The Best Answer The Problem… Employees are not productive and absenteeism sky rockets when Legal and Identity Theft issues arise. The Solution… Comprehensive Legal and Identity Theft programs fromLegal Shield (LS) Services, Inc. and Kroll Worldwide, Inc. Presented by: Adolphus M Bethune & Associates Independent Associate Legal Shield Services, Inc. Email: email@example.com Legal/IDT info: www.legalshield.com/hub/abethume Phone: 704-210-8363
The Best Answer Legal Shield Services, Inc.• Based in Ada, Oklahoma, International Service (US, Canada)• 34 years Old, 1.6 million members, 38,000 companies• Listed on the New York Stock Exchange (PPD)• Written up in major publications• 60-80% typical enrollment, 4.7 per year usage• 60-80% typical retention• Month to month service• No cost to the employer• May not be used against the employer
The Best AnswerEven law abiding Americans will encounter legalsituations 4 to 6 times per year. American Bar AssociationWhat do your employees legal issues mean to your company?Employees with legal situations normally do not discuss them with upper management but they: • Are absent fives times more than average. • Use their medical benefits four times more than average. • Use sick leave twice as often. • Experience a substantial reduction in productivity.
The Best Answer ®Legal Services , Inc. and Kroll Background America are the only companies with a suite of products to providehelp in every area of Legal and Identity Theft situations – before, during, and after the crime occurs…
The Best Answer Six Areas of Coverage – Life Events Legal Plan Only $3.68 per week, per family 25 %Preventive Motor Trial Federal Other LegalLegal Vehicle Defense Tax Audit Legal ShieldServices Legal Services Legal Services Services Service
The Best AnswerService is all we sell.Legal Shield Services, Inc. has contracted with some of the most prestigious law firms in the US/Canadato provide services for our members. Each provider law firm receives a portion of all membership dues intheir State/Province. In each State/Province we pay our lawyers millions of dollars each year… and that’swhy our members get great service.We back it up with an outstanding customer service departmentAny discrepancies, complaints, or membership issues are directed to highly trained customer servicerepresentatives so situations get resolved immediately. All issues are investigated.Who Is Covered:The member, the member’s spouse (or domestic partner) • Never married dependent children under 21 living at home • Never married dependent children under age 18 for whom the member is legal guardian • Never married dependent children who are full time college students up to age 23 • Physically Or Mentally Challenged Child, living At Home never married regardless of age
The Best AnswerWhat is covered: • Unlimited telephone consultation with an attorney (sometimes just knowing your rights can make all the difference). • Letters written or phone calls made by an attorney on your behalf (letters and phone calls from your attorney can be very powerful when you are not being treated fairly). • Contract and document review (have your attorney review the documents before buying a car, leasing an apartment, buying a house, joining a gym, etc.). • Comprehensive Will preparation for member and spouse/domestic partner (including living will, medical power of attorney and minor’s trust). • Representation for moving traffic violations. (your attorney can be helpful in keeping points off your license so your insurance doesn’t go up; and many times the attorney can go to court for you so you can stay at work). • Representation for motor vehicle criminal charges (including manslaughter and negligent homicide). Continued
The Best Answer Continued• Representation for civil law suits and job related criminal charges (includes 60 hours pre-paid for in the first year escalating to 300 hours by the fifth year).• Representation for IRS audits (includes 50 of tax attorney time for personal, Federal tax audits).• Minimum 25% discount for all services not otherwise covered (including DUI, bankruptcy, contested divorce, pre-existing issues, criminal charges, etc.).• 24 hour Emergency Service (you may contact your attorney immediately 24/7 if you are being arrested, questioned or detained by any law enforcement, court, or security personnel). More than half of all US households have an on-going legal situation at any given time. American Bar association Let’s make sure your employees issues are resolved without them missing work.
What Is Identity Theft?You already know the types of legal issues your employees deal with but do you know the five common types of identity theft ? Drivers License Social Security Medical Character / Criminal Financial Identity Identity Theft Identity Theft Identity Theft Identity Theft Theft •You get pulled over for a routine traffic stop and it turns out somebody else received tickets in your name. •Someone got a job in your name and didn’t pay any taxes, or they have applied for your Social Security benefits. •Someone uses your medical insurance and they have a diagnosis that prevents you from receiving treatment. •Someone commits a crime in your name. •Loans, credit cards, cars, cell phones, utilities, home finance, etc. are purchased in your name.
