Core Identity Protection provides important broad identity insurance expense coverage (Member Indemnity Benefits) with a $0 deductible.  In the event you become a victim of identity fraud, you will incur expenses in the battle to regain your good name. In many cases, the level of sophistication required to clear your good name and regain your identity will require the assistance of a professional Attorney. Having resources that are able to support your efforts and financial and emotional well being is an essential element of your protection. Remember, your identity is an asset that deserves protection.

Identity Insurance / Expense Coverage*

The benefits provide insurance coverage to victims of identity fraud up to $25,000 or as applicable to your specific Membership Plan, and as subject to specific terms of our Master insurance policy and Membership Agreement, for: 

• Lost wages up to $1,000 per week for a maximum of $10,000;
• Reasonable legal fees and court costs incurred with prior consent for suits brought by creditor, collection agency, other institution, as a direct result of an identity fraud incident;
• Reasonable legal fees and court costs incurred with prior consent for removing civil or criminal judgments wrongfully entered against you as a direct result of an identity fraud incident;
• Contesting the inaccuracy or incompleteness of any information or records containing Your personal information which is the direct result of an Incident, other than legal fees and court costs incurred in a legal proceeding of any kind filed, brought, or maintained by You, on Your behalf, or for Your benefit;
• Costs for mail, certified mail, and long distance telephone or facsimile communications to law enforcement agencies, financial institutions, government agencies, or similar organizations;
• Costs for re-filing loan applications, filing police reports, notarizing affidavits or similar documents, replacing government issued identification documents with Our consent, and obtaining copies of one credit report from each of the three main credit reporting agencies (Experian, Equifax, or TransUnion) every three months for a maximum of three times per Incident, a Medical Information Bureau report, a driving record report, and a criminal background report;
• Costs to enroll in a one-year triple-bureau credit-monitoring service provided by one of the three main credit-reporting agencies and a one-year myFICO monitoring service. However, Personal Records Monitoring costs shall not be provided for Incidents solely relating to Your existing credit or debit card account(s);
• Reasonable and necessary travel costs incurred with Our prior consent for airfare and hotel accommodations where Your presence in legal proceedings is required by court order and/or at Our request;
• We shall reimburse You for Your actual loss arising from an Incident and from the unauthorized use of Your credit card, debit card, funds transfer card, or check as registered in Your name where You have a legal liability for such loss. We shall pay up to a maximum of $5,000 regardless of the number of distinct and separate losses.

A deductible of $0 applies to the above indemnity benefits.

*Identity Insurance is fully insured by certain Underwriters at Lloyd's. (Hide details)

We are pleased to announce that expense coverage upgrades are now already included in your protection plan by providing you with new identity insurance by Underwriters at Lloyd's. The recent upgrades include coverage that is broader and better, including for example, the lost wages sub limit which has been increased from $5,000 to $10,000.

Should future plan upgrades apply, we will provide notification in this section. (Hide details)