Family Protection Plan

The wealthiest ten percent can afford to have a lawyer on retainer, and are accustomed to consulting with one before making decisions. On the other hand, the bottom ten percent have access to public aid. But what about the rest of us? For most people, the idea of calling a lawyer before signing a contract or making an important decision just isn't an option -- either because we think we don't need one or because it would simply cost too much. And with the growing threat of identity theft, the need for legal advice has become even more important.

But there is a solution. Think about it: When you're sick, health insurance lets you visit a doctor without having to worry about expensive bills. Car insurance protects you in the event of an accident on the road. In the same way, wouldn't it be great if you could call a lawyer when you had a legal concern, knowing it would cost you only a small monthly fee.

JOIN THE FAMILY PROTECTION PLAN

Every year, 1 in 2 families will require the services of an attorney.  Quite often, legal issues are accompanied or precipitated by other personal or financial issues.  The Family  Protection Plan contains all the necessary benefit components to deal with these issues. 

Legal Club of America’s® Family Protection Plan (FPP) is a wonderful benefit that is now available to you. The Plan covers you, your spouse, your children and any dependents living with you – all for one low monthly rate. The Family Protection plan provides you and your family with access to a network of attorneys, accountants, licensed clinicians and financial counselors that have contracted to provide free and discounted care to our members.

PLAN BENEFITS

Free & Discounted Legal Services

You and your family will have access to a nationwide network of thousands of plan attorneys in all 50 states  that have contracted with Legal Club to provide free and discounted legal services. Upon enrollment, you will be referred to a plan attorney based on geographic location, area of law required, and language preference. You may use as many plan attorneys, practicing any area of law, anywhere in the country as often as you like.

Free Service for Personal and Family Related Matters Provided by Plan Attorney:

In many states, attorney liability may require plan attorneys to obtain a retainer from the member prior to providing some of the free member benefits.

Deeply Discounted Services for Personal and Family Related Matters:

These are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.

Costs and filing fees additional. This program is not insurance coverage.

Guaranteed Low Hourly Rates for Personal and Family Related Matters:
Plan attorneys have contracted to never charge more than $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate for personal and family legal care that goes beyond the free and discounted services. After the free letters, calls and consultations take place, you and your attorney will decide what course of action to take next. In many cases, you will have no choice and litigation may ensue. This is the point in time that plan attorneys charge the $125.00 hourly rate or take 40% off their customary rate for personal and family legal care.

Contingency Fee Discounts for Personal and Family Related Matters:
Attorneys often work on a contingency fee basis on cases such as personal injury and collections. This fee is usually expressed as a percentage of the amount collected or awarded. In some cases, fee maximums are set by state law. Member’s fees will be a 10% reduction of the state maximum rate or the attorney’s usual rate, whichever is lower.

Tax Preparation & Advice

This comprehensive tax program provides you with free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to deep discounts on most tax schedules.

This valuable service provides you with the most commonly used tax related services free of charge or at a significantly discounted rate.

Legal Club members receive all this:

*Limited to one (1) per household.
**For new H&R Block clients only. A new client is a person who did not use H&R Block offices services to prepare their prior year return. Not valid on federal form 1040EZ and related forms. Valid only at participating US offices. Void if sold, purchased or transferred, and where prohibited. Offer must be presented prior to completion of initial tax office interview and may not be combined with any other offer, discount or special promotion or pricing program. Valid only for tax prep fees for an original personal income tax return. © 2009 HRB Tax Group, Inc.

The tax program provides for the preparation of your federal tax forms and schedules at discounted rates.  A schedule of these rates can be found on the following web site http://www.taxhotline.net.

 

Identity Theft Solutions

Our members will have toll free access to paralegals who will assist them with the process of preventing ID theft and/or restoring to its pre-theft state.

Keylogging Defense System™

Keyloggers are self propagating viruses that steal your keystrokes, and the information contained, as you navigate the internet. Our Keylogging Defense System™ eliminates online identity theft by encrypting every keystroke at the keyboard level and then reroutes those encrypted keystrokes directly to your browser. Our Keylogging Defense System bypasses the multiple communication areas that are normally vulnerable to keylogging attacks that could compromise your vital information.

With our defense system, members can now E-mail, access critical business applications, browse, shop and bank with confidence knowing that each and every keystroke is encrypted and not being transmitted to an awaiting Identity Thief.

Identity Monitoring
Identity Monitoring monitors the activity associated with an identity across multiple data sources to detect the type of fraudulent activity that takes place prior to the theft of an individual’s identity. Sources include:

As identity fraud usually precedes identity theft, this type of proactive alert system is critical to mitigating the extensive and expensive damage perpetrated after an identity is stolen and manipulated.

Identity Theft Restoration
Upon notification of an identity theft incident, paralegals will:

Identity Theft Insurance
Each member will receive up to $25,000 worth of identity theft insurance coverage*. This coverage will help members offset some of the costs of restoring their identity to its original status, including:

Lost and/or Stolen Credit Card Assistance

Financial Education & Credit Counseling

This component of the FPP provides Members with personalized services 24 hours a day, 7 days a week.  We provide access to counseling and financial education through a variety of delivery methods including telephone, online tools and live chat sessions.

This financial education program is designed to provide you and your family with the tools needed to make better financial decisions.  Personal financial guidance and education is provided by over 1,000 experienced financial counselors. 

The following is an outline of the free services included with this program:

Free Consultations - A complete financial assessment includes review and analysis of your household income, expenses, assets and liabilities.

Credit & Debt Counseling by Certified Credit Counselors

Housing Advisory Services

LifeEvents™ Counseling

This program provides you and your family with the following comprehensive services, which have proven to be effective in managing personal issues with various levels of care:

 24-Hour Member Advocate Line

All telephone inquiries from members and eligible family members will be answered directly by our Member Advocate Team, which consists of master’s-level clinicians who have specialized training in phone-based assessment and consultation.

The Member Advocate Team is always available, 24 hours a day, 365 days a year.  Member Advocates receive calls and determine callers’ needs.  They provide guidance, personal consultation, and, when appropriate, send personalized resource materials that target your specific needs.  Member Advocates also maintain a database of local community resources and will facilitate referrals to these resources as needed.

Member Advocates provide consultation for clinical issues.  Even clinical issues, in most cases, can be managed quickly and effectively through personal consultation services.  These services include unlimited phone consultations, the development of personal wellness plans, and follow-up contacts to offer ongoing support. 

Eligible Family Members

Include the plan member, plan member’s spouse or domestic partner, dependent children who are under the age of 25 and any dependent individuals living in the plan member’s home such as a parent or grandparent.

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Membership is only $14.00 per month

At a cost of $168.00 per year, the Family Protection Plan is a benefit your family cannot afford to be without. Credit card customers can schedule three consecutive monthly payments of $56.00 or 12 payments of $14.00.

 
*Identity Theft insurance is not available in NY. Identity theft insurance is underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. Contact Legal Club of America for more details. Restoration and Lost Credit Card Services are available to members and their eligible dependents. Insurance coverage and Identity Monitoring is limited only to the member.

For information on a legal plan for small business owners, click here.