Other Options for Employees and Customers Inside our App


Critical Illness Insurance

Many options available without the need for a medical exam, all at group rates of course!  

Dental Insurance

Here is a great one!  Many dental insurance policies are not very good.  Now anyone can be covered WITHOUT waiting periods on most services!  Use any dentist and enjoy 42% savings on any custom work

Final Expense Insurance

Easy to get, very simplified issue, many options, excellent group rates.

Health Insurance

Need Obama Care alternatives?  Our health insurance experts will scour the market on your behalf and use the power of 45 million members to offer amazing coverage you simply can't find on your own. 

Prize Insurance

We work with the top companies in the industry, so whatever you would like to do, give us a call and we can see if we can help

Short Term Medical Insurance

International options as well as custom U.S. Options.  Fill the gaps of your current coverage and travel with peace of mind. 

The Power of a 45 Million Members Individually Underwritten


Life Insurance

Let us compare your current life insurance free of charge.  We almost always can save you a great deal of money with the power of group benefits with simplified underwriting. 

Pet Insurance

The same for your pets, the power of groups can save you $100s per year!

Social Media Insurance!

Protect the whole family from hackers stealing information from kids and adults on social media.  Up to 5 accounts for just $9.95 per month

Limited Medical Insurance

No deductibles, no co-pays, set dollar amounts for services at group rates.  No waiting periods.  An excellent option for our experts to review for you

Medicare Supplement Insurance

Let our experts walk you through all of your options and do all the hard work and leg work on your behalf.  Our service is rated #1 in the industry.  Now you can rest and relax!  

Vision Insurance

More than just eye care and great exam rates.  Everything from Lasik to contacts to reading glasses.  Register now, call our experts and we will help you see more clearly.

What Does Legal Shield Offer Employees

Sample Video we provide on a custom website built for any company free of charge.  See sample below


SHRM Article Why Legal and ID Protection For Employees


The Case for Legal Services and ID Theft Benefits 


By: Joanne Sammer 

Few things are as disruptive for employees as legal difficulties and, with growing frequency, the aftermath of identity theft. Lost time at work, and distracted minds while on the job, also lower productivity and impact the bottom line. 

While only a minority of employers currently offer broad-based legal services plans or specific ID theft protection services as voluntary benefits, the rationale for doing so can be compelling. 

Legal Services 

A divorce, a lawsuit, bankruptcy or other legal issues can be expensive and distracting to employees. Around 800,000 to 900,000 couples divorce each year , according to the U.S. Centers for Disease Control and Prevention, and more than a million people filed for bankruptcy during the 12-month period ending March 31, 2014—just two common reasons why employees might need access to legal assistance. 

Among employers with voluntary benefit programs, offering legal services is relatively common but by no means universal, with 55 percent making this option available to employees, according to a 2013 survey of 320 large U.S. employers conducted by Towers Watson. 

However, among all employers, only 21 percent offer legal assistance services, according to the Society for Human Resource Management’s 2014 Employee Benefits report. 

Yet, “Many employees earn around $50,000 per year and don’t have the cash flow to pay for expensive hourly legal fees,” said Holley Maher, a partner with MRCT, an insurance, retirement and HR consulting firm in Clayton, Mo. 

Choosing Plans 

Like any benefit program, legal services come in all shapes and sizes, from simple referral services (which may be provided through an employee assistance program) to group legal plans offered through the workplace and funded via payroll deduction. If considering a group plan, evaluate different offerings to see which will best meet employee needs such as: 

• Writing a will or a living will.
• Establishing a trust.
• Resolving traffic violations.
• Creating a health care power of attorney. • Reviewing miscellaneous legal contracts and documents. 

• Handling family issues like adoption and divorce. 

Beyond that, a legal services plan should have an ample number of lawyers who specialize in required services available in the geographic area where all or most employees reside. 

Employers should also review what free services, if any, are offered and what services are discounted and how much. “Is the network of law firms open or closed? Are dependents eligible for the plan?” asked Maher. 

ID Theft Protection 

When employees have their identity stolen, criminals can use that data to open fraudulent bank and credit card accounts, obtain government benefits, and apply for employment. Here are some numbers to consider: 


Leading People. Leading Organizations. 


  • Nearly 75 percent of ID theft victims are between the ages of 20 and 59, the prime working years. 
  • ID theft is also on the rise. The Federal Trade Commission’s Consumer Sentinel database reports that identity theft complaints have grown from 86,250 in 2001 to 290,056 in 2013. This jibes with U.S. census data that indicates that more than 250,000 people are victims of identity theft each year. 
  • About 25 percent of large U.S. employers offered ID theft protection in 2013, according to Towers Watson. 

Identity theft may not require the services of a lawyer, but it can still take numerous hours for an employee to straighten out the situation. “As the use of electronic medical records and e-filing for taxes increases, so do the reports of identity theft,” said Maher. 

“The biggest reasons to offer identity theft benefits are lost productivity and employee stress, which, in turn, add to medical costs,” said Heidi Rasmussen, co-owner of fresh benies, a Dallas-based employee benefits firm. 

Without access to ID theft protection services, an employee could spend hours of work time trying to resolve related issues. This does not even include any general loss of productivity from an employee dealing with the stress and worry of the situation. 

