Family Protection Plan Planmember Guidebook

Index | Section 1 | Section 2 | Section 3 | Section 4

WELCOME! Thank you for joining the Legal Care Direct™ Family Protection Plan! For your convenience, we have compiled this guidebook to describe your plan member privileges. Please read this booklet carefully, as it contains all the benefits of membership provided by our plan specialists.

Section 1
Eligibility and Plan Usage

Eligibility
Members and their family may take advantage of this program's benefits and services. See the definitions in Section three (3) for a complete description of "Eligible Family Members".

Plan Usage
Members should use the contact information below to access the services included in the Family Protection Plan. When using any of the member service numbers, members must identify themselves as belonging to Legal Club of America®.

Free & Discounted Legal Care

How to Reach a Plan Attorney: Members obtain all legal referrals by contacting our Legal Care Direct™ Member Services Department (MSD), using the toll-free number provided below. There is no limit to the number of referrals you may receive. When contacting the MSD a Member Service Representative (MSR) will ask you to identify yourself and the method by which you became affiliated with Legal Care Direct™. Upon verification of membership they will then ask you to briefly describe your legal issue at which time they will refer you to a plan attorney that practices the appropriate area of law, speaks your language and is conveniently located. If the appropriate plan attorney can not be immediately identified, the MSR will refer your issue over to the Legal Care Direct™ Provider Services Department (PSD). The PSD will call you within two business days to make sure the best available referral is given to you.

Contacting Plan Attorneys: When contacting a Legal Care Direct™ plan attorney you must notify the attorney's office that you are a Legal Club of America® member. If for any reason the plan attorney is unable to assist you please call our toll-free Legal Care Direct™ Member Service number for another referral.

Plan attorneys may be out of the office attending to other clients. As such please allow up to 3 business days for the plan attorney to respond to your call.

Member Service Representatives are available to assist you with all of your attorney referrals.

• Member Services number: (800) 305-6816
• Web Tools: www.legalcaredirect.com
• Hours of Operation: 8:00 am – 8:00 pm EST, Monday – Friday

Tax Preparation & Advice

Your call to the Tax Hotline will be answered by a tax and/or financial expert who will immediately assist you with your tax and/or financial planning questions.

• Member Services: (866) 544-4399
• Web Tools: www.taxhotline.net
• Hours of Operation: 9:00 am – 6:00 pm EST, Monday – Friday

Financial Education & Credit Counseling

Certified counselors are available to assist you with all your financial education and credit counseling needs.

• Member Services: (866) 944-2227
• Web Tools: www.moneymanagement.org/
• Hours of Operation: 24/7, 365 days per year

Identity Theft Solutions

Identity Theft Insurance Claims
When filing an identity theft claim please contact a claims administrator at the toll free number provided below. Please identify yourself as a Legal Club of America® policyholder.

• Member Services number: (866) 434-3572
• Hours of Operation: 24/7, 365 days per year

Identity Theft Restoration
Identity theft advocates will assist you with the restoration of your identity to its pre-theft state. If you believe you are a victim of identity theft contact an identity theft advocate using the toll-free number provided below.

• Member Services number: (800) 441-6531
• Web Tools: www.ftc.gov/bcp/edu/microsites/idtheft/
• Hours of Operation: 9:00 am – 9:00 pm EST, Monday – Friday

Lost or Stolen Credit Card Assistance
Paralegals will assist you with the cancellation and re-issuance of any lost or stolen identification or credit cards. You will be required to remain on the line with the paralegal during the process of contacting your credit card issuers.

• Member Services: (800) 441-6531
• Hours or Operation: 9:00 am – 9:00 pm EST, Monday – Friday

Identity Monitoring
Identity Monitoring 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 any individual's identity. Please note the identity monitoring coverage is limited only to the member.

• Member Services number: (800) 441-6531
• Hours of Operation: 9:00 am - 9:00 pm EST, Monday - Friday

Keylogging Defense System™
Our Keylogging Defense System™ helps prevent online identity theft by encrypting every keystroke at the keyboard level and then reroutes those encrypted keystrokes directly to your Internet browser. Visit www.KeyloggingDefense.com/key to download and install the Keylogging Defense System™ software.

• Technical Support: (866) 787-4542 or tech-sup@guardedid.com
• Hours or Operation: 9:00 am – 5:00 pm EST, Monday – Friday

LifeEvents™ Counseling

Licensed clinicians provide you and each covered family member with unlimited telephonic counseling for each new issue.

• Counseling Services: (800) 843-1327
• Hours of Operation: 24/7, 365 days per year

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