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Name

Personal Legal Defender(R) - Caldwell Legal, U.S.A.(R)

Family Legal Plan - Legal Club of America(R)

Family Protection Plan - Legal Club of America(R)

Standard Family Plan - Pre-Paid Legal Services, Inc.

Extended Family Plan - Pre-Paid Legal Services, Inc.

Telephone advice

Unlimited telephone advice and consultation for simple personal legal matters - Traffic & Accident Matters, Child Custody, Consumer Protection, Contracts, Estate Law, Employment Law, Medical Malpractice, Land Law, Landlord/Tenant Rights, Small Claims Advice, Divorce, Bankruptcy, Personal Injury, Products Liability, Juvenile Matters, Sexual Harassment, and many more.)

Initial phone consultations for each new legal matter (no time limit.)

Initial phone consultations for each new legal matter (no time limit.)

Phone consultations on unlimited personal or business-related matters. Nevada residents limited to 50 hours of telephone consultation per year.

Phone consultations on unlimited personal or business-related matters. Nevada residents limited to 50 hours of telephone consultation per year.

Toll Free phone number

Yes.

Yes.

Yes.

Yes.

Yes.

Face to face consultations

Available at reduced rates with a referral attorney.

Initial face to face consultations for each new legal matter (no time limit.)

Initial face to face consultations for each new legal matter (no time limit.)

Necessary letters written on your behalf by your attorney

Yes, simple personal legal matters only.

One letter per legal matter, with no limit on the number of new legal matters.

One letter per legal matter, with no limit on the number of new legal matters.

One letter or call per personal subject legal matter, with no limit on the number of new legal matters, if advisable at the Provider Law Firm's sole discretion. Two business letters per year. Additional assistance for the same subject at 25% discount.

One letter or call per personal subject legal matter, with no limit on the number of new legal matters, if advisable at the Provider Law Firm's sole discretion. Two business letters per year. Additional assistance for the same subject at 25% discount.

Necessary telephone calls made on your behalf

Yes, simple personal legal matters only.

Yes, one phone call per legal matter, no limit on the number of new legal matters.

Yes, one phone call per legal matter, no limit on the number of new legal matters.

One call or letter per personal subject legal matter, with no limit on the number of new legal matters, if advisable at the Provider Law Firm's sole discretion. Additional assistance for the same subject at 25% discount.

One call or letter per personal subject legal matter, with no limit on the number of new legal matters, if advisable at the Provider Law Firm's sole discretion. Additional assistance for the same subject at 25% discount.

Contract and document review

6 pages per document, no limit to the number of documents. (Contracts, leases, etc.) Simple personal legal matters only.

6 pages per document. No limit to the number of new independent documents.

6 pages per document. No limit to the number of new independent documents.

10 pages per document. No limit to the number of documents. One business document review each year. Nevada residents limited to 5 personal legal documents reviewed per year.

10 pages per document. No limit to the number of documents. One business document review each year. Nevada residents limited to 5 personal legal documents reviewed per year.

Agency referrals to appropriate private or government agency

Yes.

Assistance in solving problems with government programs, such as INS and welfare.

Assistance in solving problems with government programs, such as INS and welfare.

Will

One Simple Will or yearly update available free-of-charge to member, spouse or eligible dependent. Additional simple wills available at $25.00 each.

Simple Will, you and family, and free yearly updates. State specific, web based, free Living Will form available, completed for free.

Simple Will, you and family, and free yearly updates. State specific, web based, free Living Will form available, completed for free.

Will with free yearly reviews and updates. $20 per will for covered family members, changes and updates $20.

Will with free yearly reviews and updates. $20 per will for covered family members, changes and updates $20.

Vital Records

ARCHIVES, LIFE RECORDS(TM) - an information booklet and document keeper to help you organize and maintain your vital records. The handbook includes important information on Estate Planning, Probate, etc.

Tax Advice

TAX HOTLINE(TM) SERVICE - Tax experts including CPAs, enrolled agents, former auditors and tax attorneys on call to help answer your tax questions.
- Unlimited telephone advice on personal federal tax matters with an experienced staff of tax experts.
- Review of last year's tax return.
- Research into complex tax matters.
- Tax tips for sole proprietors.

