FREE & Discounted Legal Services
$19.95 / Month
*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.
Traffic Ticket Defense
Simple Will with Minors Trust
**Court costs, filing fees and time charged for travel to and from courts are additional.
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.
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 appropriate discounted hourly plan rate.
The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney’s usual rate, whichever is lower.
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 Personal Legal 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:
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:
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. E-mail your questions to receive a personal response on these and other financial subjects.
Housing Advisory Services
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.
Five private self-paced courses, presented by Visa, that teach the skills needed for smart money management.
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.
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:
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.
* 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
Upon notification of an identity theft incident, Privacy Advocates will act on behalf of our members as a dedicated case manager to:
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:
** Identity Monitoring coverage is limited only to the member.
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.
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 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.
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.
Life Events 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.