What Is Identity Theft? “Each year, 7 to 10 millionAmericans fall prey to Identity Theft… From massive data-brokerage firms to tiny local banks, your identity is irretrievably ‘out there.’ ”
What Is Identity Theft? The Data Based You™ Your Insurance Claims Your Name Your Social Security Number SSA DBS C.L.U.E. DBS, etc... 1000’s of aggregators Your Driver’s License # and Your Address Record – DMV DBS 1000’s of DBS Your Military Record Your Fingerprints and DNA DOD DBS FBI, State, and Local DBS Your Criminal History Your Legal History NCIC DBS State and Federal Court DBS Your Real Estate Deeds Clerks of Court DBS Your Credit History Your Medical Records Credit Repositories’ DBS MIB DBS, etc … Your Birth CertificateYour Phone Number and Tracking Info Choice Point DBS, State, etc1000’s of aggregators … Your Car Registration & Info DMV, Local Treasurer, On Star, etc … DBS
™ What Is Identity Theft?Lost, Hacked, or Stolen… Notables ChoicePoint: 145,000 CitiFinancial: 3.9 Million MasterCard: 40 Million AOL: 92 Million Veterans Admin: 26.5 Million So many laptops Bank of America: 1.2 Million … we lost count i.e. Hotels.com Acxiom: 1.2 Billion (Ernst & Young) You can’t control The DataBased You
The Cost of Identity Theft and Legal IssuesThe Cost to Individuals The average dollar amount charged in Identity Theft: $92,893 The average number of checks written in Identity Theft: 74.6 The average number of credit card applications approved through Identity Theft: 8.4Laws hold victims partially responsible for fraudulentdebt after 48 hours, and hold them fully responsible ifnot reported within 60 days…
The Cost of Identity Theft and Legal IssuesThe Cost to Businesses Employees can take hundreds of business hours to restore their identities “If you experience a security breach, 20 percent of your affected customer base will no longer do business with you, 40 percent will consider ending the relationship, and 5 percent will be hiring lawyers!*” “When it comes to cleaning up this mess, companies on average spend 1,600 work hours per incident at a cost of $40,000 to $92,000 per victim.*” * CIO Magazine, The Coming Pandemic, Michael Freidenberg, May 15th, 2006
The Best AnswerThree Areas of Coverage for ID Theft Only $2.30 per week, per family Credit Report Continuous Monitoring Restoration ServicesIs everything correct? Keep an eye on your credit Let the experts do the work for you
The Best AnswerWho is covered: • Member and members spouse (or domestic partner).What is covered: • Credit report (including history and score. Provided as an internal check not affecting credit score). • Credit monitoring (includes changes, updates, reports and liens reported to Experian). • Credit Restoration in the event of Identity Theft (includes full restoration services as opposed to only credit counseling, resolution counseling, or information aggregation). • Fraud alert notifications will be sent on your behalf and follow up will be performed. • Proactive searches will be performed including applicable criminal records checks, department of motor vehicle checks, unknown addresses affiliated with our name, and banking facilities checks.Services provided by Kroll Background America: • Listed on the NASDAQ (KROLL) • Considered the worlds finest risk management and Identity Theft restoration firm. Let Pre-Paid Legal Services, Inc. andKroll Background America provide your early warning system.
The Best AnswerThe Best Answer … The Complete Wall of ProtectionLife Events MonitoringLegal Plan Services Client Restoration Services
The Best Answer The Process…• 15 minute presentation to employees.• Ten minutes for the paperwork.• Usually done at staff/safety/shift meetings.• All employees to fill out a Legal and Identity Theft form.• Post payroll billing.• No long term agreement.• No administrative hassle, no claim forms.• Guaranteed issue/portable. * This document is not an official PPLSI contract and is intended for demonstration purposes only. Only an official PPLSI contract can define services.