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) and and free preparation of all schedules that accompany the form 1040, one per household. Review of prior year's tax return, one review per household. IRS notification assistance. IRS audit assistance. Tax planning. Member portal with tax tips, tax law changes, tax organization area, IRS audit area with IRS audit tutorial. IRS notification area with IRS notification tutorial and member advice on-line. $20.00 off of tax returns prepared by H & R Block®

IRS Audit Legal Services.

IRS Audit Legal Services.

Financial Education and Credit Counseling

27/4, 365 days/year Personalized financial and credit conseling services.
-Financial consulations.
- Credit & Debit Counseling by Certified Credit Counselors - livable budget to balance income and expenses; specific advice on how to deal with creditors, money management and budgeting techniques, comprehensive spending plan, action plan to become debt free.
- Ask Suzan - Online counseling Session - loans, budgeting, credit reporting, collections, dealing with debt and much more via email. Housing Advisory Services
- Online Tools & Articles - Online tools for budgeting, articles about smart financial decisions, family financial and purchasing.
Hotlinks on consumer resources such as lending, credit reports, credit cards and vehicle puchasing and financing, test and quizes on 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

Travel Service

Access to a local lawyer in your state and across the United States.

IRS Audit Legal Services

50 hours of Provider Lawyer's time when receiving a written notice of an IRS audit or are requiested to appear at the IRS offices regarding the tax return - up to one hour for consultation, advice, and assistance when you receive written notice from the IRS of audit or appearance; if there is no settlement within 30 days, 2.5 hours for audit representation, negotiations, phone conversations, and settlement conferences prior to litigation; if there is no settlement without litigation, 46.5 of the remaining hours are available for actual trial appearance suded by IRS, or if paying the disputed tax and sueing the IRS. IRS Audit Legal Services does not cover business tax returns, garnishment, attachment or any other appeal, class actions, interventions or amicus curiae filings, charges of tax fraud or income tax evasions, Trust returns, payroll and information returns, partnerships, corporation returns or portions thereof that are included in the member's tax returns, pre-existing conditions - where member has been notified by the IRS prior to enrollment, and services rendered by an enrolled agent. Coverage includes the return due on April 15th of the first membership year.

50 hours of Provider Lawyer's time when receiving a written notice of an IRS audit or are requiested to appear at the IRS offices regarding the tax return - up to one hour for consultation, advice, and assistance when you receive written notice from the IRS of audit or appearance; if there is no settlement within 30 days, 2.5 hours for audit representation, negotiations, phone conversations, and settlement conferences prior to litigation; if there is no settlement without litigation, 46.5 of the remaining hours are available for actual trial appearance suded by IRS, or if paying the disputed tax and sueing the IRS. IRS Audit Legal Services does not cover business tax returns, garnishment, attachment or any other appeal, class actions, interventions or amicus curiae filings, charges of tax fraud or income tax evasions, Trust returns, payroll and information returns, partnerships, corporation returns or portions thereof that are included in the member's tax returns, pre-existing conditions - where member has been notified by the IRS prior to enrollment, and services rendered by an enrolled agent. Coverage includes the return due on April 15th of the first membership year.

Motor Vehicle Legal Services

2.5 hours of lawyer time per claim and do not include the filing of a lawsuit and exclude personal injury and property claims that exceed $2,000. 25% discount and consult with the Provider Law Firm under the toll-free consultation benefit for any exclusions under this benefit. Representation under this benefit is provided when the member has a valid driver's license and is driving a properly licensed motor vehicle. Any fines and court costs are the member's expense. Pre-existing conditions, charges of DUI/DWI related matters, drug-related matters, hit-and-run related charges, leaving the scene of an accident, and unmeritorious cases are excluded. Commercial vehicles with more than two axles are not covered. Available 15 days after enrollment.

2.5 hours of lawyer time per claim and do not include the filing of a lawsuit and exclude personal injury and property claims that exceed $2,000. 25% discount and consult with the Provider Law Firm under the toll-free consultation benefit for any exclusions under this benefit. Representation under this benefit is provided when the member has a valid driver's license and is driving a properly licensed motor vehicle. Any fines and court costs are the member's expense. Pre-existing conditions, charges of DUI/DWI related matters, drug-related matters, hit-and-run related charges, leaving the scene of an accident, and unmeritorious cases are excluded. Commercial vehicles with more than two axles are not covered. Available 15 days after enrollment.

