar Crime

On average, identity theft victims will spend $1,500 in out-of-pocket expenses and an average of 175 hours in efforts to resolve the many problems caused by this crime. - Federal Trade Commission: When Bad Things Happen to Your Good Name, September 2002.
Help your employees take steps to protect their personal and financial well-being with this exceptional product. Generally other identity theft plans will provide coverage for a specific credit card or bank account. We help your employee with all issues related to identity theft. Other plans will provide assistance, tell your employee how to handle certain issues, and provide them with forms, but we will actually do most of the work it will take to restore your employee's identity if it is stolen!
Benefits include:

• Credit Reports
• Continuous Credit Monitoring
• Identity Restoration

With the Identity Theft Shield^SM you're backed by toll-free access to experienced professionals from a division of the world's leading risk consulting company, Kroll. Please see plan benefits for full information and exclusions that may apply.
For a low monthly fee (offered through voluntary payroll deduction, or a full or partial fringe benefit) your employees can have access to valuable benefits that cover the most common legal needs they'll encounter. They'll also have peace of mind when considering the potential threat of identity theft.
Our plans and benefits vary by state and province. Please see your local Associate for the full benefits in your area.
A LegalShield plan is easy to implement. We know how difficult benefits administration can be, so we've made it easy for you.

• No long-term contract
• No claim forms
• No deductibles
• No time-consuming administrative duties
• No cancellation forms
• Once a month billing
• Electronic enrollment and paperless billing options
• One rate for any size family
• Portable benefits

Your employees simply enroll by completing the application and their coverage begins immediately. It's that simple.

Richard Figley

Independent Associate
614-395-2313
www.DO-A-WILL.com

140,000 Identity Theft Frauds against Children each year

February 27, 2012


Would it surprise you to know that almost every child born is a potential victim of identity theft? A Chicago Tribune article in January reported “there are 140,000 identity frauds committed against children per year in the United States.” While it’s not something for parents to obsess about, there are steps you can take to prevent identity theft from happening to your child.

Protect that social security number

Last year, the Social Security Administration began issuing random social security numbers, however, anyone born before that most likely has a sequential number based on their geographic location. Most identity thieves have caught on to taking the social security numbers of children and using them to access multiple lines of credit because no one checks a child’s credit report. In fact, it’s difficult to access a report based solely on a social security number.
While you can check a credit report for free each year, there are other things that can tip you off to a potential breach in identity: receiving credit offers in your child’s name, receiving documents pertaining to jobs your child has never had, or being denied credit due to poor credit history.

Why worry about identity theft?

When your child is 6 or 7 years old (or younger!) you may not even be thinking about credit opportunities or loan issues. But many families will find themselves relying on financial aid for college after their children graduate from high school. If a parent can take the time earlier on to check for any red flags or indications of identity theft when their child is still high school, they will have given themselves the time to correct anything that’s incorrect. A clear credit report will make securing college monies much easier down the line.
While identity theft of children isn’t an epidemic, more and more children are creating online identities earlier and younger. Gaming, school requirements, and the prevalence of tablets and smart phones make capturing an unsuspecting child’s identity possible. Taking a few steps and being vigilant with your child’s information can save you worry and trouble in the long run.


Richard Figley
Independent Associate
614-395-2313
Obtain ID Theft Restoration HERE

What We Do

We give members access to professional legal counsel not only for traditional legal problems, but for everyday events such as buying a house or a car, creating a will, handling a problem with an insurance company, dealing with identity theft, and much more where legal review should be routine, but rarely is. These events can be among the most important events in a person's life, yet there is a tendency for them to take place without proper legal review. For LegalShieldd® members, access to legal counsel is only a toll-free phone call away.

LegalShield® was one of the first companies in the United States organized solely to design, underwrite and market legal expense plans. For a low monthly fee of $26 or less, the Company's legal expense plans (referred to as memberships) offer a variety of legal services in a manner similar to medical reimbursement plans or HMOs.

