id theft and how to prevent medical identity theft

This article emphasizes the behavioral aspects of id theft protection with a focus on medical identity theft, the fastest growing fraud crime sub category of identity theft fraud. Readers are invited to comment and write the author with questions.

Prevent identity theft

Identity theft prevention is most important as fixing an identity fraud crime is expensive in terms of actual dollars as well as hours spent to restore your good name.

The implementation of a high-level privacy living plan is preferred over the purchase of costly identity theft insurance and is more effective in the opinion of this author. The author recommends high-level privacy living as a means of identity theft “self insurance”.

Identity theft insurance plans lock the policy holder into payment of perpetual premiums. Additionally, one who buys the insurance will be required to provide highly sensitive and privacy-invasive personal and confidential information to the insurance company, and this information may be available to many thousands of people who access the data base where this information is stored.

Avoid Medical Identity Theft

Id theft fraudsters are honing in on victims who own medical insurance policies. Consider these fraud statistics that are direct quotes from this website:

http://www.insurancefraud.org/medicalidentitytheft.htm

“Medical Identity Theft”

  1. “More than 1.4 million people have been victimized by medical identity theft. Victims pay about $20,000 each to resolve their cases, and more than half say they had to pay for medical care they didn’t receive in order to restore health coverage. Nearly half of victims also lost health coverage due to the fraud, and nearly one-third said their health premiums rose after they were victimized. Fewer than 10 percent say their incidents were completely resolved. (Ponemon Institute, 2010)
  2. Medical identity theft is the fastest-growing form of identity theft. (World Privacy Forum, 2006)
  1. Between 250,000 and 500,000 Americans have been victimized by medical identity theft. (World Privacy Forum, 2006)
  1. Medical identity theft comprises about 3 percent (249,000) of 8.3 million overall victims of identity theft. (Federal Trade Commission, Identity Theft Survey Report, 2007)”

Based on the above statistics, and the average cost of $20,000 to repair a medical identity theft fraud crime and the quarter of a million reported cases during 2007, it becomes clear that the crime of medical identity theft is becoming an elite score for criminals, and is far and above the average cost of the garden variety, id theft crime of $3,000, (Hall, 2006)

If and when you receive medical treatment, you will want to guard your most sacred identifiers with extreme caution. These include: insurance policy number, insurance company name, name, date of birth, home address, home telephone number, and your most personal of all, your Social Security number.

Avoid identity theft by making behavioral preparations

Prepare for battle.

When you face the Army of clerks who staff the practices of Physicians today, you will necessarily have to provide your insurance policy information and proof of your identity.

Successful privacy advocates do not provide their home address, home telephone number or Social Security number prior to receiving medical treatment due to the risk of having this information stolen by a medical identity thief.

What’s your “social”?

Clerks bark out the question and expect answers or else…..

Stop the nonsense!

You don’t have to participate with the masses who bow and cow to the agents of the  authority-types, (Doctors). In fact, if an identity theft prevention plan is at the top of your agenda-and it should be, your risk is undoubtedly higher when your allow your SSN to be obtained by medical providers than if you do not provide it. This is my experienced opinion.

I do not provide my Social Security number to medical providers and believe to do so would place my identity at risk of being stolen. And I, for one, do not want to risk losing $20,000 due to a medical identity theft fraud crime. So, instead, I choose to exercise my assertiveness and negotiate my way toward cooperating with medical providers while still providing “necessary” personal information.

Thanks for reading.

Grant Hall

Should Stalking Victims Create Financial Privacy?

You’re one of nearly every ten women in the country who is being stalked by an obsessive ex-boyfriend or ex-husband. Perhaps you are a man who is being trailed by a cyber stalker or phone stalker. You have tried to establish home privacy so he won’t find you in the credit bureau data bases or county records. Your car title has been changed, too. The new job you have taken ensures workplace privacy-you hope. All of these high level privacy living tactics have been completed according to proven privacy living methods.

Should you try to establish a financial privacy program? Yes.

Bank secrecy means no one will know where to find your money. And while a commercial bank checking account held in one’s name offers convenience and is economical to maintain, leaving money out in the open provides a subscriber to certain data bases with information on where to locate your money.  What are your banking privacy options?

BANK SECRECY OPTIONS

A trust checking account opened properly without sacrificing one’s identifiers will offer a certain degree of privacy. Make certain to choose a name unrelated to your name and use an Employer Identification Number obtained anonymously as the tax payer number on the account. There should be no trace of your name or address tied to the account for the outside world to see. Bank secrecy takes time, extra effort, and is more expensive than banking the “normal” way, so recognize what you’re up against as you keep your money secrets.

A private banking privacy option involves pseudo banking establishments called check cashing stores or check cashing services. Once an “account” is opened, you will be able to “cash and carry,” and practice cash banking, the most private way of keeping money under your control. Your endorsed check will be deposited into the financial institution’s corporate account and you will receive your cash on the spot. Now, you have cash in hand and have no risk of having your “bank account” discovered through a search, and statements will not be mailed to you when you practice financial privacy through the use of check cashing stores.

