Income Protection
Identity Theft Insurance
Overview
The Travelers company-paid identity theft coverage is provided to protect employees and their eligible family members should they fall victim to identity theft. The Travelers policy provides expense reimbursement up to $2,500 per covered person to restore financial health and credit history, the assistance of a dedicated case-manager who will assist victims with clearing up their credit, and six months of credit monitoring.
Additional Details
Comprehensive information about this benefit is available in the Identity Theft Benefit Plan Summary (PDF). In addition, below is some important information about this plan:
> "Identity theft " is defined as the act of knowingly transferring or using, without lawful authority, a means of identification of an insured person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law or a felony under any applicable state or local law.
> Coverage under the identity theft plan includes:
- Lost wages as a result of time taken off from work to meet with, or talk to, law enforcement agencies, credit agencies and/or legal counsel, to complete fraud affidavits, or due to wrongful incarceration arising solely from someone having committed a crime in the Insured's name, up to a maximum payment of $1,000 per week for up to five weeks (up to the policy limit). Lost wages shall not apply in the case of wrongful incarceration absent all charges being dropped or an acquittal.
- Reasonable attorney fees incurred, with the Company's prior consent, for:
a) Defense of lawsuits brought against the Insured Person by merchants or their collection agencies,
b) The removal of any criminal or civil judgments wrongly entered against an Insured Person, and
c) Challenging the accuracy or completeness of any information in a consumer credit report.
- Costs for notarizing fraud affidavits or similar documents for financial institutions, similar credit grantors, or credit agencies that have required that such affidavits be notarized.
- Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors.
- Loan application fees for re-applying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information.
- Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors or credit agencies to report or discuss an actual Identity Fraud.
- Costs for daycare and eldercare coverage
- Identity theft resolution services through Intersections. Once an identity fraud claim is filed, this outside vendor will assign a case manager to work one-on-one with the claimant once they validate the claim. With this service, the claimant will have someone to help guide him/her through the process of addressing the various issues and monitoring his/her credit.
> Getting Reimbursed
- Claims should be reported as soon as possible by calling 800.842.8496.
Eligibility
You are eligible if you are:
- a full-time employee
- a part-time employee working 20 or more hours
Your eligible spouse or domestic partner, your children under 18 and your parents residing in your household are also covered by this policy.
Cost
The identify theft program is provided at no cost to you by Travelers.
Related Programs & Resources
Please review the "Income Protection" and "Work-Life" sections of the Benefits Web Site for more information about related programs and resources.
How to Enroll
No enrollment is required. You are automatically enrolled in the identity theft program.
* This link is accessible only to employees logged into Travelers secure network.