The Company currently provides legal services to over 1.4 million families across the U.S. and Canada. Plan benefits are delivered through a network of independent provider law firms. Members have direct, toll-free access to their provider law firm rather than having to comb through a yellow-page style directory for a referral. Provider firms are carefully selected and the quality of service is closely monitored to maintain the high standards of LegalShield® .

Additional Information

Our members are served by a provider law firm which has been carefully screened and selected by LegalShield®. Using the plan, members simply call their provider firm directly at the toll-free number on their membership card when they have a legal question or problem. It’s really that simple. LegalShield® does all the work; no searching for a qualified lawyer, no claim forms, no worries about being able to afford a lawyer – just peace of mind.

Plans for Employers (Employee Benefit Program) go HERE

Plans for Individuals and Families go HERE

Plan for Identity Theft go HERE

Richard Figley
Independent Associate
614.395.2313
www.800-DO-A-WILL.com

ID Theft Now a Professional Business

 

Sending A Better Message About Identity Theft Protection

By Denise Richardson on February 15, 2012 7:18 PM

In today's precarious world, where cyber-crime is rampant and identity theft is a growing problem, you may want to think twice before following any advice that you get regarding how to protect your financial well being. Your identity is your most important possession. Don't get fooled into letting your guard down for even one moment.  I'm worried that if those who write about identity theft in a manner that minimizes its effects or in a way that doesn't take identity theft seriously, then the public won't take it seriously either.  And that's a recipe for disaster.   

According to Consumers Union, a nonprofit organization designed to empower consumers with the ability to protect themselves, ID protection services aren't necessary to keep your credit cards and checking accounts safe from thieves. Much more useful solutions are available today that just a few years ago were not. But nobody is talking about them. Instead, some people continue to push the "do it yourself" route --whether we want to or not.

Making a blanket statement that identity theft services aren't worth their nominal annual cost is similar to declaring that consumers shouldn't buy -and shouldn't want to buy- the latest and greatest iPhone, or Kindle, or even that new car. This might seem like a stretch at first, but think about it; the value of these objects lies not in their cost but in the consumers' perception of them.  Instead of buying an iPhone I could buy a $20 cell phone and still make calls with it; for $50 I could buy a generic smartphone that would give me a few more advanced features. The thing is: It's up to me to decide what I find important and what I view as a value to me. 

In a nutshell; if I want a phone, Consumer Reports heartily recommends that I do the research and pick the one that will serve me the best. They provide useful reports and key info on various products on the market today.  Why not say the same about identity theft protection? I can't help but think it would be far more helpful if Consumer Reports would provide comparisons and evaluations of existing identity theft protection services rather than simply saying ---they aren't worth it. That way, consumers receive the benefit of Consumers Union's opinion as to which services can protect them from credit related fraud and/or identity theft based upon what these services offer.

Unless you've been a victim of identity theft or personally witnessed the havoc that it can create for someone you know, you really may not understand the value of signing up for identity theft protection. Today's thieves are savvy. They aren't just looking to tap into credit cards and steal money out of bank accounts. If they manage to get your social security number, then they may also want to use your identity to sign up for Medicare, Food Stamps, Social Security, or unemployment insurance. Once they steal your identity, these thieves can hi-jack tax returns, buy cars, homes, and more. They can commit crimes, and if they get caught, you are the one whose name goes on the police report. You are the one who gets arrested when you don't show up in court.

A Detroit woman, Vontara Colbert-Redmond, knows first hand just how devastating identity theft can be. In 2007, a thief took her purse, emptied her bank accounts, obtained a driver's license in her name, and got it suspended. Vontara lost her ability to drive to work, lost her job, and lost the freedom to live the "American dream" because someone else had stolen it from her.

