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FAMILY PROTECTION PLAN
For as little as $16.00 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 Care
Tax Advice & Return Preparation
Identity Theft Solution
Financial Education & Credit Counseling
LifeEvents™ Counseling
Benefit Features
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, your children and any dependents that may be living with you.
Legal Care
Free Legal Services:
The following nine (9) services are available at no charge from your
plan attorney.
- Initial phone consultations for each new legal matter (no time
limit)
- Initial face to face consultations for each new legal matter (no
time limit)
- Review of independent legal documents (6 page maximum per document,
no limit to the number of new independent documents)
- Plan attorneys will prepare a free Simple Will for you and your
family, as well as update the Will annually for free. (see definition
of Simple Will in Section 3)
- A state specific, web based, free Living Will form is available
to Members. This form can be taken to a plan attorney and completed
by the attorney for free
- Plan attorneys will help Members represent themselves in small
claims court
- Assistance in solving problems with government programs, such as
INS and Welfare
- When deemed appropriate by your plan attorney, he or she will write
letters on your behalf (one letter per legal matter, with no limit
on the number of new legal matters)
- When deemed appropriate by your plan attorney, he or she will make
phone calls on your behalf (one phone call per legal matter, with
no limit on the number of new legal matters)
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.
Legal Services |
Member
Rate |
Non-Member
Rate |
 |
| Traffic Ticket Defense |
89.00 |
199.00 |
| Name Change |
155.00 |
1,100.00 |
| Simple Will with Minors Trust |
250.00 |
530.00 |
| Chapter 7 Bankruptcy |
750.00 |
1,500.00 |
| Non-Support (Spouse/Child) |
275.00 |
1,500.00 |
| Simple Divorce |
275.00 |
1,100.00 |
| Regular Incorporation |
295.00 |
585.00 |
| Personal Real Estate Closing |
250.00 |
675.00 |
*Court costs and filing fees additional.
Guaranteed Low Hourly Rate:
Plan attorneys have contracted to never charge more than $75.00 per
hour for legal care that goes beyond the free and discounted services
described above. 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 $75.00 hourly
rate for legal care.
Retainers:
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 $75.00 = a retainer
of $750.00. 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.
Tax Advice & Return Preparation
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:
- Unlimited advice for personal and business matters on federal taxation
via toll-free phone call/fax/e-mail (no time or frequency limitations)
- Free mail-in tax return preparation (includes 1040EZ, 1040A, and
1040)
- Free preparation of all schedules that accompany the form 1040
- $25.00 off of tax returns prepared by Jackson Hewitt
- IRS audit assistance
- Tax professionals will review any notice or letter issued by the
IRS and provide advice on how to understand and solve the matter.
- Access to a web-based IRS audit tutorial, as well as an IRS notification
tutorial.
- IRS notification assistance
- Tax planning
- Review of prior year's tax return
- Member portal with tax tips, tax law changes, tax organization
area, IRS audit area, IRS notification area and member advice on-line
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.
Identity Theft Restoration & Insurance Services
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 Restoration:
Upon notification of an identity theft incident, paralegals will:
- Consult with you to determine the severity of the theft
- Prepare and overnight a customized, pre-completed, state specific
“ID Recovery Kit™”
- Contact all three credit reporting agencies and obtain a free credit
report
- Place fraud alerts on your credit records, and obtain a list of
creditors involved with the fraud
- Notify the appropriate bank or agency if other forms of identification
(such as an ATM card, driver’s license, social security card,
or passport) were stolen or are missing, so that appropriate action
can be taken and new forms issued
- Notify local authorities of the incident and help you obtain necessary
reports
Lost or Stolen Credit Card Assistance:
Paralegals will assist you in the event your credit cards are misplaced
or stolen.
Paralegals will:
- Consult with you to determine the severity of the event
- Contact each credit card company while you are on the phone
- Cancel your affected credit cards
- Request new replacement cards
- Place fraud alerts with all three major credit bureaus
- Assist you with interpreting your credit reports
- Provide daily credit monitoring from all three
bureaus for six months to help prevent any further fraud
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:
- Lost wages: $500.00 per week, for 4 weeks maximum
- Re-filing of loans
- Defense cost for certain civil & criminal law suits
- Reimbursement of fees: Reasonable and necessary costs incurred
in the United States by the insured for:
(a) Re-filing applications for loans, grants or other credit instruments
that are rejected solely as a result of a stolen identity incident
(b) Notarizing affidavits or other similar documents, long distance
telephone calls and postage solely as a result of the insured's efforts
to report a stolen identity incident and/or amend or rectify records
as to the insured's true name or identity as a result of a stolen
identity event
(c) Up to six credit reports from established credit bureaus (with
no more than two reports from any one credit bureau) dated within
12 months after the insured's discovery of a stolen identity incident.
**Identity Theft Insurance is not available in NY State.
Insurance coverage is limited to the member only.
Unlimited Legal Care at Discounted Rates:
As an Identity theft victim, you will have access to a proprietary
attorney network that will represent you at the low hourly rate of $75.00
for all extended legal care.
You may use our program to prosecute identity theft thieves. This identity
theft program provides unlimited discounted legal care, at capped hourly
rates, enabling you to both defend yourself and prosecute thieves.
Financial Education & Credit Counseling
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:
- Free Consultations
A complete financial assessment will include a review and analysis
of your household income, expenses, assets and liabilities.
- Credit & Debt Counseling by Certified Credit
Counselors
A credit counselor takes the time to thoroughly understand and assess
current credit and debt issues. They will:
- Assist in creating a livable budget to balance income and expenses
- Provide specific advice on how to deal with creditors
- Offer money management and budgeting techniques to help gain
control of finances
- Develop a comprehensive spending plan
- Create an action plan to become debt free
- “Ask Susan” Online Counseling Sessions
A unique opportunity to receive a personalized response to questions
on subjects such as loans, budgeting, credit reporting, collections,
dealing with debt, and much more. Email your questions to receive
a personal response on these and other financial subjects.
- Housing Advisory Services
- Advice covering first time homeownership, affordable mortgages
and refinancing
- Post purchase counseling
- Reverse mortgages – what are they and how do they work
- Online Tools & Articles
Access online articles designed to inform, assist, educate and alert
you in all areas of credit, money management and how to get help.
- Online tools for budgeting
- Articles designed to help make smart financial decisions
- Articles designed to help with family financial and purchasing
decisions
- Hotlinks to a wide variety of consumer resources on topics
such as lending, credit reports, credit cards and vehicle purchasing
and financing
- Easy-to-use online calculators to help get finances back on
track. Calculators are available to help with budgeting, and vehicle
and home financing
- Tests and quizzes to gain a better understanding of how to
improve money management skills
- Money Choices
Five private self-paced courses, presented by Visa, that teach the
skills needed for smart money management
LifeEvents™ Telephonic Counseling
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.
At a cost of $192.00 per year, it's a benefit your family cannot afford
to be without. Credit card customers can schedule monthly payments of only $16.00 or
three consecutive monthly payments of $64.00.
"Membership is only $192.00 per year"
Nevada
Resident Info
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