Family Protection Plan Planmember Guidebook

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Section 4
Terms & Conditions

The following matters are excluded from your plan privileges:

• Legal matters involving the laws of jurisdictions outside the United States or its subdivisions.
• Legal matters where the plan member has already retained participating counsel at their usual rates prior to enrollment in the Legal Club.
• Frivolous legal matters as determined by the plan attorney in accordance with the professional code of ethics in their state.
• Any action involving Legal Club of America®, plan attorneys, affiliated companies or any of their company’s or affiliated company’s directors, officers, employees or agents in any matter in which they have interests adverse to the plan member’s.
• Legal matters against the plan sponsor, employer, directors, officers, agents or employees, where Legal Club membership was gained through the sponsor or employer’s efforts.
• In matters where the plan member and eligible family member have adverse interests, only the original plan member is eligible for plan discounts and not the family member unless both parties provide written authorization and consent otherwise.

**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 is limited only to
the member.

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