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- Legal Club of America is a nationwide discount legal referral service.
We provide our members access to the largest proprietary attorney
network, who contract with us to provide our members with free and
discounted legal care.
- Legal Club has been in business since 1996 and is headquartered in Ft.
Lauderdale, FL
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- Legal Club is not an insurance program, there are:
- No limitations or exclusions
- No waiting periods
- No claim forms
- No pre-existing condition
exclusions
- No fee increases for usage
- No licensing
- Legal Club is the only program that is available in all 50 states.
- Our rates and benefits do not change from state to state. Members of
multi-state companies all pay one rate.
- Since we are not an insurance, we can accept enrollments throughout the
year
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- AON
- Mercer
- Willis
- CBIZ
- Combined
- Transamerica
- Trustmark
- And many more…
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- Methodist Hospital
- Macy’s (Federated Department Stores)
- Harris Teeter
- California State Employee Association
- Pep Boys
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- Nine Free Services
- Initial phone consultations for each new legal matter (no time limit)
- Initial face-to-face consultation for each new legal matter (no time
limit)
- Review of independent legal documents (6 pages max per document, no
limit to the number of new independent documents.)
- Plan attorneys will prepare a free Simple Will for the member and the
members spouse, as well as update the Will annually for free.
- A state specific, web based, free Living Will from 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 the plan attorney, he or she will make phone
calls on member’s behalf (one phone call per legal matter, with no limit
on the number of new legal matters).
- When deemed appropriate by the plan attorney, he or she will write
letters on the members behalf (one letter per legal matter, with no
limit on the number of new legal matters).
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- Eight Deeply Discounted Commonly Used Services
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- Low Hourly Rate
- Network attorneys cap their hourly rates at $75.00 per hour for extended
legal care (includes either in-court or out-of-court representation).
- Attorneys usually estimate the number of hours a case might consume
prior to beginning work on the case.
- Our plan represents tremendous savings from our competitor’s insurance
plans, who usually offer only a 25% discount off of the attorney’s
customary hourly rate.
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- Contingency Fee Discount
- Attorneys often work on a contingency fee basis on cases such as
personal injury and collections.
- Members are entitled to a fee reduction of 10% of the attorney’s usual
rate or the state maximum rate, whichever is lower.
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- Free tax advice via a toll-free phone number
- Free tax preparation (1040, 1040A, 1040EZ)
- Returns prepared over the phone or by mail
- Electronic filing available
- Free tax schedules with the filing of a 1040EZ, 1040A or 1040 for group
or worksite cases.*
- Free review of last year’s tax return
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- Member receives free, 24/7 telephonic credit counseling and financial
planning services:
- Free consultations and complete financial assessments
- Credit and debt counseling by Certified Credit Counselors
- “Ask Susan” live on-line counseling sessions
- Advice on home ownership, mortgages, refinancing, retirement and
college planning
- On-line tools, easy to use calculators, articles and courses
- Qualified professionals answer questions, provide advice, and do NOT
sell products
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- Members have toll-free access to paralegals who will assist them with
the process of preventing ID theft and/or restoring it to its pre-theft
state.
- Identity Monitoring
- IDAlert™ 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:
- Credit Bureau Data
- DMVs
- Bankruptcy Lien and Judgment
Filings
- Utilities
- Public Records
- Private Contributory Databases
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- Restoration
- A Recovery Team of fraud investigators, legal counsel, paralegals and
other ID theft experts will:
- Notify the three major credit bureaus of the event
- Pull and analyze credit reports
- Place fraud alerts with all appropriate agencies
- Create a customized recovery plan
- Provide member with a recovery kit customized with pre-completed, state
specific forms
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- Identity Theft Insurance*
- Each member will receive up to
$25,000 worth of identity theft insurance to cover costs to restore
identity ($0 deductible). Covers:
- Lost wages, filing fees, civil defense litigation
- Other fees, such as postage, application fees, and travel
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- Lost/Stolen Credit Card Assistance
- If member’s credit card is stolen or lost, specialists will:
- Contact each credit card company while member is on the phone
- Cancel affected credit cards and request replacement cards
- Place fraud alerts with all three major credit bureaus
- Assist member in interpreting their credit report
- Provide daily credit monitoring from all three bureaus for six months.
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- Members have access to free, unlimited 24/7 telephonic counseling
services provided by licensed, degreed counselors.
- Counseling is provided for problems related to marital, parent-child,
alcohol, drug abuse, emotional, legal/financial, childcare, eldercare,
etc. issues.
- Counselor conducts initial assessment to determine member’s needs.
- If required, counselor schedules appointment for in-person assessment
with local provider (community agencies, local hospital, etc.).
Counselor coordinates with member’s benefit plan to ensure
comprehensive service.
- Counselor follows up with member and local provider every step of the
way to ensure successful treatment and member satisfaction.
