who is eligible?

St. Paul Travelers provides Identity Fraud Expense Reimbursement Coverage and Identity Theft Resolution Services free of charge to the following:

• All employees of IMA Financial Group, Inc., its affiliates and subsidiaries.
• The employee’s family members living in the same household, provided they are a spouse, child under 18 years of age, or parent.

group identity theft expense reimbursement services

This coverage includes and reimburses identity theft victims for the following:

• Limit of insurance equals $2,500 per person, per identity theft incident.
• Deductible is zero.
• Identity Theft Resolution Services. (See below for explanation.)
• Lost wages as a result of time off from work to deal with the fraud, including wrongful incarceration up to $1,000 per week ($2,500 limit).
• Fees to re-apply for loans that were denied due to erroneous credit information because of the identity theft.
• Notary and certified mail charges for completing and delivering fraud affidavits.
• Long distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity theft.
• Daycare and eldercare expenses.
• Attorney fees incurred, with St. Paul Travelers’ prior consent, for:
  • Defending suits brought incorrectly by merchants or their collection agencies
  • Removing criminal or civil judgments wrongly entered against the victim
  • Challenging information in a credit report

group identity theft resolution services

The Identity Theft Resolution Services is provided by St. Paul Travelers through the third-party vendor Aura. Their experienced fraud team works closely with victims to learn about the incident, document the case, advise on case resolution, and support victims by providing written correspondence to help expedite the victim’s case. Through the Identity Theft Recovery Unit (ITRU), it performs the following activities:

• Assists the victim in the event of an actual identity theft.
• Obtains a three-Bureau Credit Report to review with the victim.
• Documents event and contact history with the victim.
• Assists in placing fraud alerts with major credit reporting agencies.
• Provides contact information for all future calls.
• Completes dispute letters on behalf of the victim for approval and signing.
• Enrolls the victim in six months of daily credit monitoring.
• Provides the victim with a Fraud First Aid Kit, which includes:
  • Tips for fraud victims
  • Credit reporting agency information
  • Contact history tracking
  • Pre-populated letters to creditors

FAQ

What is the difference between the company paid Identity theft benefit and the voluntary paid Identity Theft protection?

The employer paid benefit offers a small benefit for recovery after you become a victim of identity theft.  The voluntary identity theft protection provides monitoring of your credit prior to becoming a victim of identity theft.  If you become a victim of identity theft the voluntary benefit offers $2 million in recovery insurance.

Have questions about Group Identity Theft Resolution Services?

Contact HRBenefits@imacorp.com 

Legally Required Documents & Disclaimers

These Summaries are designed to help you understand the coverage and benefits available. However, they are not legal documents, and if these Summaries say anything that disagrees with the legal documents that make up any of the plans, the legal documents will control. IMA Financial Group, Inc., reserves all rights to make changes at any time in the benefits, costs, and other provisions of any plan. Those changes could include the complete termination of benefits for all individuals or certain groups of individuals. However, any continuation coverage rights under federal law which are then applicable will be provided. No employee, spouse, or dependent will acquire any vested (nonforfeitable) right to have benefits, costs, or other provisions of any plan remain unmodified or in effect. No plan maintained by IMA Financial Group, Inc., is intended to create any contractual right of employment, and nothing contained therein or in these summaries shall be construed as a guarantee of employment for any specific period of time or for any specific type of work.