T he Problem… Em ployeesare notproductive and absenteeism sky rocketsw hen Legaland Identity Theftissuesarise. T he Solution… C om prehensive Legaland Identity Theftprogram sfrom Pre-Paid LegalServices, Inc. and K rollW orldw ide, Inc. Presented by: A dolphusM Bethune & A ssociates IndependentA ssociate Pre-Paid LegalServices, Inc. Email:abethume@ prepaidlegal.com Legal/ID T info: www.prepaidlegal.com /hub/abethum e Phone:877-700-4421 The Best Answer
Transcript
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 from Pre-Paid Legal Services, Inc. and Kroll Worldwide, Inc.
Presented by:
Adolphus M Bethune & Associates Independent Associate
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 Answer
Even law abiding Americans will encounter legal situations 4 to 6 times per year.
American Bar Association
What 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
Pre-Paid Legal Services®, Inc. and Kroll Background
America are the only companies with a suite of products to
provide help 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 PlanOnly $3.68 per week, per family
Preventive LegalServices
Motor Vehicle Legal Services
Trial Defense Services
Federal Tax Audit Legal Service
Other Legal Services
25%
The Best Answer
Legal Shield
Service is all we sell. Pre-Paid Legal Services, Inc. has contracted with some of the most prestigious law firms in the US/Canada to provide services for our members. Each provider law firm receives a portion of all membership dues in their State/Province. In each State/Province we pay our lawyers millions of dollars each year… and that’s why our members get great service.
We back it up with an outstanding customer service department Any discrepancies, complaints, or membership issues are directed to highly trained customer service representatives 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 Answer
What 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,
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
The Best Answer
Let’s make sure your employees issues are
resolved without them missing work.
Drivers License Identity Theft
MedicalIdentity Theft
Financial Identity Theft
Social Security Identity Theft
Character / Criminal 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 ?
What Is Identity 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.
“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?
What Is Identity Theft?
Your Name1000’s of aggregators
Your Fingerprints and DNAFBI, State, and Local DBS
Your Insurance ClaimsC.L.U.E. DBS, etc...
Your Military RecordDOD DBS
Your Criminal HistoryNCIC DBS
Your Real Estate DeedsClerks of Court DBS
Your Legal HistoryState and Federal Court DBS
Your Credit HistoryCredit Repositories’ DBS
Your Birth CertificateChoice Point DBS, State, etc
…Your Phone Number and Tracking Info
1000’s of aggregators
Your Social Security NumberSSA DBS
Your Address1000’s of DBS
The Data Based You™
Your Driver’s License # and Record – DMV DBS
Your Medical RecordsMIB DBS, etc …
Your Car Registration & InfoDMV, Local Treasurer, On Star, etc … DBS
Lost, Hacked, or Stolen… Notables
You can’t control The DataBased You
ChoicePoint: 145,000
CitiFinancial: 3.9 Million
MasterCard: 40 Million
AOL: 92 Million
Veterans Admin: 26.5 Million
Bank of America: 1.2 Million
Acxiom: 1.2 Billion
™What Is Identity Theft?
So many laptops … we lost count i.e. Hotels.com (Ernst & Young)
The 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: 8.4
Laws hold victims partially responsible for fraudulent debt after 48 hours, and hold them fully responsible if not reported within 60 days…
The Cost of Identity Theft and Legal Issues
The 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.*”
The Cost of Identity Theft and Legal Issues
* CIO Magazine, The Coming Pandemic, Michael Freidenberg, May 15th, 2006
Credit ReportIs everything correct?
Restoration ServicesLet the experts do the
work for you
Three Areas of Coverage for ID TheftOnly $2.30 per week, per family
Continuous MonitoringKeep an eye on your credit
The Best Answer
Who 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.
The Best Answer
Let Pre-Paid Legal Services, Inc. and
Kroll Background America provide your early warning system.
MonitoringServices
Life EventsLegal Plan
Restoration Services
Client
The Best Answer …The Complete Wall of Protection
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.
