Legal Insurance from ARAG - Talgov.com · 2019-11-08 · IRS tax audit IRS tax collection cor the...

What does it cost?UltimateAdvisor®

Legal Insurance from ARAG

What does legal insurance cover?

Legal coverage isn’t just for the serious issues, it’s for your everyday needs, too. Legal insurance helps you address common situations like creating wills, transferring property or buying a home.

What is legal insurance?

Let’s talk!

Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product.Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call our toll-free number.

For more information, call or visit

access code .

With an UltimateAdvisor® legal insurance plan from ARAG®, count on a wide range of coverage and services, like the examples shown below — and many more — when you work with a Network Attorney to address the legal situations you may encounter in life.

Consumer Protection✔ Auto repair✔ Buy or sell a car✔ Consumer fraud ✔ Consumer protection for

goods or services✔ Home improvement✔ Personal property disputes✔ Small claims court

Criminal Matters✔ Juvenile✔ Parental responsibility

Debt-Related Matters✔ Debt collection✔ Garnishments✔ Personal bankruptcy✔ Student loan debt

Driving Matters✔ License suspension/revocation✔ Traffic tickets

Tax Issues✔ IRS tax audit✔ IRS tax collection

For the complete list of what your plan covers, visit: Access Code:

ARAGlegal.com/myinfo,

Family✔ Adoption✔ Guardianship/conservatorship✔ Name change✔ Pet-related matters✔ Divorce

Landlord/Tenant Issues✔ Contracts/lease agreements✔ Eviction✔ Security deposit✔ Disputes with a landlord

Real Estate & Home Ownership✔ Buying a home✔ Deeds✔ Foreclosure✔ Contractor issues✔ Neighbor disputes✔ Promissory notes✔ Real estate disputes✔ Selling a home

Wills & Estate Planning✔ Powers of attorney✔ Wills✔ Trusts

10180cot

800-247-4184

10180cotARAGlegal.com/myinfo

Designed for City of Tallahassee

Individual: $19.18 monthly

Family: $25.30 monthly

Rev 7/18 200332

How does legal insurance work?

Why should you get legal insurance?

Customer Care will walk you through your options and help you find the appropriate Network Attorney.

Meet with your Network Attorney over the phone or in person to begin resolving your legal issue.

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Sign up for legal insurance

Legal insurance is a part of your company’s benefits that become available during open enrollment. Go to your benefits website for enrollment details. And, don’t forget to get signed up for legal insurance!

Use DIY Docs® to help you create any of 350+ legally valid documents, including state-specific templates.

Receive 100% paid-in-full coverage for most covered legal matters when you work with a Network Attorney.

Quickly address your covered legal situations with a Network Attorney who is only a phone call away for legal help and representation.

Access to more than 13,000 attorneys within ARAG’s network with an average of 20 years of experience.

Not sure when you might need an attorney?

Legal is everywhere.Find out which legal risks are most prevalent in your life and which insurance plan is right

for you by texting “legal” to 1-???-????.

ARAGlegal.com

Tra�c violations

Startinga family

Divorce

Dispute witha landlord

Buyinga house

Debt issues

Homerenovations

Settling a lovedone’s estate

Identity the�

Gettingmarried

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* *

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Check out these common legal needs you could encounter in your everyday life.

© 2018 ARAG North America, Inc.

Reviews from plan members“ARAG gives me the right protection and makes me feel at ease when a legal situation that I have to solve arrives. I made the right decision joining ARAG a few years ago and will keep this plan protection for many years to come.”

– Clara Miami, FL

Call when you have a legal matter.

* Average attorney rate in the United States of $343 per hour for attorneys with 11 to 15 years of experience. “The Survey of Law Firm Economics: 2017 Edition.” The National Law Journal and ALM Legal Intelligence, October 2017. Average amount saved based upon top ARAG in-office claims and the hours spent by attorneys per 2017 ARAG Claims Data. The hours spent are multiplied by the average attorney rate (less the average annual cost of an ARAG legal plan).

