Do not respond to unsolicited (spam) e-mail.

Do not click on links contained within an unsolicited e-mail.

Be cautious of e-mail claiming to contain pictures in attached files, as the files may contain viruses. Only open attachments from known senders. Scan the attachments for viruses if possible.

Avoid filling out forms contained in e-mail messages that ask for personal information.

Always compare the link in the e-mail with the link to which you are directed and determine if they match and will lead you to a legitimate site.

Log directly onto the official website for the business identified in the e-mail, instead of “linking” to it from an unsolicited e-mail. If the e-mail appears to be from your bank, credit card issuer, or other company you deal with frequently, your statements or official correspondence from the business will provide the proper contact information.

Contact the actual business that supposedly sent the e-mail to verify if the e-mail is genuine.

If you are asked to act quickly, or there is an emergency, it may be a scam. Fraudsters create a sense of urgency to get you to act quickly.

Verify any requests for personal information from any business or financial institution by contacting them using the main contact information.

Remember if it looks too good to be true, it probably is.

To receive the latest information about cyber scams, sign up for e-mail alerts on this website. If you have received a scam e-mail, please notify the IC3 by filing a complaint at www.ic3.gov.

Cyber Fraud Protection Tips from the FBI originally appeared on The Identity Advocate on January 27, 2012.

Preventing medical ID theft has become a hot topic as Americans increasingly hear about the safety of their private medical records as more medical breeches continue to be discovered. Medical ID theft happens when a person uses someone’s identity to obtain medical services or steal money by falsifying claims for medical services. Identity thieves use a person’s Social Security number, insurance information, or other forms of identification to commit the medical ID theft.

Medical ID theft can have a devastating effect on victims, causing collections issues, credit problems, and even bankruptcy. But that’s not all. The type of medical treatment obtained by the identity thief can also prevent the victim from getting medical insurance or medical services themselves because, as far as the insurance company is concerned, the victim now has a “pre-existing” condition.

According to the FTC, medical ID theft accounts for three percent of all ID theft cases, or approximately 250,000 cases per year. Unfortunately, these medical ID theft statistics are expected to grow, especially with the shift to electronic medical records.

Preventing Medical ID Theft: The Unemployed and Uninsured
Due to their difficult circumstances, some groups are at a higher risk for becoming identity thieves. The unemployed and uninsured may use another person’s identity because of a belief that it’s the only way they can receive quality medical care. Since they’re unemployed, they don’t have access to an employer’s healthcare benefits, and they can’t afford to buy medical insurance because they don’t have a job. It’s a vicious cycle, and it can make good people do bad things.

Preventing Medical ID Theft: Illegal Immigration
Illegal immigration also poses a serious threat as medical ID theft continues to rise. When an illegal immigrant steals private information such as an individual’s Social Security number, he or she can obtain identification and numerous services reserved for legal residents. If precautions aren’t taken to prevent medical ID theft, an illegal immigrant can get a passport, driver’s license, bank account, credit card, loan, mortgage, insurance, medical treatment, and many other services.

Preventing Medical ID Theft in Five Steps
Begin preventing medical ID theft by following these five easy steps:
1. Have your Social Security number removed from your insurance records. If your Social Security number is currently on your insurance card, don’t carry your card with you. Keep it in a safe place and only carry a photocopy with all but the last four digits of your Social Security number blacked out.
2. Obtain copies of your credit reports, insurance claims, and medical records. Lock them in a safe or safety deposit box, or place them on a CD or flash drive.
3. Next, regularly review your credit reports, insurance claims, and medical records for suspicious entries, such as a medical treatment that was never performed on you.
4. Immediately address disputes on your explanation of benefits, bills for medical services you never received, or any other charges that could be sent to collections and damage your credit. These need to be investigated and removed from your records.
5. Don’t leave a paper trail. Destroying sensitive information you no longer need is another critical step in preventing medical ID theft, so shred claims that are more than seven years old. Also, ask if your provider’s office performs background checks employees to prevent medical ID theft rings and stolen medical information.

Preventing medical ID theft takes vigilance. Medical ID thieves are doing everything to stay one step ahead of you and the authorities, so use medical ID theft prevention strategies to protect your private information.

Want to learn more about preventing medical ID theft? Contact The Identity Advocate at 310.831.4400 or via email at info@theidentityadvocate.com.
Visit us online at www.theidentityadvocate.com.

Medical Identity Theft: Will you be the next victim? originally appeared on The Identity Advocate on April 13, 2011.

Data Breeches in Health Care originally appeared on The Identity Advocate on November 23, 2010.

FBI Press Release: A Chilling Case of ‘Sextortion’ originally appeared on The Identity Advocate on November 2, 2010.

Medical Identity Theft from a Victims Perspective originally appeared on The Identity Advocate on July 19, 2010.

Posting information on Social Networks originally appeared on The Identity Advocate on May 6, 2010.

Census Bureau Call Center

General Telephone Lines: 1-800-923-8282

Updates on 2010 Census Scams originally appeared on The Identity Advocate on April 3, 2010.

Annual Credit Report Request Service originally appeared on The Identity Advocate on January 29, 2010.

Facebook, who is your friend — really? originally appeared on The Identity Advocate on December 16, 2009.

http://www.ihealthbeat.org/articles/2009/11/30/growth-of-ehrs-could-lead-to-rise-in-medical-identity-theft.aspx

Electronic Health Records and the rise of Medical Identity Theft originally appeared on The Identity Advocate on December 1, 2009.