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When can I
enroll? |
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You can enroll:
- Within 30 days of the date you have
met your 90-day waiting period.
- During the annual open enrollment periods
for ADP TotalSource employee benefit plan.
Within 31 days of the following life events:
- Marriage or Partnership
- Divorce
- Legal Separation
- Birth of a child
- Adoption
- Death
- Change in employment status
- Loss of dependent status
When you enroll, you are enrolling for the
full plan year and must remain in the plan
until the next annual enrollment period. If
you wish to disenroll from the program after
the plan year, you will need to call the Marsh
@WorkSolutions call center.
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| How
much does this coverage cost and how do I
pay for it? |
Your monthly cost is:
You pay for this coverage through payroll
deduction.
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| Why
should I consider this plan? |
There are many reasons:
- What would you do if you found an unauthorized
charge on your credit card?
- Are you aware of the legal needs created
by getting married, buying a home, or
selling your car?
- Do you want the courts to decide who
will get your assets and be the guardian
of your children?
A recent survey revealed that more than half
of all middle-income American families would
encounter at least one legal need this year.
This can be expensive. Just take a look at
how much it costs for legal services in the
U.S.*:
| Basic Legal Need |
Average Cost |
| Standard Will Preparation |
$440 |
| Driving Privilege Protection |
$1,320 |
| Juvenile Misdemeanor |
$1,540 |
| Real Estate Issue |
$1,540 |
| Consumer Protection |
$2,640 |
*Law Firm Economics Study, Altman Weil, 2003
The legal services plan helps pay for these
costs. It is offered as part of your employer's
benefits, and you can't get this innovative,
unique coverage anywhere else.
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| What
information will my employer get if I enroll
in this plan? |
All services through the legal plan are
totally confidential. The only thing your
employer will know is that you are enrolled
in the plan.
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| What's
covered? |
This legal plan gives you and your family
access to legal advice and professional legal
representation at an affordable price, through
a voluntary, after-tax payroll deduction.
You can obtain services from attorneys in
much the same way as you do from the doctors
who participate in your medical plan. Your
plan covers the following.
In-Office
Legal Services
The in-office attorney network is one of the
largest in the industry. Network attorney
fees are paid-in-full for most covered legal
matters.
Some of the services covered under this plan
include:
- Court adoption proceedings
- Dissolution of marriage
- Child support orders
- Uncontested child custody
- Will(s) and codicils
- Estate administration and estate closing
- Real estate matters
- Driving privilege protection—without
DUI
- Lawyer office work
- Document preparation
- Guardianship/conservatorship
- Name change proceedings
- Juvenile court proceedings
- Consumer protection
- Prenuptial agreements
- Property protection
- IRS audit protection
- Defense of civil damage claims
- Administrative hearings
- Defense of insanity or infirmity proceedings
- Personal bankruptcy
- Protection from domestic violence
- Living trust
- Reduced contingency fees
If there isn't a network attorney within 30
minutes of you, you'll still receive the full
plan benefits on most covered issues - guaranteed.
Just call PersonalPlans at 1-800-557-1038.
A representative will assist you in finding
an attorney and explain how to receive paid-in-full
benefits.
Non-Network Attorneys
If there are no network attorneys located
within 30 minutes of the plan member's home,
ARAG Group will work with the plan member
to locate an attorney from whom they may receive
full in-network benefits.
Telephone
Legal Services
Telephone network attorneys can provide you
with quick advice on common legal matters
as well as provide follow-up calls and letters
on your behalf. This plan covers:
- Unlimited, toll-free telephone legal
advice about personal legal matters
- Follow-up calls and correspondence
- Simple document preparation including
Powers of Attorney, challenges to denials
of credit, promissory notes, affidavits,
and bills of sale
- Specific document review (up to 4 pages
in length)
- Complex will preparation
Identity Theft Services
As a value-added service, this plan offers
you important information on identity theft.
As a plan member, you have unlimited, toll-free
access to Identity Theft Specialists who can
answer your questions on how to prevent identity
theft and how to recover if you are a victim.
Online Legal Resources
You will have access to:
- Law Guide—Helps you learn about
your legal situation and become a better-informed
legal consumer.
- Document Library—Allows you to
create your own legal documents.
- Attorney Finder—Assists you in
finding counsel when you need to see an
attorney for non-covered matters.
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| What
attorney can I use? |
This plan relies on a network of attorneys.
The In-Office Attorney Network is one of the
largest in the industry. Network attorney
fees are paid-in-full for most covered legal
matters.
If there isn't a network attorney within 30
minutes of you, you'll still receive the full
plan benefits on most covered issues - guaranteed.
Just call PersonalPlans at 1-800-557-1038.
A representative will assist you in finding
an attorney and explain how to receive paid-in-full
benefits.
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| What's
not covered? |
The plan does not provide coverage for:
- Legal services for matters against
us, the policyholder, and/or your employer.
- Legal services arising out of your
profession, business interests, investment
interests, workers' or unemployment compensation,
occupation or relocation required by an
employer, patents or copyrights.
- Legal services for the benefit of a
person other than the named insured against
the interests of another insured under
the same certificate.
- Costs related to title insurance, title
search, title abstracting and any costs
other than attorney fees.
- Legal representations in class actions,
interventions, or court appeal proceedings.
- Legal representation deemed by the
providing attorney to be lacking merit
or representation that is, in the judgment
of the providing attorney, in violation
of attorney ethics rules.
- Legal disputes involving insurance
contracts or related to structural damage(s),
noise, visual or other intangible hindrances
arising out of or affecting real estate
property.
- Legal disputes arising out of inheritance
law.
- Court representation in any court action
which is or can be brought in Small Claims
Court or in a similar court of limited
jurisdiction.
- Legal services which are eligible to
be paid by another party, allowed to be
paid by law, involve punitive damages
claims or other matters normally handled
by contingency fee.
- Matters which are not expressly listed.
Pre-Existing Conditions
Any legal matter which occurs or is initiated
prior to the member's effective date will
be considered excluded and no benefits will
apply. "Initiated" is defined as the date
the infraction occurs or the date a document
is filed with the court or the date an attorney
is hired.
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| Who
is the carrier for this plan? |
Founded in 1973, ARAG Group® administers
more professional legal advisory plans than
any other company, and maintains its domestic
headquarters in Des Moines, Iowa. The company
currently has more than 250 corporate plan
sponsors in the United States, including industry
leaders such as First Union Corporation, Ford
Motor Company, Microsoft Corporation, Nokia,
Oracle Corporation, The Procter & Gamble Company
and MCI.
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