Save an average of $2,100 per legal matter.*

Identity TheftProtection

Protecting your personalinformation from identitythieves is more importantthan ever. Identity TheftProtection will help youguard against lossesrelated to identity theft,with services designed totrack changes to yourcredit file, monitorwhether your identity isbeing bought or soldonline and providefull-service restorationassistance if your identityis stolen.**

800-247-4184

** Eligibility, coverage, limitations and exclusions are governed by a separate coverage document. Please see the identity theft plan summary for details.

UltimateAdvisor®

Policyholder:CITY OF TALLAHASSEECITY HALL300 S. ADAMS STREETTALLAHASSEE, FL 32301-1731

POLICY 1018001/01/2019 - 12/31/2019

ARAG®, 500 Grand Avenue, Suite 100, Des Moines, Iowa 50309800-247-4184 | ARAGlegal.com

Group Legal InsurancePolicy and Service Plan

Important:For purposes of the City of Tallahassee policy, the Policyholder has defined eligible dependents to mean:The plan member's spouse or both same and opposite sex domestic partner is covered. In addition, theplan member's children until the end of the plan year when they reach age 26 if married or unmarried arecovered.

FL-PULPLAN_2016DEC 03/18 1

Policy Number: 10180

ARAG INSURANCE COMPANY500 Grand Avenue, Suite 100

Des Moines, Iowa 50309GROUP LEGAL EXPENSE INSURANCE POLICY

DECLARATIONS

1. Name of Policyholder, AddressCITY OF TALLAHASSEECITY HALL300 S. ADAMS STREETTALLAHASSEE, FL 32301-1731

2. Policy PeriodThe term of this Policy shall be from January 1, 2019 to December 31, 2019 Standard Time at theaddress of Policyholder

3. Premium$11.96 monthly per Named Insured$15.88 monthly per Named Insured plus eligible dependents

4. Eligible personsAll full-time / part-time employees are eligible to enroll.

5. Policy IndexBENEFITS............................................................................................................................As EndorsedDEFINITIONS......................................................................................................................................... 4AGREEMENT......................................................................................................................................... 5EXCLUSIONS.........................................................................................................................................6CONDITIONS......................................................................................................................................... 6

6. BenefitsPULADOPT1_16 05/16 Uncontested AdoptionPULADOPT2_16 05/16 Contested AdoptionPULBLDGCDE_16 05/16 Building CodesPULCGVNGCKUP_16 05/16 Caregiving Services - Annual Check UpPULCGVNG_16 05/16 Caregiving Services - AdvicePULCHLDSUP2_16 05/16 Uncontested Child Support EnforcementPULCHLDSUP3_16 05/16 Contested Child Support Enforcement - 8 hoursPULCIVIL2_16 05/16 Defense of Civil Damage ClaimsPULCONSM_16 05/16 Consumer ProtectionPULCRDTRCRD_16 05/16 Credit Records CorrectionPULCRIMP_16 05/16 Criminal Misdemeanor DefensePULDEBT_16 05/16 Defense of Debt CollectionPULDISS1_16 05/16 Uncontested DivorcePULDISS4_16 05/16 Contested Divorce - 20 hoursPULDRIVP1_16 05/16 Driving Privilege Protection (excluding DWI-related)PULDRVPRST1_16 05/16 Driving Privilege Restoration (excluding DWI-related)PULEASEMENT_16 05/16 EasementPULESTATE2_16 05/16 Estate Administration & Estate Closing (Probate) - 9

