ID Watchdog provides a simple and affordable way to protect and monitor your identity. You will be alerted to potentially suspicious activity, and dedicated identity resolution specialists will fully manage all of your identity theft cases until the issues are resolved.
Benefits and Protections
Control and manage
- Credit report lock | Multi-bureau
- Blocked inquiry alerts | 1 Bureau
- Subprime loan block
- Financial accounts monitoring
- Social accounts monitoring and takeover alerts
- Personal VPN and safe browsing
- Password manager
- Registered sex offender reporting
- Customizable alert options
- Nationwide provider ID alerts
- Integrated fraud alerts
Monitor and detect
- Credit report monitoring
- Dark web monitoring
- Data breach notifications
- High-risk transactions monitoring
- Subprime loan monitoring
- Public records monitoring
- USPS change of address monitoring
- Identity profile report
- Credit reports | 1 bureau daily and 3 bureaus annually
- VantageScore credit scores | 1 bureau daily and 3 bureaus annually
- Credit score tracker | 1 bureau
Support and restore
- Fully managed resolution services including pre-existing situations
- Online resolution tracker
- Up to $1M identity theft insurance with 401k/HSA stolen funds reimbursement
- Lost wallet vault and assistance
- Deceased family member fraud remediation
- Credit freeze assistance
For the purposes of this program, 1 bureau means Equifax, multi-bureau means Equifax and TransUnion, and 3 bureaus means Equifax, TransUnion, and Experian.
Eligibility
Identity theft insurance is a voluntary, employee-paid plan. You are eligible if you work at least 50% of the normal full-time schedule at MIT, have been appointed to work at MIT for at least three months, and are paid by MIT. Visitors who meet the criteria above are also eligible for this plan.
Plan rates
When you enroll, you can choose between employee-only or family coverage. Eligible family members include your spouse/domestic partner and dependent children up to age 26.
Premiums for this plan are paid by payroll deduction.
Staff and Faculty
|
Coverage Tier |
Semimonthly Rate |
|---|---|
|
Employee Only |
$2.98 |
|
Employee + Family |
$5.33 |
Support and Service
|
Coverage Tier |
Weekly Rate |
|---|---|
|
Employee Only |
$1.37 |
|
Employee + Family |
$2.46 |
How to enroll
Sign up when you begin work at MIT
Use Atlas to enroll in the ID Watchdog plan within 31 days of your date of hire or appointment—or within 31 days of the date you receive your official Welcome Letter, whichever is later.
Sign up during open enrollment
If you do not enroll within this 31-day period, you must wait until the next annual Open Enrollment period, which takes place in the fall.
Enroll as a result of a life event
If you experience a change in your life that has an impact on your benefits, you can enroll outside the Open Enrollment period.
More about identity theft and the plan
What is identity theft, and how does it compare to identity fraud?
Identity theft is when your personal identifying information (PII) is stolen. Stolen PII could include your name, Social Security number, date of birth, or other identifying numbers such as medical insurance or credit card accounts. Identity fraud occurs when your PII is used for illicit gain. For instance, an identity thief could use your information to open new accounts or take out loans in your name.
How does identity theft happen, and how can ID Watchdog help?
There are numerous ways identity theft can occur. For instance, a cybercriminal could trick you into giving up your personal information through a convincing email or fake website, gain access to your information through a data breach, or purchase your stolen information on the dark web.
ID Watchdog’s identity monitoring scours billions of public records to search for activity, which – if unexpected – could be a sign of potential identity theft. The service also monitors your credit report from all three nationwide credit bureaus and will alert you if there are key changes to your credit report(s) and activities.
How does ID Watchdog help me if I become a victim of identity theft?
If your identity is stolen, a resolution specialist from ID Watchdog will be assigned to your case. Through your ID Watchdog dashboard, you will be able to view the status of your open identity theft case at any time.
How does ID Watchdog help me protect my child’s identity?
ID Watchdog offers Equifax Child Credit Monitoring, social network alerts, public records monitoring, registered sex offender reporting, and more. It also offers online child credit lock capabilities for children eligible under the plan.
How do I contact the ID Watchdog customer care team?
The customer care team is available 24 hours a day and can be reached at 1-866-513-1518.
ID Watchdog Presentation
View the slideshow presentation from our ID Watchdog webinars.
MIT is committed to providing an environment that is accessible and inclusive for individuals with disabilities. If you need a disability-related accommodation to access these materials, please email benefits@mit.edu.