How do I evaluate identity protection provided by my employer?

Short answer

Review the actual employee benefit terms, eligible household members, service duration and what happens when employment ends. Do not assume the employer benefit duplicates or replaces another policy.

An illustrative example

An employee changes jobs while using restoration support.

This is a hypothetical situation, not a real customer outcome or a coverage determination.

Three facts to prepare

• Benefit administrator
• Eligibility end date
• Ongoing assistance terms

Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.

A question to bring to the right professional

Can an open restoration matter continue after eligibility changes?

Account recovery, identity restoration, monitoring and expense benefits are different functions. Prepare a category-level summary before providing documents. Keep identity numbers, credentials and private messages out of an initial marketplace profile, and use official providers for active recovery needs.

Sources and scope

• FTC: identity theft, monitoring, recovery and insurance

  Consumer background on identity misuse and distinctions between monitoring, recovery services and insurance. Specific contract terms still need professional review.

Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.