Family Protection Plan
For as little as $14.00 a month, you can have access to a nationwide network of professionals for all your professional needs.
Did you know that every year 1 in 2 families will require the services of an attorney? In many instances, legal issues are precipitated by other personal and professional challenges in one’s life. Mounting debt, tax season, substance abuse, stress on the job, or a personal crisis may be the catalyst for legal assistance. To help address these multiple needs, Legal Club created the Family Protection Plan. The plan provides members with access to a network of pre-qualified professionals in each of these major areas:
Legal Club of America’s Family Legal Plan anchors the Family Protection Plan. Legal Club is a discount legal referral service with a nationwide network of plan attorneys who provide free and discounted legal care for over 1 million families. Membership includes you, your spouse or domestic partner, dependent children under the age of 25 and any dependents that may be living with you, such as a parent or grandparent.
Free Legal Services:*
The following nine (9) services are available at no charge.
*In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free Legal Services.
Deeply Discounted Legal Services:**
The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.
**Court costs, filing fees and time charged for travel to and from any courts are additional.
Detailed Legal Services Definitions can be found in Section 3 of the Plan Guidebook.
Guaranteed Low Hourly Rate:
Plan attorneys have contracted to charge no more than $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services described above.
In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the plan’s discounted hourly rate. For instance; 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to you
Contingency Fee Discounts:
The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.
The Family Protection Plan provides comprehensive personal tax benefits including free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to most commonly used tax related schedules free of charge or at a significantly discounted rate.
Tax Related Benefits:
All tax and financial assistance is provided by tax attorneys, financial analysts, CPA's, former auditors and/or Enrolled Agents certified by the IRS. Additionally, all tax and financial advice is backed by a $1 million liability policy.
* Limit 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.
This component of the Family Protection Plan provides you and your family with personalized financial and credit counseling services 24/7, 365 days per year. We provide access to counseling and financial education through a variety of delivery methods including telephone, online tools and live chat sessions.
Whether you are renting or buying a home, having problems with debt, or setting up a trust, this financial education program is designed to provide you and your family with the tools necessary 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:
Our unique identity theft solution provides you with all the components necessary to restore your identity, and prevent future incidences of identity theft. All work done on your behalf is performed by qualified paralegals. Our program takes a completely hands on approach to identity theft restoration.
You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you with comprehensive, personalized recovery services.
Identity Theft Insurance*:
You will also receive up to $25,000 worth of identity theft insurance coverage underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help offset some of the cost of restoring your identity to its original status including:
* The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions. Insurance coverage is limited only to the member.
Identity Theft Restoration:
Upon notification of an identity theft incident, Privacy Advocates will act on your behalf as a dedicated case manager to:
Lost or Stolen Credit Card Assistance / Document recovery services:
Privacy Advocates will assist members in the event their credit cards are misplaced or stolen.
Privacy Advocates will:
Identity Monitoring searches and monitors for past history as well as real time identity frauds or threats. This service includes:
Our Identity Monitoring does much more than monitor credit, offering a solution as robust as the ones used by the nation’s leading financial institutions to prevent theft. Identity Monitoring uses innovative technology to detect misuse or even an elevated likelihood for misuse of an individual’s Social Security number, name, address, phone, and date of birth. By creating a SNAPD identity blueprint, this program monitors billions of data on a daily basis from sources such as:
As identity fraud usually precedes identity theft, this type of proactive system is critical to mitigating the extensive and expensive damage perpetrated after an identity is stolen and manipulated.
** Identity Monitoring coverage is limited only to the member.
Keylogging Defense System™
Our unique program is the only one in the country that provides you with a software tool that helps prevent identity theft.
Keyloggers are self propagating viruses that steal your keystrokes, and the information contained, as you navigate the Internet. Our Keylogging Defense System™ helps to proactively prevent online identity theft by encrypting every keystroke at the keyboard level and then reroutes those encrypted keystrokes directly to your Internet 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 browse, access critical business applications, shop and bank online with confidence knowing that each and every keystroke is encrypted and not being transmitted to an awaiting Identity Thief.
This program is designed to meet the needs of Legal Club’s members and their families. LifeEvents™ members have toll-free, 24/7, 365 day access to advocates who will provide them with personal consultation services. Our advocates are masters-level clinicians who have specialized training in phone-based assessment and consultation.
You and your family will have toll free access to behavioral health experts 24/7, 365 days a year. All calls are answered directly by licensed, degreed clinical staff, and all services are handled with complete confidentiality.
LifeEvents™ provides you and your family with telephonic counseling for marital, parent-child, substance abuse, emotional, legal/financial, childcare, and eldercare problems, as well as many other personal challenges or stresses. You and your family are entitled to unlimited telephonic counseling per episode.