Customer Protection Guarantee

We are pleased to share our Customer Protection Guarantee, designed to give you peace of mind. We value the trust you have placed in us, and we are committed to working with you to ensure your assets remain safe and secure.

Our Guarantee

We guarantee reimbursement for any money lost due to unauthorized activity in your employer-sponsored retirement account. Subject to the terms, conditions, exclusions, and investigation process described below, Mutual of America will reimburse eligible losses caused by unauthorized activity in an employer-sponsored retirement account. To qualify, you must:

• Register your account online with Mutual of America
• Regularly review and keep your contact information up to date
• Report any suspected identity theft or other suspicious activity in your account to Mutual of America

What Our Guarantee Doesn’t Cover: 

• Sharing of Credentials: Loss resulting from sharing your credentials or failing to secure them from anyone, including  family members or acquaintances.
• Transfers to External Accounts: Distributions sent to an external account beneficially owned by you may not be covered unless Mutual of America determines the transaction resulted from unauthorized account access or other covered fraud.
• Mailed Checks Fraudulently Cashed: Distribution checks that were mailed to your address on file, or to another address at your direction, but fraudulently cashed by someone else.
• Third-Party Security Incidents: Losses caused by third parties outside Mutual of America’s control may not be covered under the Customer Protection Guarantee and will be evaluated based on the circumstances of each case. This includes fraud, malware, or security issues caused by the plan sponsor, financial professional advisors, third-part advisors, third-party administrators (TPA), or anyone else you’ve given access to your account information.
• Loss Due to Unreported Issues: If you have experienced identity theft, a security breach, or a malware-related incident, it is essential that you report the issue to a Mutual of America representative immediately. Failure to do so may compromise your eligibility under our Customer Protection Guarantee.

If you suspect fraudulent activity on your account or if you believe your personal information may have been compromised, please contact us immediately at 800.468.3785.