Identity Theft

Protect and restore your financial reputation.
- Unlimited telephone advice and consultation.
- Necessary letters on your behalf with regard to identity theft issues.
- Necessary phone calls on your behalf with regard to identity theft issues.
- Simple matters only. Attorney services available at reduced rates for more complicated legal matters.

Identity Theft Insurance - 24/7, 365 days per year access to Identity Theft Restoration Advocates for comprehensive, personalized recovery services.
- Identity Theft Insurance, refer to actual policy for complete details of coverage and exclusions - $25,000 coverage to offset some of the cost of restoring your identity - lost wages, $500/week, 4 weeks maximum. Re-filing of loans. Defends cost for certain civil and criminal law suits. Reimbursement of fees, reasonable and necessary costs incured in the US by the insured for re-filing applciations for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity incidet, notarized afidavits or other similar documents, long distance telephone calls and postage 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, up to six credit report from established credit bureaus, no more than two reports from any one credit bureau, dated withein 12 month after the insured's discovery of a stolen identity incident.
- Identity Theft Restoration - determine the severity of the event, prepare and overnight a customized, pre-compleated, state specific "ID Recovery Kit(TM)", contact all three credit reporting agencies and obtain a free credit report, place fraud alerts and obtain a list of creditors involved with the fraud, notify appropriate bank or agency if other froms of identification (ATM card, driver's license, social security card, or passport) were stolen or are missing, notify local authorities and help obtain necessary reports .
- Lost or stolen credit card assistance - determine the severity of the event, contact each credit card company while on the phone, cancell affected credit cards, request replacement cards, place fraud alerts with all thee major credit bureaus, assist with interpreting credit reports, provide daily credit monitoring from all three bureaus for six months.
- Identity Monitoring limited only to the member - Credit Bureau Data, DMVs, Bankruptcy Lien and Judgement Filigs, Utilities, Public Records, Private Contributory Databases.
- Keylogging defence system.(TM)

+$9.95 Identity Theft Shield(SM) Rider
- Credit Report - a free up-to-date credit report through Experian, a personal credit score calculated by an independent scoring service, and a detailed analysis of the personal credit score.
- Continuous Credit Monitoring - notifications by Experian on new accounts opened, on derogatory notations added to the credit report, on public records added and inquiries made against the report, and on a change of address.
- Identity Restoration - Fraud alert notifications sent on the member behalf and applicable follow up done with affected agencies and institutions, including: credit card companies, financial institutions, all three credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, law enforcement personnel, and the U.S. Postal Service. Proactive searches of applicable local and national databases made to look for criminal activity in the member's name in the member's county's records and certain federal watch lists, for the Department of Motor Vehicle records in the member's state, for unknown addresses affiliated with the member's name, and for banking activity in the member's name reported as fraudulent.
- Exclusions - dishonest, criminal, malicious, or fraudulent act the member, the member's spouse, or the member's child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that occurred prior to enrollment date. Services provided do not cover financial losses arising from the identity theft. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to provide the Proactive Database Searches listed. A stolen identity event does not include the theft or unauthorized or illegal use of business name, d/b/a, or any other method of identifying member's business activity. The restoration services are available to current members.
+$1 Safeguard for Minors
-safeguard - training material on safeguarding the member children against identity theft, includes credit education for minors, best practices for the use of your child's Social Security number, and Personal Identifying Information, from infancy to their late teens, best practices for privacy, protecting the member's child from identity abuse from a family member, establishing the child's identity credentials in the event of identity theft. -credit Monitoring - existence of a credit file. - consultation - assistance from a licensed private investigator regarding identity theft of a member's child, verification if a credit file exists with the three credit bureaus, researching the child's SSN for fraudulent activity and claiming a dependant on someone else's taxes error, placing a fraud alert with the three credit bureaus, fraud alerts for credit files and opt outs for marketing activity. - identity Restoration - assistance in obtaining a police report, provide credit reports if they have been created, dispute all fraudulent accounts with creditors, collectors, credit bureaus, utility companies, check clearinghouse agencies, banks, and others as the situation warrants, place fraud alerts with all three credit reporting agencies, Federal Trade Commission, United States Postal Service, and the Social Security Administration. Place a 7-year fraud victim statement with the credit reporting agencies or place a Credit Bureau Minor Fraud alert. - exclusions: Legal Remedy - Any Stolen Identity Event where the victim is unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences. Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the Member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss - Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. Pre-existing Stolen Identity Event Limitations - If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the Identity Theft Shield program, such an event or the consequences caused by it are not covered. Business - A covered stolen identity event does not include the theft or unauthorized or illegal use of their business name, DBA or any other method of identifying their business activity.