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- Membership includes:
- Member
- Member’s Spouse or domestic partner
- Dependents 25 years and younger
- Any dependent individuals living in the plan member’s home such as a
parent or grandparent.
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- Family Protection Plan: $14.00 per member/month
- Includes:
- Free and Discounted Legal Care (Family Legal Plan*)
- Tax Preparation & Advice
- Financial Education & Credit Counseling
- Identity Theft Solutions
- LifeEvent™ Counseling
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- Discounted rates are available for employer paid programs.
- Contact Legal Club for pricing.
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- Welcome package sent to new member within 7-10 business days. Package includes a membership card,
plan member guidebook, a Last Will & Testament questionnaire, and
contact information for their Legal Club plan attorney.
- Members can contact Customer Service at
- (800-305-6816) for assistance immediately after enrolling.
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- 6-Year Paid-Up Premium Provision
- Free membership into the Family Legal Plan after 6 consecutive years of
membership.
- 3-Year Paid-Up Premium Provision
- Free membership into the Family Legal Plan after 3 consecutive years of
membership for members that retire.
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- Once the member is enrolled, member has immediate access to plan
benefits and attorneys.
- Member contacts attorney directly to arrange for consultation.
- Attorney concerns can be addressed easily by contacting the Legal Club.
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- 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.
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- Family Legal Plan (800) 305-6816
- Hours of operation: Monday – Friday
8:30 AM - 8:00 PM EST
- Tax Advice & Preparation (866)
544-4399
- Hours of operation: Monday – Friday
10:00 AM – 6:00 PM EST
- Financial Education & Credit Counseling Services (866) 944-2227
- Hours of operation: Monday – Friday 9:00 AM – 5:00 PM EST
- Identity Theft Restoration/Insurance
(866) 434-3572
- Hours of operation: 24/7, 365 days a year
- Member must identify themselves as Legal Club members and refer to
POLICY #916304
- Restoration/Lost Credit Card Assistance (800) 441-6531
- LifeEvents™ Counseling (800) 843-1327
- Hours of operation: 24/7, 365 days a year
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- Members are assigned an attorney based on 3 criteria: Location, Area of
Law, Language spoken.
- Members can call from anywhere in the country and request an attorney to
help solve any legal situation.
- Members may have attorneys in multiple states covering a variety of
situations at the same time.
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- Legal Club’s plan attorneys average 19.6 years of experience.
- Attorneys must maintain good standing in their respective bar
associations.
- Attorneys must maintain professional liability insurance.
- We us the Martindale Hubbel guide to rate attorneys. Attorneys must have
an “AV” or “BV” rating.
- Attorneys must maintain a good courtesy rating assigned by the Legal
Club.
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- Legal Club conducts quarterly surveys.
We update attorneys with all information make sure they are
familiar with plan features and pricing, how calls are answered
after-hours, etc.
- Legal Club assigns ratings of A, B, C & F.
- Only “A” and “B” rated attorneys are referred to members.
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- 2-4 Weeks Out:
- Submit Group Application
- If needed, area is scouted for attorney coverage
- Enrollment needs addressed
- PowerPoint presentation (laptop/online)
- Brochures & enrollment forms (paper)
- If needed, enrollment assistance is available
- Enrollment Period
- Enrollment forms/information submitted to LCOA
- Effective Date – member now utilize benefits!
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- Capabilities
- Legal Club has nationwide enrollment capabilities. Enrollments can be accomplished in
group or individual settings; via paper enrollments, on laptops, online
or over the phone.
- We are integrated in to most leading laptop enrollment software
platforms.
- Legal Club also exists on most of the major Third Party Administrators
billing and product platforms.
- Legal Club is also integrated into leading telephonic enrollment
centers.
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- Billing Options
- Direct Billing for Group Enrollments
- Monthly, Legal Club will issue a list bill to the employer directly.
- Legal Club is integrated with most TPAs
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- Members can contact Member Services for any needs that they might have.
- Toll Free Customer Service:
- 800-305-6816
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- Agents can contact Agent Services for any reason
- Marketing materials/literature
- Enrollment questions
- Form requests
- Personalized RFPs/proposals
- Call Agent Services:
- 800-852-6829, ext. 128
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- Operations
- Group set-up, electronic data transfers
- Seth Follansbee
- 954-377-0222 x101
- sfollansbee@legalclub.com
- IT
- TPA system integration, data field requirements, file transfers/import
& export
- William (Bill) Case
- 954-377-0222 x129
- wcase@legalclub.com
- Group Sales & Marketing
- Requests for proposals, enrollment coordination, etc.
- Donald A. Rowe
- 954-377-0222, ext. 103
- drowe@legalclub.com
- Affinity & Direct Marketing
- Brett Merl
- 954-377-0205
- bmerl@legalclub.com
- Agent Services
- Agent registration, commissions, literature/forms, agent inquiries
- Cynthia Lowry
- 800-852-6829 x128
- clowry@legalclub.com
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Notes