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Welcome
Lost Time = Lost 
$$$$
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
The Federal Trade Commission “FTC” reports that identity 
theft has been the number one consumer complaint for 13 
consecutive years, with over 12.6 million victims a year.
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
The average identity theft victim can spend hundreds of hours 
in the process of restoring their identity. 
Much of this time must be spent during normal business hours.
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
Seven out of ten employees experience at least one legal event 
a year. Out of the employees who experienced an event, 69% 
have experienced two or more. Less than one third of these 
employees used an attorney to resolve their issue.
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
The average employee takes 13 days a year off work, and 
spends nearly $1300 personally to deal with legal life events.
National Studies by Gartner 
Research and Harris Interactive 
press release 
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
Seven out of ten employees said they would 
find a legal plan to be a useful benefit.
National Studies by Gartner 
Research and Harris Interactive 
press release 
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
Legal plans can save employees hundreds of dollars in legal fees, 
help them make timely and accurate decisions, reduce personal 
and family stress and help them achieve more productive goals!
Why do thousands of 
businesses currently 
offer legal and 
identity theft 
protection plans to 
their employees? 
Recent studies suggest that as many as 3.5 million children have 
already fallen victim to identity theft in the United States. This 
number is expected to grow considerably in the coming months.
Credit 
Driver’s 
License 
Social 
Security 
Medical 
Minors 
Criminal 
/ 
Character 
Common Types of 
Identity Theft
A Solution to... 
The Fastest Growing 
Crime in America! 
 Credit Report With Score 
 Continuous Credit Monitoring 
 Fraud Restoration Service 
 Coverage for Minor Children 
Safeguard For Children 
 Monitor for the existence of a credit report 
 Notify you when a credit file is found to exist 
 Alert you with “no file found” notifications when no file is found 
 Provide valuable safeguarding, consultation, and restoration services
Monitoring Plans 
• Credit Monitoring is the single best 
method to detect financial identity 
theft, but typically does not provide 
restoration of a victim’s identity. 
Reimbursement 
Plans 
• These plans reimburse a victim’s 
out-of-pocket expenses, but they 
still have to do all or most of the 
restoration work themselves. 
Fraud Alert Services 
• Putting a Fraud Alert on your 
Credit Report, may help to prevent 
Financial ID Theft, it does not 
address any other area. 
Restoration Plans 
• Restoration plans assist in 
actually restoring a victim’s 
identity. 
• Licensed fraud investigators 
perform the restoration on the 
victim’s behalf! 
•Members spend substantially 
less time and money, with 
guaranteed restoration.
When an employee becomes a victim of identity theft, 
they will normally also encounter legal issues as well, 
and access to an attorney 24/7 may be critical. 
Identity Theft 
Shield, by Kroll 
Legal Access 
Plan, by 
LegalShield 
By combining the Identity Theft Shield with LegalShield, your 
employees 
will have one of the most comprehensive benefit plans available
Preventive Law 
Legal Advice 
Letters and Telephone Calls 
Legal Contract & Document 
Review 
Mortgage Document 
Preparation 
24/7 Emergency Access 
Estate Planning 
Last Will and Testament 
Living Will 
Healthcare Power of 
Attorney 
Annual Updates Included 
Motor Vehicle 
Moving Violations 
Driver’s License 
Criminal Charges 
Personal Injury 
Family Law 
Divorce 
Adoption 
Name Change 
Trial Defense 
Defense of Civil Actions 
Pre-trial and Trial Hours 
IRS Audit Representation 
25% Member Discount on 
Services not Covered
Offering Legal and Identity Theft Plans 
to Your Employees Has a Positive 
Financial Impact on Your Company! 
Education is one of the best ways 
to prevent identity theft 
Harvard Risk Management Corporation offers identity 
theft workshops for employees, at no cost to your 
company.
Offering Legal and Identity Theft Plans 
to Your Employees Has a Positive 
Financial Impact on Your Company! 
Employees have attorneys to take care of 
personal legal issues. 
They are less likely to take time 
off work, substantially reducing 
employee stress and sick leave. 
Employees who are victims of identity theft 
will typically use hundreds of day time hours 
to go through the process of restoration. 
Identity Theft Shield’s Licensed 
Fraud Investigators restore your 
employee’s identities for them, 
thereby allowing your employees to 
remain productive.
Employees can not use the Legal Plan against the employer.
Plan Type Monthly Weekly 
Legal & Identity Theft $28.90 $6.67 
Legal Only $18.95 $4.37 
Identity Theft Only $14.95 $3.45 
 Includes Spouse Coverage 
 Includes Coverage for Minors 
 Benefit is Portable at Same Rate 
 Enrollment Fees are Waived
◆ In business since 1993 
◆ Over 1,800 employee benefit specialists in North America 
◆ Benefits offered to thousands of businesses and associations nationwide 
◆ Specializing in employee benefits & identity theft solutions 
◆ Committed to excellence in service and support 
◆ Founded by Harland C. Stonecipher in 1972 
◆ National network of professional law firms who are paid in excess of 100 million dollars each year 
◆ Ranked as one of Forbes’ 200 Best Small Companies in America, six of ten years 
◆ Over 50,000 corporate clients 
◆ Corporate office in Ada, Oklahoma 
◆ Over 1.5 million members in North America 
◆ Kroll is the world’s leading risk consulting company 
◆ Founded in 1972 by Jules Kroll 
◆ Headquartered in New York 
◆ Annual revenues in excess of 1 Billion USD 
◆ Operates in 65 cities and 33 countries with over 3,800 employees 
◆ Kroll maintains a superior expertise in monitoring credit and restoring the lives of identity theft victims
Let’s Get Started !