hours

Continued


PULFORECL_16 05/16 ForeclosurePULGARN_16 05/16 Defense of GarnishmentPULGUARD1_16 05/16 Uncontested Guardianship/ConservatorshipPULGUARD2_16 05/16 Contested Guardianship/ConservatorshipPULHABEAS_16 05/16 Habeas Corpus ProceedingsPULINCMP_16 05/16 Mental Incompetency or Infirmity ProceedingsPULIRS1_16 05/16 IRS Collection DefensePULIRS2_16 05/16 IRS Audit ProtectionPULJUVNL_16 05/16 Juvenile CourtPULMNTFC2_16 05/16 Minor Traffic - Broad (excluding DWI-related)PULNAME_16 05/16 Name ChangePULNBRDISP1_16 05/16 Neighbor DisputesPULNBRDISP2_16 05/16 Neighbor Disputes - Secondary ResidencePULOFFICE2_16 05/16 General In Office Services - 4 hoursPULPARENTAL_16 05/16 Parental ResponsibilitiesPULPERSPROP_16 05/16 Personal Property ProtectionPULPOSTDEF2_16 05/16 Uncontested Post Decree DefensePULPOSTDEF3_16 05/16 Contested Post Decree Defense - 8 hoursPULPOSTENF2_16 05/16 Uncontested Post Decree EnforcementPULPOSTENF3_16 05/16 Contested Post Decree Enforcement - 8 hoursPULPOSTMOD2_16 05/16 Uncontested Post Decree ModificationPULPOSTMOD3_16 05/16 Contested Post Decree Modification - 8 hoursPULPRENUPT_16 05/16 Prenuptial AgreementsPULPROPREF1_16 05/16 Refinancing - Primary ResidencePULPROPT2_16 05/16 Purchase/Sale of Secondary ResidencePULPROPTAX1_16 05/16 Property Tax - Primary ResidencePULPURCH_16 05/16 Purchase of Real EstatePULREDISP1_16 05/16 Real Estate DisputesPULREDISP2_16 05/16 Real Estate Disputes - Secondary ResidencePULSALE_16 05/16 Sale of Real EstatePULSCHLADMN_16 05/16 School Administrative HearingsPULSMCLM_16 05/16 Small Claims CourtPULSSVTMD_16 05/16 Social Security/Veterans/MedicarePULTENANT_16 05/16 Tenant MattersPULTRUSTS1_16 05/16 Irrevocable TrustsPULTRUSTS2_16 05/16 Revocable Living TrustsPULWILL_16 05/16 Wills & Durable Power of AttorneyPULZONVAR_16 05/16 Zoning and VariancesPULCHLDCUSSUPAGR2_16 05/16 Uncontested Child Custody/Child Support AgreementPULCHLDCUSSUPAGR3_16 05/16 Contested Child Custody/Child Support Agreement - 8

hoursPULELDERLAW_16 05/16 Elder LawPULHOMEEQUITY1_16 05/16 Home Equity Loan - Primary ResidencePULHOMEEQUITY2_16 05/16 Home Equity Loan - Secondary ResidencePULINSDISPUTE_16 05/16 Insurance DisputesPULPROPREF2_16 05/16 Refinancing - Secondary ResidencePULPROPTAX2_16 05/16 Property Tax - Secondary ResidencePULSTATELOCALTAX1_16 05/16 State and Local Tax Collection DefensePULSTATELOCALTAX2_16 05/16 State and Local Tax AuditPULBANK2_16 03/18 BankruptcyPULBLDGCDE2_16 03/18 Building Codes - Secondary ResidencePULDOCPREP2_16 03/18 Document PreparationPULDOCREV_16 03/18 Document ReviewPULDOMESTIC2_16 03/18 Protection from Domestic Violence - Named InsuredPULDOMESTIC3_16 03/18 Protection from Domestic Violence - InsuredPULEASEMENT2_16 03/18 Easement - Secondary ResidencePULFORECL2_16 03/18 Foreclosure - Secondary ResidencePULMECHANICSLIEN_16 03/18 Mechanic's LienPULRESTRNORDER1_16 03/18 Restraining Order - Named Insured

Continued


PULRESTRNORDER2_16 03/18 Restraining Order - InsuredPULSTUDENTLOANDEBT_16 03/18 Student Loan Debt CollectionPULZONVAR2_16 03/18 Zoning and Variances - Secondary ResidencePULTLAS_16 05/16 Telephone Legal Access Services

__________________________________Countersignature (if required)

FL-PULPLAN_2016 03/18 4

DEFINITIONS

“BENEFITS” – the legal coverages listed on the declarations page of the policy or in the benefits section ofthe Certificate of Insurance.

“CERTIFICATE OF INSURANCE” or “CERTIFICATE” – the document provided by us to the named insuredthat describes the benefits and terms of the insurance policy.

“CERTIFICATE YEAR” – twelve (12) month period as listed on the declarations page of the policy issued tothe policyholder.