Mashara Williams, who also became a victim of identity theft, fully understands how it can follow you around years after you thought that it had been resolved. Three years after her identity was first stolen, Mashara ended up in jail for a failure-to-appear charge aimed at the identity thief. Her nightmare began all over again. Would identity theft protection have prevented this from happening? Quite possibly. After all, Mashara may have been alerted to fraudulent use of her personal information early on in this scenario.

Consumers Union uses statistics to back up their assertion that id theft crime rates have declined, while completely ignoring other information.  They say that identity theft is on the decline, but neglect to point out that the average amount of out-of-pocket expenses related to identity theft has risen significantly over the last few years. They also ignore the fact that ID theft has been shifting to new targets, and that the IRS is literally overwhelmed at the moment with complaints about stolen tax returns.  The FTC released a notice recently stating that identity theft complaints have risen by a full 50% just since tax season started.  ID theft has become a professional business. It continues to truly baffle me why it is that Consumer Reports continues to downplay identity theft and sends a message to consumers that essentially says; don't worry about fraud.   

While an identity theft protection service might not have made sense 5 or so years ago, times have changed drastically, and it makes perfect sense today.  Without it, you cannot do anything. You cannot purchase a home or a car, get a job, apply for retirement benefits, open a bank account, or get a credit card. Your identity is critical to your ability to achieve your dream of living a good life.

As a consumer, don't get caught up in the belief systems of people who don't consider identity theft insurance/protection as being necessary. That's the wrong message. I have been an outspoken proponent of the identity theft protection industry and those who have focused on making consumer protection and fraud prevention education a top priority. I continue to hope that one day, identity theft protection professionals, whether competitors or not, and  consumer protection groups will all see the value in working together to find solutions and not against those who are trying to.  If id theft crime rates have dipped --it's most likely due to the very advances the identity theft protection industry has made. It's unlikely that criminals have lost interest in identity theft --or will anytime soon.

Richard Figley
Independent Associate
614-395-2313
www.800-DO-A-WILL.com

 

Not even kids safe from identity theft

When children are victims, crime can go undetected for years, experts say 

 

By Joseph Ruzich, Special to the Tribune

January 25, 2012

Millions of cases of identity theft are reported in the United States each year.
And although most of the victims are adults, children are not immune to having their identities stolen.
Indeed, according to experts, children often make easier targets for several reasons, including the fact that the identity theft can go undetected for years.
"Almost every child is a potential victim," said Gabby Beltran, victim adviser with the San Diego-based Identity Theft Resource Center. "All thieves need to do is to obtain a child's Social Security number. It can be devastating for them (children) later in life."
A financial identity theft against a child occurs after someone uses the child's Social Security number and name to establish new lines of credit. There are 140,000 identity frauds committed against children per year in the United States, according to a study by ID Analytics Inc., a consumer risk management company. The study also found that thieves open up credit cards and are involved in wireless financial activities about 60 percent of the time.
So just how do thieves acquire a child's Social Security number? The process is often easy for them.
Since the 1980s, most children have been issued Social Security numbers at birth as a way to stop thieves from applying for a child's Social Security number before they do. The new safeguard, however, had an opposite effect on stopping fraud, some experts say.
Many thieves have been able to figure out a Social Security number using a government-issued sequence based on when and where the child was born, said Beltran.
The good news is that the Social Security Administration started issuing random numbers last year, but those born before the new initiative are still at risk.
And thieves still can steal identities by hacking into computers or snatching Social Security cards.
Thieves also have the upper hand because the age of the applicant cannot be verified by credit issuers based on the Social Security number alone. Thus, they can put any age they want on a credit application. And the age on the first credit application becomes that person's "official" age in terms of credit history, according to experts.
Beltran said a child's credit history can go undetected for years, since children should not have credit reports and parents would not expect a problem.
"By the time accounts go into collection (agencies), it could take several years … from the commission of the crime," said Beltran. "There are some 16-year-olds who can't get a job, for example, because they learn they have a criminal history (report on the number) or bad credit. That should be a red flag."
She said other red flags may include getting calls from collection agencies or receiving bill notices and offers from credit card and loan companies.
Chaplin said another common way thieves steal children's Social Security numbers is through parents simply losing the cards.
"Never carry their card with you," he said. "Put it in a safe place."
He suggests giving out a child's Social Security number only sparingly and to ask why it is necessary.
Beltran said parents and relatives may use a child's identity thinking that the act is harmless. One example may be parents who don't have Social Security numbers, such as undocumented immigrants, who sometimes use their child's identity to apply for loans or to turn on utilities.
"They (parents) may have good intentions of paying (their bills) … but it is still illegal" to steal your own child's identity, said Beltran.
Tom Joyce a spokesman with the Better Business Bureau in Chicago, suggests that parents check their child's credit report around their 16th birthday. Joyce said this will leave sufficient time to fix errors and other activity before the child goes to college and tries to obtain financial aid.
The process for obtaining credit reports for children is different from the process for adults. Parents must work directly through the credit reporting agency, such as TransUnion, and include a copy of the parent's identification, a copy of the child's Social Security card and a copy of the child's birth certificate, among other things.