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Harvard Risk Management Corporation: 2014 Benefits Presentation

  • 2. Lost Time = Lost $$$$
  • 3. Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? The Federal Trade Commission “FTC” reports that identity theft has been the number one consumer complaint for 13 consecutive years, with over 12.6 million victims a year.
  • 4. Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? The average identity theft victim can spend hundreds of hours in the process of restoring their identity. Much of this time must be spent during normal business hours.
  • 5. Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? Seven out of ten employees experience at least one legal event a year. Out of the employees who experienced an event, 69% have experienced two or more. Less than one third of these employees used an attorney to resolve their issue.
  • 6. Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? The average employee takes 13 days a year off work, and spends nearly $1300 personally to deal with legal life events.
  • 7. National Studies by Gartner Research and Harris Interactive press release Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? Seven out of ten employees said they would find a legal plan to be a useful benefit.
  • 8. National Studies by Gartner Research and Harris Interactive press release Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? Legal plans can save employees hundreds of dollars in legal fees, help them make timely and accurate decisions, reduce personal and family stress and help them achieve more productive goals!
  • 9. Why do thousands of businesses currently offer legal and identity theft protection plans to their employees? Recent studies suggest that as many as 3.5 million children have already fallen victim to identity theft in the United States. This number is expected to grow considerably in the coming months.
  • 10. Credit Driver’s License Social Security Medical Minors Criminal / Character Common Types of Identity Theft
  • 11. A Solution to... The Fastest Growing Crime in America!  Credit Report With Score  Continuous Credit Monitoring  Fraud Restoration Service  Coverage for Minor Children Safeguard For Children  Monitor for the existence of a credit report  Notify you when a credit file is found to exist  Alert you with “no file found” notifications when no file is found  Provide valuable safeguarding, consultation, and restoration services
  • 12. Monitoring Plans • Credit Monitoring is the single best method to detect financial identity theft, but typically does not provide restoration of a victim’s identity. Reimbursement Plans • These plans reimburse a victim’s out-of-pocket expenses, but they still have to do all or most of the restoration work themselves. Fraud Alert Services • Putting a Fraud Alert on your Credit Report, may help to prevent Financial ID Theft, it does not address any other area. Restoration Plans • Restoration plans assist in actually restoring a victim’s identity. • Licensed fraud investigators perform the restoration on the victim’s behalf! •Members spend substantially less time and money, with guaranteed restoration.
  • 13. When an employee becomes a victim of identity theft, they will normally also encounter legal issues as well, and access to an attorney 24/7 may be critical. Identity Theft Shield, by Kroll Legal Access Plan, by LegalShield By combining the Identity Theft Shield with LegalShield, your employees will have one of the most comprehensive benefit plans available
  • 14. Preventive Law Legal Advice Letters and Telephone Calls Legal Contract & Document Review Mortgage Document Preparation 24/7 Emergency Access Estate Planning Last Will and Testament Living Will Healthcare Power of Attorney Annual Updates Included Motor Vehicle Moving Violations Driver’s License Criminal Charges Personal Injury Family Law Divorce Adoption Name Change Trial Defense Defense of Civil Actions Pre-trial and Trial Hours IRS Audit Representation 25% Member Discount on Services not Covered
  • 15. Offering Legal and Identity Theft Plans to Your Employees Has a Positive Financial Impact on Your Company! Education is one of the best ways to prevent identity theft Harvard Risk Management Corporation offers identity theft workshops for employees, at no cost to your company.
  • 16. Offering Legal and Identity Theft Plans to Your Employees Has a Positive Financial Impact on Your Company! Employees have attorneys to take care of personal legal issues. They are less likely to take time off work, substantially reducing employee stress and sick leave. Employees who are victims of identity theft will typically use hundreds of day time hours to go through the process of restoration. Identity Theft Shield’s Licensed Fraud Investigators restore your employee’s identities for them, thereby allowing your employees to remain productive.
  • 17. Employees can not use the Legal Plan against the employer.
  • 18. Plan Type Monthly Weekly Legal & Identity Theft $28.90 $6.67 Legal Only $18.95 $4.37 Identity Theft Only $14.95 $3.45  Includes Spouse Coverage  Includes Coverage for Minors  Benefit is Portable at Same Rate  Enrollment Fees are Waived
  • 19. ◆ In business since 1993 ◆ Over 1,800 employee benefit specialists in North America ◆ Benefits offered to thousands of businesses and associations nationwide ◆ Specializing in employee benefits & identity theft solutions ◆ Committed to excellence in service and support ◆ Founded by Harland C. Stonecipher in 1972 ◆ National network of professional law firms who are paid in excess of 100 million dollars each year ◆ Ranked as one of Forbes’ 200 Best Small Companies in America, six of ten years ◆ Over 50,000 corporate clients ◆ Corporate office in Ada, Oklahoma ◆ Over 1.5 million members in North America ◆ Kroll is the world’s leading risk consulting company ◆ Founded in 1972 by Jules Kroll ◆ Headquartered in New York ◆ Annual revenues in excess of 1 Billion USD ◆ Operates in 65 cities and 33 countries with over 3,800 employees ◆ Kroll maintains a superior expertise in monitoring credit and restoring the lives of identity theft victims