“CONTESTED” – an action in which one or more disputed material issues must be litigated, determined andresolved through court, mediation, arbitration, or administrative proceedings; or substantial negotiation ofopposing position is required to resolve the action.

“EFFECTIVE DATE” – the date on which the policyholder enrolls the named insured and from which datepremium has been paid for you.

“GENERAL IN OFFICE LEGAL SERVICES” – time spent by an attorney and their office staff for your legalissue that is not otherwise covered or excluded under this plan and which does not include costs such as,but not limited to: filing fees, copy costs, mileage, title insurance, expert witnesses, mediator, home studies,transcriptionists, title search, and title abstracting.

“GOODS” – a physical product that is capable of being delivered. Ownership of a good can be transferredfrom the seller to the buyer.

“INDEMNITY BENEFITS” – means covered legal services which are reimbursed to the insured up to thebenefit amount indicated under the specific coverage. The insured is responsible for all legal serviceswhich may exceed the amount paid by us.

“INSURED” – as dictated by premium paid and as indicated by coverages listed in the "Benefits" section,the named insured only or the named insured and the named insured's spouse, or domestic partner (whois registered with us) and/or eligible dependents. Eligible dependents and/or domestic partner are defined bymutual agreement between the policyholder and us.

“INSURED EVENT” – an event covered by this policy whose initiation date will be considered the earlierof the date (a) written notice of a legal dispute is sent or filed by you or received by you; or (b) a ticket orcitation is issued; or (c) an attorney is hired.

“INSURED RENTAL PROPERTY” – a single dwelling (house, apartment, duplex or condominium) that youhave an ownership interest in and that is not your primary residence and that for a portion of the year isrented out to another individual.

“LEGAL DISPUTE” –means a disagreement between you and any other party regarding your legal rights.

“LEGAL SERVICES” – time spent by an attorney and their office staff for your covered legal matters whichdoes not include costs such as, but not limited to: filing fees, copy costs, mileage, title insurance, expertwitnesses, mediator, home studies, transcriptionists, title search, and title abstracting.

“NAMED INSURED” – a person enrolled via the policyholder with us as entitled to coverage under theterms of this policy.

“NETWORK ATTORNEY” – means an attorney with whom we have contracted to perform covered legalservices in the United States for you and who has contracted with us to provide the specific covered legalservices for which you are seeking assistance.

FL-PULPLAN_2016 03/18 5

“NON-NETWORK ATTORNEY” – means an attorney, who is not a Network Attorney, chosen by you toperform legal services covered under the indemnity benefits of this policy.

“NON-MOVING OFFENSE” – parking ticket, registration, equipment or other violations that aren't handled inconjunction with a moving violation.

“PERSONAL PROPERTY” – means property, which is not real property and which does not produceincome.

“POLICYHOLDER” – means the organization named in the declarations page.

“PRIMARY RESIDENCE” – the single dwelling where you actually live that is considered your legalresidence for income tax purposes.

“REAL PROPERTY” – land and all permanent structures attached to it.

“REFINANCING” – paying off one loan with the proceeds from a new loan using the same real property assecurity.

“SECONDARY RESIDENCE” – a single dwelling (house, apartment, duplex, or condominium) that youhave an ownership interest in and that is not your primary residence.

“SERVICE” – a duty or labor provided from one person to another. It is the non-material equivalent of agood. There is no physical product that can transfer ownership.

“TRIAL” – means the proceeding in court or in a covered administrative proceeding when the parties trytheir case beginning with the impaneling of a jury in a jury trial or with opening statement if the parties are ina non-jury trial. Trial does not include things such as hearings, appearances on motions, negotiated pleas,pre-trial conferences, or appearances, and continuances by the court.

“UNCONTESTED” – an action in which all matters are settled without court intervention, mediation,arbitration, or substantial negotiation of opposing position.

“WE”, “US”, and “OUR” – ARAG Insurance Company.

“YOU” and “YOUR” – an insured.

ARAG INSURANCE COMPANY

AGREEMENT

We will provide the insurance described in this policy and benefit endorsements in return for the premiumand compliance with all applicable provisions of this policy. Matters which are not expressly listed in thispolicy are not covered. If the named insured purchased only individual coverage, legal services renderedto persons other than the named insured are not covered.

