Dorman Benefit Consultants Dorman Benefit Consultants brings eighteen years of experience in the insurance industry to you, your business, and your employees. We specialize in individual, employer and employee benefits, and we are experts in providing cutting-edge legal liability coverage for both businesses and individuals. We are contracted with all major health insurance carriers and many life companies, we are an official representative of Prepaid Legal's Affirmative Defense Response System, and we offer a wide range of benefit related products in order to serve your needs. Our mission is to provide superior products with exceptional service to our clients. We do this through our relationship with insurance carriers and regular communication with our clients. Our goal is to have lasting, valued relationships of mutual trust with all the people our business touches.

Robert A Dorman

Our President has been in the insurance industry for 18 years. His background, which starts in Noblesville IN, is diverse. Robert's first career after graduating Purdue University was in the electronics industry where he was an engineer in the RF Field, Computer Field, and Consumer Electronics. He returned to school where he completed a business degree and went into the insurance business as an agent, stock broker, and registered investment advisor. Robert now concentrates on individual and group benefits and group retirement plans.

We currently work with over 15 health insurance carriers, 10 ancillary benefit carriers (life, disability, dental, vision, cancer policies, accident, short term medical) and 1 legal plan.

We also have through the years developed relationships with supporting local associates in the financial markets, estate planning experts, and advanced case underwriters.

Prepaid Legal's Affirmative Defense Response System

As a business owner, you know there are laws every business must follow. However, results of a recent survey by zTelligence and Fellowes Inc., (July 2005), showed only 13.1% of business owners recognize the term "FACTA". FACTA is federal legislation that went into effect June 2005 that:

Can shut your business down whether you have two or two thousand employees
Provides for major fines to you and your business by the FTC for non-compliance
Provides another avenue for lawyers to file lawsuits against your business on behalf of customers or employees

FACTA is only one piece of legislation that affects your business. There are others:

HIPAA Security Rule
Gramm, Leach, Bliley (GLB) Safeguard Rule
Numerous individual state laws (such as the Texas Whistle Blower Statute)

These laws (and potential civil or criminal penalties) apply to any business (large or small) that collects personal information about customers or employees (including names, credit card numbers, birthdates, home addresses, and more).

“If you experience a security breach, 20% of your affected customer base will no longer do business with you, 40% will consider leaving the relationship, and 5% will be hiring lawyers!” Freidenberg also states, “When it comes to cleaning up this mess, companies on average spend 1,600 work hours per incident at a cost of $40,000 to $92,000 per victim.” --- Michael Freidenberg, CIO Magazine, The Coming Pandemic, 15 May 2006

"All business should look to that law for guidance on how to protect consumer data." At a basic level, that means businesses need to have a plan in writing describing how customer data is to be secured and an officer on staff responsible for implementing that plan. Many large businesses entrust such planning and execution to a chief technical officer or chief privacy officer. Most small businesses cannot be expected to hire a full-time privacy specialist, but all businesses must be able to show they have a security plan in place." --- Betsy Broder, assistant director of the FTC’s Division of Privacy and Identity Protection, ABA Journal, Stolen Lives, March 2006

The July/August 2006 issue of Corporate Board Member asks and answers the question, "Who will class-action lawyers go after next?" Unfortunately, any company which has access to personal data about customers and employees may be at risk. "This applies to just about everybody, but with concerns about identity theft zooming, any company that accidentally discloses data protected by privacy laws runs a risk of litigation."

You must make a critical decision about your business. Does your business comply? Most business owners want to take action after they learn the requirements and potential consequences. But, many don’t know where to start.

There are five common types of identity theft:

Drivers License Identity Theft
Social Security Number Identity Theft
Medical Identity Theft
Character/Criminal Identity Theft
Financial Identity Theft

This may seem a bit overwhelming, but with a little help, you can develop your own affirmative defense! The Affirmative Defense Response System (ADRS) can help your business at virtually no cost to you.

The January 19, 2006 edition of Business and Legal Reports says, "One solution that provides an affirmative defense against potential fines, fees, and lawsuits is to offer some sort of identity theft protection as an employee benefit. An employer can choose whether or not to pay for this benefit. The key is to make the protection available, and have a mandatory employee meeting on identity theft and the protection you are making available, similar to what most employers do for health insurance."

When you ask us to help, Pre-Paid Legal Services, Inc. gives you a suite of resources to help you provide your own Affirmative Defense documentation for your company - at no charge! In addition to the forms and paperwork you need to document your Affirmative Defense, we'll also help you educate your employees - another key component in responsible compliance.

At no cost to you, we'll offer our Identity Theft Shield, Life Events Legal Plans, and our Legal Shield (24 hour access to legal counsel) to your employees at a reduced group rate. Or, if you wish, you can choose to provide this as a fringe benefit. Having this offering in place gives your company the documentation of an affirmative defense, and could help mitigate damages and this can save you money!