My understanding is that it is "max of $125" If lots of people claim the cash, the payout will be lower per person. I'm torn as to which to do. The monitoring adds insurance if there is a breach, but Experian is owned by Equifax, at least in part or same parent company. So you are trusting the monitoring to same larger organization that already leaked it...
I suspect there is more value to me and cost to them by choosing the monitoring. And yes, they got both my wife and I.
Rusty Myers - Austin, TX
2009 BMW R 1200 GS Adventure
2013 BWM K 1600 GT