Receiving your payments for employment or work under the name of a secretly registered business entity, ensures your workplace privacy and financial privacy.

Safes and safety deposit boxes established in entity names which are registered anonymously will complete a bank secrecy program.  Follow the proven privacy principles and methods that have worked for high level financial privacy.

Thanks for reading.

Grant Hall

contact@PrivacyCrisis.com

www.PrivacyCrisis.com

Stalking Victims and Stalking Crime Statistics

Stalking behavior can turn into a serious stalking crime. Stalking victims should be aware that cyber stalking, phone stalking, and all forms of harassment stalking may result in harm or even death.

Stalking crime statistics reveal that those being stalked are at risk of suffering harm from a stalker.

The statistical information below is a direct quotation from a survey posted on the American Bar Association’s website. The  link to the site is: http://new.abanet.org/domesticviolence/Pages/Statistics.aspx

“Stalking According to the Stalking Resource Center:

  • 1,006,970 women and 370,990 men are stalked annually in the United States.
  • 1 in 12 women and 1 in 45 men will be stalked in their lifetime.
  • 77% of female and 64% of male victims know their stalker.
  • 87% of stalkers are men.
  • 59% of female victims and 30% of male victims are stalked by an intimate partner.
  • 81% of women stalked by a current or former intimate partner are also physically assaulted by that partner.
  • 31% of women stalked by a current or former intimate partner are also sexually assaulted by that partner.
  • The average duration of stalking is 1.8 years.
  • If stalking involves intimate partners, the average duration of stalking increases to 2.2 years.
  • 61% of stalkers made unwanted phone calls; 33% sent or left unwanted letters or items; 29% vandalized property; and 9% killed or threatened to kill a family pet.
  • 28% of female victims and 10% of male victims obtained a protective order. 69% of female victims and 81% of male victims had the protection order violated.”

Stalking Resource Ctr., The Nat’l Ctr. for Victims of Crime, Stalking Fact Sheet, http://www.ncvc.org/src/Main.aspx (citing Patricia Tjaden & Nancy Thoennes, U.S. Dep’t of Justice, NCJ 169592, Stalking in America: Findings from the National Violence Against Women Survey (1998)

Some of the most alarming statistics are summarized below: Based on the information above, phone stalking is significant as 61 percent of stalkers made unwanted phone calls, 29 percent vandalized property, and nine percent killed or threatened to kill. Further, eighty one percent of women who are stalked by a previous domestic partner are also harmed by that partner.

If one is being stalked, it may be necessary to learn how to hide and disappear completely and never be found in order to eliminate the possibility of becoming a stalking crime statistic.

For a free information course on stalking solutions, go to this link:

http://www.privacycrisis.com/stalking.html

Thanks for reading.

Grant Hall

contact@PrivacyCrisis.com

www.PrivacyCrisis.com

Stop Stalking

Stalking victims can stop stalking when they learn to practice privacy living. Indeed, depending on the level of personal privacy one chooses, it is possible to learn how to  hide and disappear completely and never be found-not from an abusive ex-husband, a workplace privacy stalker, one who engages in phone stalking or any other type of harassment stalking.

Home privacy is of utmost importance to stalking victims or others who want to avoid a stalking crime. Using a new identity and renting under an alternate  name has been effective. Becoming a roommate of one holding a lease or title to a home dwelling is a quick method of living beneath the radar.

Telephones held anonymously will prevent phone stalking. Cell telephones  purchased for cash over the counter without ties to your true name, address or credit bureau files, prevent phone stalking.

Internet stalking, a problematic stalking crime may be remedied while avoiding the use of one’s true name in all e-mail communications, computer registrations, and online purchases.

Harassment stalking can be avoided when high level privacy standards are followed. And being stalked may become a dangerous problem as stalkers are both persistent and frequently harm their stalking victims.

Grant Hall

contact@PrivacyCrisis.com

Medical Identity Theft Protection Pointers

Medical identity theft is becoming a fast-grower within the identity theft fraud crime sector. Here are some identity theft prevention techniques that may save your identity and your money. You may get resistance from the medical providers who are used to having their way with your privacy. In order to prevent a privacy invasion, prepare to stand your ground as you guard against medical identity theft.

Do not provide your Social Security number to medical providers. I know this is a highly unpopular stance to take, but in view of the many personnel changes within the medical industry, a vast number of people will have access to your most sacred numerical identifier. Don’t give it up!

Do not provide a copy of your government issued identification to providers of medical services. Why? Because someone with a criminal intent can easily copy it again and defraud you once it is copied and entered into a medical provider’s data base. Instead of providing a copy of your driver license, advise the clerk to copy your DL number for their records. Or, better yet, provide a passport number as it is less commonly used than other government identification.

Keep your home address out of medical data bases. Use a mail drop for receiving mail in order to prevent a home privacy invasion. Giving up your home address is asking for trouble. Keeping your home address a secret is key as you strive to avoid identity theft.

Thanks.

Grant Hall

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