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Medical Excess Information Breach
| This website has been setup by TSRI in response to the security breach of personal information that occurred with Medical Excess, LLC. We will continue to add information as it becomes available to us. |
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Medical Excess Letter Q & A adopted from information provided by the Principal Financial Group. |
Helpful Links:
Credit Reporting Companies: Equifax Experian TransUnion |
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Federal Trade Commission (FTC) Identity Theft Website: The FTC sponsors this website and provides helpful information regarding what to do if your personal information has been compromised and the steps to take if there is unauthorized activity on your credit. The site also includes information regarding fraud alerts and extended alerts. |
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OnGuard Online OnGuard Online, a site created by the U.S. Federal Trade Commission (FTC), offers additional information on preventing identity theft. |
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Additional Information: 1. Pull a copy of your credit report. You are entitled by law to receive a free copy from each of the three credit bureaus (Experian, TransUnion and Equifax) on an annual basis. Their websites will link you to a site sponsored by them in which you can obtain a free copy. There are other websites who claim to provide a free copy of your credit report, but you must enroll in a credit monitoring service with them in order to obtain your “free” report. We caution you to utilize the service setup by the three credit bureaus to ensure you do not have to sign up for other services to obtain your credit report. In order to maximize your ability to utilize free reports on an annual basis, you may choose to get one report immediately, another from a different bureau in 4 months and one more in 8 months from the last bureau. You should continue the monitoring process because some ID thieves are waiting 6-18 months before using the stolen information. Many identity theft prevention experts recommend you pull one credit bureau report every 4 months regardless of whether you know of a specific security compromise. 2. You may place a fraud alert on your account, which will notify potential creditors that there is an alert on your account. Many will then take extra steps before approving credit on your account such as verifying your identity by calling you directly. A fraud alert is put on the account for 90 days. However, you may request another alert upon expiration of 90 days as often as you like. Further information regarding fraud alerts can be found on the FTC’s website listed above. 3. If you believe you are the victim of identity theft (because you find aberrant activity on your report or aberrant information like a different address) you should immediately call AIG and request coverage under the identity theft insurance they have made available to victims. It is TSRI’s understanding this insurance will continue for 12 months from the date of your request for coverage. The insurance assists you in restoring your credit by providing resources and hands-on help to notify the proper agencies and to remove fraudulent accounts. 4. TSRI takes many steps to protect your personal information. It is TSRI’s policy to only provide birth date and zip code information for obtaining insurance quotes. Social security numbers, TSRI ID numbers and full addresses are never provided by TSRI in information used to obtain quotes. We do this to ensure that our employee data is de-identified to the greatest extent possible. In addition, when it is necessary to provide personal information such as social security, date of birth and address it is sent through secure websites as an encrypted file. This information is given to our healthcare vendors in order for them to process claims for you in a timely and efficient manner. Social security number is provided even though we have TSRI ID numbers because many healthcare providers (hospitals, physician offices, etc.) still use your social security number to submit claims. |
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