You can choose a Network Attorney or Non-Network Attorney for legal services provided to youresulting from an insured event which occurs after your effective date and while your Certificate ofInsurance is in effect. We will pay benefits for legal services up to the maximum amount listed in thebenefits section of this policy.

FL-PULPLAN_2016 03/18 6

If you have any questions regarding your policy please call 1-800-247-4184.

EXCLUSIONS

We do not provide coverage for:

1. Matters against us, the policyholder or an insured against the interests of the named insured underthe same Certificate.

2. Legal services arising out of a business interest, investment interests, employment matters, employeebenefits, your role as an officer or director of an organization, and patents or copyrights.

3. Legal services in class actions, punitive damages, malpractice, court appeals or post judgments(settlement agreement signed by all parties, final binding arbitration, judgment issued by a court).

4. Legal services deemed by us to be frivolous or lacking merit, or in actions where you are the plaintiffand the amount we pay for your legal services exceeds the amount in dispute, or in our reasonablebelief you are not actively and reasonably pursuing resolution in your case.

CONDITIONS

Policy Period and Territory

This policy applies to insured events which occur worldwide while your Certificate of Insurance is ineffect. If an insured event occurs outside the United States indemnity benefits apply.

Any insured event which occurs prior to the effective date of an insured will be considered excluded andno benefits will apply.

Eligibility

Each eligible person as described in the Declarations, who is registered with us, and for whom a premium ispaid, shall become an insured on the effective date.

Cancellation and Termination

The named insured may cancel this policy at any time, but the effective date of cancellation cannot beearlier than the date of the request. We shall refund the pro rata share of any excess premium paid.

Neither we nor the policyholder will cancel this policy during the term defined in the Declarations exceptfor fraud or for the failure to pay premium due. We will give you ten (10) days notice of cancellation fornonpayment of premium and forty-five (45) days notice of cancellation for any other reason.

If the named insured ends employment or membership in the group to which this policy is issued (exceptupon the named insured’s death), or the policy is canceled by the policyholder, your coverage will ceaseat the end of the term for which premium has been paid.

FL-PULPLAN_2016 03/18 7

Conversion

You may continue insurance when you no longer qualify as an employee of the policyholder or as amember of the group to which this policy is issued. You must notify us within ninety (90) days of thisdisqualifying event to make arrangements for premium payment. Payment of premium is required from thelast date of your eligibility under this policy.

Adjustment of Premium

Adjustment of premium based upon termination or addition of insured's shall be calculated by us. Paymentsor refunds shall be due on the first day of the following calendar month.

Notice to any agent or knowledge possessed by any agent or by any other person shall not affect a waiver orchange any part of this policy or stop us from asserting any right under the terms of this policy; nor shall theterms of this policy be waived or changed except as stated above.

Any terms of this policy which are in conflict with the state where issued are amended to conform to thestatutes.

Coordination of Benefits

This policy coordinates benefits as defined in the National Association of Insurance Commissioners ModelCoordination of Benefits Provisions.

If you are entitled to receive legal services or reimbursement for legal services from any other person ororganization, our coverage will be excess.

Payment by us for legal services under this policy does not preclude your attorney from seeking andrecovering attorney fees from an opposing party, where authorized by law, court rule or contract, at theattorney’s usual and customary or prevailing rate. If you receive reimbursement of attorney’s fees, then youwill reimburse us for payments made under this policy.

Payment Limitations

You may not make claims under separate benefits for one legal matter.

Notice of Claim, Proof of Expense Incurred and Payment of Claim

You or your representative must submit a written notice of claim to us within one year after the insuredevent. A claim form and itemized billing are required within one hundred eighty (180) days after legalservices for which you seek payment are completed.

You are responsible for verifying your legal matter is covered under your legal plan with us prior to receivinglegal services. You will be responsible for payment to the attorney at their usual and customary rate if yourmatter is not covered.

FL-PULPLAN_2016 03/18 8

You must give us all information we request with respect to the circumstances of an insured event orservice provided. We have the right to withhold benefits if the requested information is not provided to us.

Fraud

We do not provide benefits for you if you have intentionally concealed or misrepresented any material factor circumstance or have made false statements or engaged in fraudulent conduct relating to your insurance.