+$12.95 Identity Theft Shield(SM) Gold Rider
Same as the Identity Theft Shield(SM) Rider for three credit bureaus.

+$9.95 Identity Theft Shield(SM) Rider
- Credit Report - a free up-to-date credit report through Experian, a personal credit score calculated by an independent scoring service, and a detailed analysis of the personal credit score.
- Continuous Credit Monitoring - notifications by Experian on new accounts opened, on derogatory notations added to the credit report, on public records added and inquiries made against the report, and on a change of address.
- Identity Restoration - Fraud alert notifications sent on the member behalf and applicable follow up done with affected agencies and institutions, including: credit card companies, financial institutions, all three credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, law enforcement personnel, and the U.S. Postal Service. Proactive searches of applicable local and national databases made to look for criminal activity in the member's name in the member's county's records and certain federal watch lists, for the Department of Motor Vehicle records in the member's state, for unknown addresses affiliated with the member's name, and for banking activity in the member's name reported as fraudulent.
- Exclusions - dishonest, criminal, malicious, or fraudulent act the member, the member's spouse, or the member's child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that occurred prior to enrollment date. Services provided do not cover financial losses arising from the identity theft. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to provide the Proactive Database Searches listed. A stolen identity event does not include the theft or unauthorized or illegal use of business name, d/b/a, or any other method of identifying member's business activity. The restoration services are available to current members.
+$1 Safeguard for Minors
-safeguard - training material on safeguarding the member children against identity theft, includes credit education for minors, best practices for the use of your child's Social Security number, and Personal Identifying Information, from infancy to their late teens, best practices for privacy, protecting the member's child from identity abuse from a family member, establishing the child's identity credentials in the event of identity theft. -credit Monitoring - existence of a credit file. - consultation - assistance from a licensed private investigator regarding identity theft of a member's child, verification if a credit file exists with the three credit bureaus, researching the child's SSN for fraudulent activity and claiming a dependant on someone else's taxes error, placing a fraud alert with the three credit bureaus, fraud alerts for credit files and opt outs for marketing activity. - identity Restoration - assistance in obtaining a police report, provide credit reports if they have been created, dispute all fraudulent accounts with creditors, collectors, credit bureaus, utility companies, check clearinghouse agencies, banks, and others as the situation warrants, place fraud alerts with all three credit reporting agencies, Federal Trade Commission, United States Postal Service, and the Social Security Administration. Place a 7-year fraud victim statement with the credit reporting agencies or place a Credit Bureau Minor Fraud alert. - exclusions: Legal Remedy - Any Stolen Identity Event where the victim is unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences. Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the Member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss - Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. Pre-existing Stolen Identity Event Limitations - If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the Identity Theft Shield program, such an event or the consequences caused by it are not covered. Business - A covered stolen identity event does not include the theft or unauthorized or illegal use of their business name, DBA or any other method of identifying their business activity.

+$12.95 Identity Theft Shield(SM) Gold Rider
Same as the Identity Theft Shield(SM) Rider for three credit bureaus.

Riders - Legal Shield Rider

+$1 Legal Shield Rider
24/7 Legal Shield hotline, toll-free number to call when injured in an accident, When authorities attempt to remove a member child from home or custody or when served with a warrant.

+$1 Legal Shield Rider
24/7 Legal Shield hotline, toll-free number to call when injured in an accident, When authorities attempt to remove a member child from home or custody or when served with a warrant.

