Legal Plan Benefits

Benefits to your company:

• The employee pays the affordable premium cost via payroll deduction, there is no cost to your company or government unit.
• Employees are more productive. When your employees are stressed due to legal problems, identity theft or stolen funds, they are less productive and are more prone to accidents, costly mistakes, absenteeism and higher job turnover.
• Employee satisfaction is high. An average of 92% of employees renew their plan each year at open enrollment.

Benefits For the enrolled employee and their covered dependents:

• No charge for phone or in office consultations for personal legal matters with highly qualified network attorneys (average attorney in these plans has over 20 years of experience).  
• No charge for attorney representation in court for many matters.
• Also includes Identity Theft Programs – see Identity Theft

Many of covered legal matters:

• Preparation of wills (including trust for minors in will) including living wills and durable or springing powers of attorney
• Traffic offenses and restoration of driving privileges for all matters (except DUI)
• Consumer legal issues including disputed consumer complaints, incorrect credit reports, review of vehicle or credit card loan contracts, review of proposals with all home service contractors before the documents are signed.
• Civil lawsuits
• Administrative hearings with government agencies including IRS issues such as tax audit
• Adoption
• Guardianship or conservatorship
• Change of name (not including newspaper publication costs)
• Prenuptial agreement
• Debt collection counsel and defense
• Identity theft
• Personal bankruptcy or Wage Earner Plan to help make debt manageable
• Immigration assistance
• Juvenile court defense
• Landlord issues (for renter)
• Divorce (covered with most plans, with some plans covered as a optional rider)
• Divorce agreement disputes including child custody
• Real estate matters, including home purchase and sale

     In addition:

• For in plan attorneys’ services there are no claim forms, no deductibles, and no maximum benefits.
• Bilingual services for Spanish
• Pre-existing matters covered unless an attorney has been retained for a specific matter before becoming a plan member
• Common exclusions: the plan member may not use this plan to sue the employer for any reason.  Also excluded; appeals and class action suits, business matters, court costs and fines, divorce (unless included by contract rider)
• The above information is a summary; see your actual Plan Certificate for full details about benefits, limits and exclusions of your plan