"The economy is down."

It’s a phrase we’ve likely all heard by now, and one which has troubled many working class families over the past few years. The truth of the matter is that the economy is down and that unemployment poses a serious threat for the average household. After all, how would your family fare if faced with a few months without income?

For those who don’t want to find out, top warranty companies have devised a set of protection plans, known as "Personal Safeguard Warranties." Within this collection of efficient, well-designed programs, you should locate an item by the name "Involuntary Unemployment Insurance."

In essence, involuntary unemployment insurance is just what it sounds like: a program which protects individuals from the effects of involuntary unemployment. For those covered, this translates into a predetermined set of payments for a set period of time. This money—which varies based on the specifics of a purchased plan—can go a long way in helping weather difficult times.

Because these payments will come at a crucial point in your life, we recommend researching available options thoroughly to avoid partnering with an untrustworthy company. For us, this tends to lead us back to familiar names like The Warranty Group (which have been around for nearly 50 years).

The Warranty Group can help restore your good name with our identity theft products. ID Restore™ and ID Restore Plus™ offer valuable benefits from credit monitoring to fully managed recovery.

Both products offer:

Personally assigned recovery advocate

Recovery kit

Fraud alerts placed at all three major credit bureaus

Contact with the government agencies to reverse any false information, transactions or misuse of official documents

Research and documentation of any fraudulent transactions, false accounts or contracts, plus follow-up to remove any wrongful activity from your personal records

ID Restore Plus can also include a credit monitoring benefit that daily monitors a person's credit for suspicious activity. Also available is an expense reimbursement benefit, providing a predetermined limit to cover expenses in recovering identity. If eligible, covered expenses may include lost wages, legal fees, loan refiling fees, long distance calls, postage and more.

The effect of job loss on your credit rating can be devastating. Involuntary Unemployment Insurance provides predetermined monthly payments for a specified time period. Available through credit unions, mortgage companies, and other financial institutions, this coverage can mean the difference between disaster and recovery from an unfortunate event. www.thewarrantygroup.com