Riders - Home Based Business Rider

+$14.50 Home Based Business Rider
- Unlimited toll free telephone consultation for issues regarding the home based business. - Legal Correspondence Services - Up to three letters written each month (no more than one per subject matter) at the Provider Law Firm's sole discretion. Follow-up letters provided at a 25% discount off the Provider Law Firm's standard hourly rate. - Contract Review - up to three contracts, up to 15 pages, each month. Nevada residents limited to 5 personal legal documents reviewed per year. - Debt Collection - up to three separate initial collection letters per month at no additional charge. 25% discount off the provider lawyer's standard hourly rate for additional letters written in a given month. - IRS - Schedule C - IRS Audit Legal Services, as provided by the legal service plan membership, for items included on a Schedule C attached to the member's personal tax return. - Trial Defense Services - 25% discount off your provider lawyer's standard hourly rate for a civil action filed in a state or federal district court. - Reduced Fee Services - 25% discount off the provider lawyer's standard hourly rate, including pre-existing conditions. - GoSmallBiz.com - Small Business consultation with small business experts by fax and email on Tax & Accounting, Sales & Marketing, Legal, Human Resources, Insurance and others, Current business news, Stock quotes, Access to capital, Starting a business, database of businesses available for purchase, on-line organizational tools. Eligibility - Expanded Plan membership with the business address beeing the same as the home address, 3 or fewer employees, for-profit and not publicly traded. Due to regulatory requirements, benefits and rates vary in certain states and provinces, only a plan contract can give actual terms, coverage, amounts, conditions and exclusions.

Reduced Fee Services

$125 per hour for many legal matters. Or, 25% reduction off the attorney's usual and customary fee for matters involving more than 2 days court or hearing time, flat-fee services or specialized areas of the law.

$89 Traffic Ticket Defense. $155 Name Change. $250 Simple Will with Minors Trust. $750 Chapter 7 Bankrupcy. $275 Non-Support (Spouse/Child). $275 Simple Divorce. $295 Regular Incorporation. $250 Personal Real Estate Closing.
Either $125 per hour for many complicated legal matters or 40% off the attorney's usual customary rate, whichever is greater, for legal matters that go beyond the free and discounted services. The attorney may ask for a retainer.

$89 Traffic Ticket Defense. $155 Name Change. $250 Simple Will with Minors Trust. $750 Chapter 7 Bankrupcy. $275 Non-Support (Spouse/Child). $275 Simple Divorce. $295 Regular Incorporation. $250 Personal Real Estate Closing.
Either $125 per hour for many complicated legal matters or 40% off the attorney's usual customary rate, whichever is greater, for legal matters that go beyond the free and discounted services. The attorney may ask for a retainer.

25% reduction of the standard hourly rate, plan member and spouse. The attorney may ask for a retainer. 25% discount for trust preparation.

25% reduction of the standard hourly rate, plan member and spouse. The attorney may ask for a retainer. 25% discount for trust preparation.

Pre-existing legal matters

25% reduction off the attorney's usual and customary fee.

Small Claims Court

Not applicable. Member may contact the Legal Service Office for telephone advice and consultation.

Assistance with preparing a case

Assistance with preparing a case

Trial Defense Services

60 hours of your Provider Lawyer's time when you or your spouse is named defendant or respondent in a covered civil or criminal action which arises out of the direct performance of the covered person's employment activities, up to 2.5 hours may be used for all legal services rendered in defense of the covered suit prior to actual trial. Up to 57.5 of the remaining hours are available for actual trial time including covered criminal preliminary hearings. 2nd year renewal: Up to 120 hours of assistance including up to 3 hours of pre-trial time. 3rd year renewal: Up to 180 hours of assistance including up to 3.5 hours of pre-trial time. 4th year renewal: Up to 240 hours of assistance including up to 4 hours of pre-trial time. 5th year renewal: Up to 300 hours of assistance including up to 4.5 hours of pre-trial time. Trial Defense Services applies only to the named member and spouse. Divorce, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, drug-related matters (whether prescribed or not), hit and run, leaving the scene of an accident and civil or criminal charges occurring as a result of operating a commercial vehicles with more than two axles, being named in a civil lawsuit or having criminal charges filed against the member because listed as an owner, management or associate of the business and you had no direct involvement with the act or matter that gave rise to the lawsuit or criminal charge are not covered under this benefit, but are covered by the preferred member discount. Preexiting contidtions are excluded. Lawsuit is filed after becoming a member are covered with your preferred member discount. Class actions, interventions or amicus curiae filings in which the covered member is a party (or potential party) are excluded. Also, this coverage does not include garnishment, attachment or any other appeal. The Provider Law Firm determines if the claim or defense to a matter will prevail in court or is frivolous or without merit, to appeal any judgment or decision, or to present the claim or defense according to the independent professional judgment. Pre-Paid Legal will not influence or attempt to modify how the Provider Law Firm provides their professional services.
Preferred Member Discount - depending on the legal needs, a retainer may be required by the Provider Law Firm which is responsible for determining the amount of the retainer and any other anticipated costs: fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any out-of-pocket expenses. The member has to notify the Provider Law Firm at least five business days in advance when court representation is required.

