ID Theft: We’re All At Risk

We have all read on the news about security breaches at JP Morgan, Target, Home Depot and others – if thieves can hit these stores, they can nail you also. There is one ad that runs: “if you have done any of these you are at risk for ID theft: used a credit card, rented a car, bought a house, gone to school, been born” ID Theft coverage is becoming more and more important and can be added as a voluntary employee benefit at an extremely affordable monthly rate. Risty Benefits can provide you with options and proposals.

Roger R. Risty

PO Box 90335
Sioux Falls, SD 57109
FAX 605-338-2823

Physical address: 1324 S. Minnesota Ave
Sioux Falls, SD 57105

How to Protect from Identity Theft

What is Identity Theft?
Identity Theft is a crime where one individual fraudulently uses key pieces of personal information to impersonate someone else, often for financial gain.
  • Each year 11.5 million people in the United States that are victims of Identity Theft.
  • The most common types of fraud are credit card information, other bank accounts and then personal information (Social Security Number, medical records, cellular telephone services, and computers).
  • The total financial loss by June of 2013 due to Identity Theft was already $21 billion.i
What to do if your information has been stolen?
  1. Contact your local police department and file a report.
  2. Place an initial Fraud Alert with the three national credit reporting agencies (Equifax, TransUnion, and Experian) making it harder for the thief to open an account in your name.
  3. Close the accounts you know have been tampered with.
  4. Order your free credit reports and contact the businesses with whom you have credit cards and bank accounts.
  5. Create an Identity Theft Report to get your fraudulent information removed from your credit report and stop a company from collecting on a debt.
How to prevent Identity Theft:
  • Protect you SSN.
  • Stay on top of your credit report.
  • Avoid carrying extra credit cards, SSN, passport, etc.
  • Be careful when giving out information on the phone.
  • Watch what you put in the trash/shred all credit card offers, receipts, etc.
  • Follow credit card and bank statements closely.
  • Keep a list of account numbers and telephone numbers and keep this in a safe place. This will allow you to quickly call the companies if your wallet/purse is stolen.
Risty Benefits sells Identity Theft protection through Legal Shield. Legal Shield provides more than just credit monitoring  or “reimbursement” to the client for straightening out the mess – they actually have investigators that clean up the mess for you. 
For more information on Legal Shield, please contact our office at (605) 338-1489 or

i U.S. Department of Justice, Javelin Strategy & Research. Research Date: 18 June 2013

High-Tech Surgical Equipment

The addition of new technology in the medical world has helped save many people’s lives and hospitals in South Dakota are no strangers in using these technologies. A teenager from Chester knows this first hand. Check out this Keloland article on how new technology is helping people in South Dakota.

Weird, Actual Insurance Claims Part 2

As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.

To avoid hitting the bumper of the car in front I struck a pedestrian.

My car was legally parked as it backed into another vehicle.

An invisible car came out of nowhere, struck my car and vanished.

I told the police that I was not injured, but on removing my hat found that I had a fractured skull.

I was sure the old fellow would never make it to the other side of the road when I struck him.

The pedestrian had no idea which way to run as I ran over him.

I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car.

The indirect cause of the accident was a little guy in a small car with a big mouth.

I was thrown from my car as it left the road. I was later found in a ditch by some stray cows.

The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end.

Doctors Asking More Personal Questions

Usually doctors ask fairly generic questions but the doctors at Sanford are starting to ask more personal questions at patient visits. These questions are helping doctors diagnose patients faster and getting to the bottom of what’s wrong. These questions range from “Have you been physically or emotionally abused?” to “What is your living situation?” Hopefully these questions well help a doctors visit go smoothly and a little bit faster.

To read more, check out this Keloland article.

Weird, Actual Insurance Claims

The other car collided with mine without giving warning of its intention.

I thought my window was down, but I found it was up when I put my head through it.

I collided with a stationary truck coming the other way.

A truck backed through my windshield into my wife’s face.

The guy was all over the road. I had to swerve a number of times before I hit him.

I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.

In an attempt to kill a fly I drove into a telephone pole.

I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up, obscuring my vision and I did not see the other car.

I had been driving for forty years when I fell asleep at the wheel and had an accident.

I was on the way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident.

Long & Short Term Disability

No one plans on becoming disabled or getting a condition that can lead to a disability, but it does happen. You insure your home, your car, your boat and your life — it is also important to insure the income that allows you to have those things. LTD & STD plans allow you to continue receiving a portion of your income, should you be unable to perform the duties of your job, due to accident or illness. After a short waiting period – usually 7 to 14 days – you can receive benefits from your STD plan for up to 6 months (depending on the plan’s design). Many businesses offer STD as their maternity leave.

LTD plans provide a portion of income, should you remain disabled for an extended length of time—usually 4-6 months or more. LTD often partners with a STD plan, providing extended coverage after the STD benefit ends. Talk to us to learn more!