Moreover, Rasmussen noted, the longer an employee doesn't realize that his or her identity has been stolen, the worse the damage becomes. “It could take hundreds of hours to resolve,” she said. “It’s far better if an identity theft is found early in the process, and that’s the goal of a good identity theft protection program.” 

“Considering that the Target breach affected 35 percent of the American population and the impact of the Heartbleed [online security bug] is yet to be fully seen, this is a hot topic right now,” she said. 

Cost Considerations 

Although some employers opt to subsidize legal services and ID theft programs, the costs of these plans are generally paid by employees. Rasmussen noted that a plan that offers both legal services and identity theft can run anywhere from $12 to $25 per employee per month. 

If a vendor offers legal services and ID theft protection separately, it is important to ask for any available discounts for employees who purchase both. Bundled products may also be available. 

Joanne Sammer is a New Jersey-based freelance writer. 


HRCI Certification SHRM Society of Human Resource Management

Listen to the last 10 minutes of our certified training for HR professionals with full CE Credits.  Take entire course here and request your certificate https://hr.harvardbenefits.com/290998

We Help Employees Have Fun Too!

How about winning some money!


  • We show employees where to go so they can play games, win prizes, or save money every day.  
  • We provide a free app for every employee organized by Geo Location to show them every location providing free items and chances to win. 
  • We work with local businesses as well as employees.  Let's say we are working with a local restaurant.  The first 100 customers who purchase a $100.00 gift card will be invited to a special golf party where they have a chance to win $50,000 in cash or a new Ford Mustang! 
  • We also have other games businesses play with Football boards, dice, etc. for employees.
  • The golfing parties are lots of fun, sponsored by brands, and are a perfect way to build team unity.  

How Do They Win?


  • Based on how the party is organized with employees, customers, or members of a group, here is how we create winning and fun.  
  • Everyone is given a chance to make a 10 ft. putt.
  • If they make the 10 ft. putt they win a prize and advance to a 30 ft. putt.
  • If they make the 30 ft putt, they win a bigger prize and advance to a 50 ft. putt for the grand prize!
  • If they make the 50 ft. putt, they walk away with $50,000 cash!
  • Watch a customer win $30,000.
  • We also have great community fundraisers with golf tournaments and a complete 1 million dollar hole in one package with prizes on every par 3.  These are perfect for large companies with many employees or for several companies in the area.

Click Here To See Video of an Employee winning $30,000!

Each business is a big winner too!


  • We use the benefits we bring to small business to cover the insurance for prizes so everyone wins.  
  • Each business using this concept receives $10,000 in advance gift card sales
  • Small Business Legal Package 
  • Voluntary Employee Benefits Package with Payroll deduction
  • Customer Benefits App with Exclusive Business Promotion
  • Customer Loyalty Texting Platform
  • Repeat the $10,000 gift card sales
  • Design of custom marketing ideas
  • Sponsorship support from brands
  • Higher spending, more frequency
  • Community support with gift cards and membership app
  • We bring communities together by covering the important stuff but still having fun at the same time!

Important, Fun, and Everyday for Members and Employees

Important Benefits


ID Theft and Legal Benefits for Employees are the top two benefits for absenteeism and keeping employees more productive.   

According to the FTC, over 40,000 complaints per day on ID Theft alone!  

In addition, the average employee spends over 600 hours or 3 months of PTO (paid time off), to fix the problem.  If they don't have 3 months of PTO, then they are distracted at work and try to do this during work hours and are far less productive due to distractions.  


We provide important legal and ID Theft protection with Kroll Fraud Services and Legal Shield which work perfectly together to give your employees peace of mind.  

Extremely affordable at our special Group Rate of just $33.90 per month for the employee, spouse and up to 10 children!  

When it comes to ID Theft, it's very important to not just have monitoring, but full time durable power of attorney to licensed fraud investigators so employees do not miss work and are not distracted.  

Schedule our free lunch and learn ID Theft workshop so we can educate your employees on the latest scams, Facebook breaches, and how to protect their families.

Fun Benefits


Most employee benefits are provided in the hope that employees never use them.  

Life insurance, cancer insurance, even health insurance.  Nobody wants their employees to get sick, die, or be diagnosed with cancer. 

SCT provides employee benefits which cover these important things, but we also have benefits which can be used every day and give employees a way to have fun and win cool prizes.  

The importance of happy employees does more to contribute to higher profits than any other single factor.

Don't miss the boat with incentive packages which are only designed to cover important things.

Profits to the business are also important and SCT is the only company providing all three of these benefits inside an easy to administer payroll deduction that's very affordable for every employee.  

Everyday Benefits


As a thank you for simply presenting ID Theft and Legal Insurance voluntary benefits to your employees, we will give every employee a free app on behalf of the owner for simply listening!  

Normally, $4.95 per month, per person, this app will not only give your employees free things all over town and discounts at over 300,000 business across the U.S., it will allow them access to win up to $1,000,000 cash with our charity golf tournaments and games.

If a hole in one is too difficult how about making a 30 ft. putt for a new car! 

The app is lots of fun and organized by GEO reminders so it's easy to use.  Employees will show their digital ID card and save money and have a chance to win amazing prizes!  

Now that's a nice thank you and it does not matter what employees decide!  A free lunch, free app, and lot's fun with chances to win!  

Employees will be given a special code as a thank you from the owner for attending.  

Employees Click Here to Register and then download the app with their user and password.