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Coalesce, LLC dba Benefitelect was the subject of a data breach notification filed with the NH Attorney General. The AG filing was recorded on October 15, 2025.
From the AG filing description
Coalesce, LLC, operating under the trade name Benefitelect, functions as a critical human resources and employee benefits administration platform. In this capacity, the company acts as a centralized nexus for employers and their workforce, managing complex benefits enrollment, health insurance selections, retirement accounts, Flexible Spending Accounts (FSAs), and pre-tax deduction tracking. Because Benefitelect interfaces directly with both corporate payroll systems and individual employee records, it occupies a position of immense trust, collecting, processing, and storing vast quantities of deeply sensitive personally identifiable information (PII) and protected health information (PHI) necessary for daily administration and open enrollment cycles. In 2025, Coalesce, LLC dba Benefitelect reported a significant data security incident to the New Hampshire Attorney General's Office. While specific forensic details regarding the exact intrusion vector continue to be analyzed, security events within the benefits administration sector typically involve unauthorized access to centralized databases, compromised web application portals, or vulnerabilities introduced through third-party vendor integrations. Because platforms like Benefitelect maintain continuous, high-volume data exchanges with employers, insurance carriers, and financial institutions, a network intrusion can quickly expose the foundational systems that house thousands of employee files across multiple corporate clients. The exposure of data from a benefits administration platform creates severe, multi-faceted risks for affected individuals. A typical breach of this nature exposes a dangerous combination of full names, dates of birth, Social Security numbers, home addresses, banking details for direct deposit or reimbursement, and specific health plan enrollment elections. This concentration of data is a goldmine for malicious actors. Social Security numbers and dates of birth form the bedrock of identity theft and synthetic fraud, enabling criminals to open fraudulent lines of credit, apply for government benefits, or file fraudulent tax returns in the victim's name. Furthermore, the inclusion of health insurance and medical election details exposes sensitive information regarding individuals' healthcare providers, prescription habits, and medical conditions, creating prolonged vulnerabilities to medical identity theft and targeted phishing scams. As a custodian of sensitive employee and financial data, Coalesce, LLC dba Benefitelect was bound by stringent legal and regulatory obligations to secure its infrastructure. Under state data protection statutes, the Federal Trade Commission (FTC) Act, and applicable provisions of the Gramm-Leach-Bliley Act (GLBA) and the Health Insurance Portability and Accountability Act (HIPAA) governing the handling of electronic PHI, the company had a legal duty to implement and maintain robust administrative, technical, and physical safeguards. These standards require continuous network monitoring, encryption of data at rest and in transit, multi-factor authentication, and regular vulnerability assessments. The occurrence of a widespread data breach strongly suggests systemic failures in these security protocols, indicating that the company may have fallen short of its legal obligations to protect consumer and employee data from foreseeable cyber threats. Receiving an official data breach notification letter from Coalesce, LLC dba Benefitelect is a formal legal admission that your private records were compromised due to inadequate security measures. Under the law, this notification establishes the foundational legal standing required to pursue financial compensation and injunctive relief through a class action lawsuit. Notably, affected individuals do not need to demonstrate that they have already suffered actual financial loss or identity theft to participate in a class action; the increased, imminent risk of future harm and the loss of privacy are sufficient grounds. Our firm is currently investigating potential legal claims on behalf of all impacted individuals, operating strictly on a contingency fee basis, which means you pay nothing out of pocket and owe no legal fees unless we successfully recover compensation on your behalf.
Based on the data types reported in this filing:
Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.
Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.
You may have been affected by the Coalesce, LLC dba Benefitelect data breach if:
Common categories of compensation in data breach class actions
Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.
Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.
HIPAA violations carry civil penalties between $100 and $50,000 per violation. Where a healthcare organization's negligence led to the exposure of protected health information, class members may recover statutory damages in addition to actual losses.
Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.
Several state data breach laws provide for statutory minimum damages — fixed amounts recoverable per affected individual regardless of actual loss. These provisions exist specifically to make legal action viable for victims who have not yet experienced direct harm.
Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.
Applicable State Law
This breach was reported under the New Hampshire data breach notification law, which mandates notification and establishes your right to seek damages.
No. Under New Hampshire data breach notification law and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.
Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.
Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.
If Coalesce, LLC dba Benefitelect is a covered healthcare entity or business associate under HIPAA, affected patients have additional rights — including the right to an HHS complaint. These HIPAA violations also strengthen civil damages claims. Consult an attorney to understand your full remedies.
Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.
Statutes of limitations for data breach claims vary by state but typically run 2–4 years. Depending on when you learned of the breach, you may still have time. Contact our office for a free eligibility review — there is no cost to find out.
Accepting free credit monitoring from Coalesce, LLC dba Benefitelect does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.
Received a notification letter from Coalesce, LLC dba Benefitelect?
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Verify My Notice LetterThis case file references a public filing made with the state filing in NH. This website is not affiliated with, endorsed by, or operated by any state government agency.
Coalesce, LLC dba Benefitelect breach?
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