75 hours of your Provider Lawyer's time when the member or spouse is named defendant or respondent in a covered civil or criminal action which arises out of the direct performance of the covered person's employment activities, up to 17.5 hours may be used for all legal services rendered in defense of the covered suit prior to actual trial. Up to 57.5 of the remaining hours are available for actual trial time including covered criminal preliminary hearings. 2nd year renewal: Up to 140 hours of assistance including up to 23 hours of pre-trial time. 3rd year renewal: Up to 205 hours of assistance including up to 28.5 hours of pre-trial time. 4th year renewal: Up to 270 hours of assistance including up to 34 hours of pre-trial time. 5th year renewal: Up to 335 hours of assistance including up to 39.5 hours of pre-trial time. Trial Defense Services applies only to the named member and spouse. Divorce, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI, drug-related matters (whether prescribed or not), hit and run, leaving the scene of an accident and civil or criminal charges occurring as a result of operating a commercial vehicles with more than two axles, being named in a civil lawsuit or having criminal charges filed against the member because listed as an owner, management or associate of the business and you had no direct involvement with the act or matter that gave rise to the lawsuit or criminal charge are not covered under this benefit, but are covered by the preferred member discount. Preexiting contidtions are excluded. Lawsuit is filed after becoming a member are covered with your preferred member discount. Class actions, interventions or amicus curiae filings in which the covered member is a party (or potential party) are excluded. Also, this coverage does not include garnishment, attachment or any other appeal. The Provider Law Firm determines if the claim or defense to a matter will prevail in court or is frivolous or without merit, to appeal any judgment or decision, or to present the claim or defense according to the independent professional judgment. Pre-Paid Legal will not influence or attempt to modify how the Provider Law Firm provides their professional services.
Preferred Member Discount - depending on the legal needs, a retainer may be required by the Provider Law Firm which is responsible for determining the amount of the retainer and any other anticipated costs: fines, court costs, penalties, expert witness fees, bonds, bail bonds, and any out-of-pocket expenses. The member has to notify the Provider Law Firm at least five business days in advance when court representation is required.

Contigency fee discounts

Not applicable. Member may contact the Legal Service Office for telephone advice and consultation.

10% reduction of the state maximum rate, or of the attorney's usual rate, whichever is lower.

10% reduction of the state maximum rate, or of the attorney's usual rate, whichever is lower.

Telephonic Counseling

LIFEEVENTS(TM) TELEPHONIC COUNSELING - toll-free, 24/7, 365 day access to behavioral health experts - master-level clinicians who will provide personal consultation services for marital, parent-child, substance abuse, emotional, legal/financial, childcare, and eldercare problems, as well as many other personal challenges or stresses.

Eligibility

Personal services usable by Named Subscriber or eligible dependents only (spouse, children, stepchildren or legally adopted children, up to age 19 - 23 if full-time student; person who is wholly dependent on Named Subscriber for maintenance and support and is claimed as a dependent on Named Subscriber's tax return.)

Named Subscriber or eligible dependents only (spouse, domestic partner, dependent children under the age of 25, any dependents that may be living with the Named Subscriber, such as a parent or grandparent.)

Named Subscriber or eligible dependents only (spouse, domestic partner, dependent children under the age of 25, any dependents that may be living with the Named Subscriber, such as a parent or grandparent.)

Plan Availability

Plans not available in all states. Coverage may vary and certain limitations and exclusions apply.

Plans are available nationwide.

Plans are available nationwide.

Plans are available nationwide.

Plans are available nationwide.

Trial

30 days.

30 days.

30 days.

30 days.

30 days.