While we can't stop your identity from being stolen, we can make your life easier  with our Identity Theft Shield from LegalShield

Richard Figley
Independent Associate

614.395.2313

www.800-DO-A-WILL.com

 

Child Identity Theft Cases Frightening Surge

by Ben DeMeter on February 10, 2012

Imagine getting a notice from the bank informing your six-year-old that she missed a payment on her mortgage. That scenario certainly seems ridiculous, but there are thousands of families around the country who will tell you that the chances of it happening are very real. Every year, more and more children are victimized by identity theft. Their untouched Social Security numbers are stolen and used to take out mortgages and loans which destroy their credit ratings before they’re teenagers. And the worst part about it? Most children don’t even know that they’re victims until it’s too late.
Child identity theft used to be a rare crime, but that all changed with the invention of the Internet. As more and more children integrated the World Wide Web into their lives, thieves began to discover numerous methods of taking a child’s pristine identity for their own. According to the FTC, the number of reported cases of child identity theft had grown to 18,000 last year, with some independent research firms estimating that one out of every ten children in America has had their identity used by someone else. “The criminals are focused on where is the softest target and we’re handing them our kids,” says Michelle Dennedy, who was the chief privacy officer for Sun Microsystems. Her daughter is nine years old and has already had her identity stolen twice.
According to Dennedy, identity thieves aren’t just targeting our children because their information is easy to lift from school or social service databases – they’re also after the clean record associated with a child’s Social Security number. Credit card companies have no way of verifying age on their applications, so a thief can use a child’s record-less Social Security number to create a totally new person. Thieves can apply for dozens of cards and loans, and since most kids don’t get a background check until they’re teenagers, those thieves can get away with it for years. There are tons of strange and disturbing scenarios to imagine. Here’s one: a 17-year-old applies for a job only to discover that she owns several houses and carry $700,000 in debt. That actually happened.
So how do you prevent child identity theft from happening to your family? Not easily, unfortunately. Since it’s illegal for anyone under 18 to use a credit card, most credit agencies will refuse to check your child’s credit rating to make sure they’re safe. The most effective thing you can do is to be on the lookout for any signs that your child’s identity has been compromised – for example, watching to see if they receive any credit card applications in their name. You should also be cautious about giving out your child’s Social Security number – even to their own school. Make sure that it’s absolutely necessary to disclose any risky information before taking the leap. If you discover that your child has been a victim of identity theft, don’t panic. Since no contracts can be considered legally binding until the signer is 18 years old, clearing your child’s name is as easy as showing their birth certificate to the debt collectors. The lenders won’t be happy, but they can’t change the law no matter how much money they’ve lost.
While these steps won’t prevent child identity theft altogether, following them should at least reduce the risk that yours could become a victim. For now, that’s the best anyone can do.

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Richard Figley

Independent Associate

www.800-DO-A-WILL.com