Subrogation

We may require you to assign all rights of recovery of legal fees to the extent that payment is made by us. Ifan assignment is sought, you must cooperate with us.

Relation of the Parties

You have the unrestricted right to choose an attorney. The attorney is not our agent or employed by us orthe policyholder. We and the policyholder shall at no time control or interfere with the performance of theattorney and we do not guarantee the skill of the attorney. Any payment to a network attorney for legalservices is our responsibility up to your policy limits.

Grievances

If you have a problem with a Network Attorney in the handling of a legal matter covered under thisinsurance policy, contact us for assistance in resolving your issue.

You have the right to file a complaint with the State Bar about your attorney at any time.

Non-Assessable Policy

This policy is non-assessable. You are not subject to contingent liability, nor liable to assessment.

This policy is signed at Des Moines, Iowa on behalf of ARAG Insurance Company by our President andSecretary. It is countersigned by our authorized agent (if required).

Ann CosimanoSecretary

David R. MurrayPresident

PULADOPT1_16 05/16

Uncontested Adoption

See Policy "Agreement" Section

Network Attorney Non-Network AttorneyCOVERAGE Benefits INDEMNITY Benefits

Uncontested Adoption

Legal services1 in an uncontestedadoption for an insured to become anadoptive parent(s).

PAID IN FULL $ 400*

1In international adoptions, where a foreignattorney is necessary, you are eligibleto receive indemnity reimbursement inaddition to the benefits available in theUnited States.

* Non-Network Attorney Indemnity Benefits are up to the stated amount

This agreement forms a part of Policy Number 10180 issued to City of Tallahassee and is effectiveJanuary 01, 2019.

By ARAG Insurance Company of Des Moines, Iowa

By

Authorized Representative

PULADOPT2_16 05/16

Contested Adoption



Contested Adoption

Legal services1 in a contested adoptionfor an insured to become an adoptiveparent(s).

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) untilcompletion

PAID IN FULL $ 100,000***

1In international adoptions, where a foreignattorney is necessary, you are eligibleto receive indemnity reimbursement inaddition to the benefits available in theUnited States


** Trial Indemnity Benefits are ($300 per 1/2 day of Trial time) up to the stated amount

*** Trial Indemnity Benefits are ($400 per 1/2 day of Trial time) up to the stated amount



By


PULBLDGCDE_16 05/16

Building Codes



Building Codes

Legal services for an insured in anadministrative action for permit or codeviolations relating to the renovation and/or improvement of your existing primaryresidence.

PAID IN FULL $ 400*









By


PULCGVNGCKUP_16 05/16

Caregiving Services - Annual Check Up



Caregiving Services - Annual Check Up

Legal services for you and your parent/grandparent to meet with an attorney onan annual basis. This annual meetingis to discuss the legal needs of yourparent/grandparent and discuss anychanges in their situation and potentiallegal implications.

PAID IN FULL $ 80*

This benefit is limited to one usage perfamily per certificate year.




By


PULCGVNG_16 05/16

Caregiving Services - Advice



Caregiving Services - Advice

Telephone access for you to obtain legaladvice and consultation on how the lawrelates to your parents/grandparents legalmatters and which actions may be taken.

PAID IN FULL N/A



By


PULCHLDSUP2_16 05/16

Uncontested Child Support Enforcement



Uncontested Child SupportEnforcement

Legal services for an insured for anuncontested motion by you to enforce afinal decree for child support.

PAID IN FULL $ 320*




By


PULCHLDSUP3_16 05/16

Contested Child Support Enforcement - 8 hours



Contested Child Support Enforcement -8 hours

Legal services for an insured for acontested motion by you to enforce a finaldecree for child support.

PAID IN FULL(up to 8 hours perinsured event)

$ 640*




By


PULCIVIL2_16 05/16

Defense of Civil Damage Claims



Defense of Civil Damage Claims

Legal services for an insured in defenseagainst civil damage(s) claims, exceptclaims involving the ownership or useof a motorized vehicle, claims which arecovered by other insurance, or claimsrelated to a felony charge.

PAID IN FULL $ 800*









By


PULCONSM_16 05/16

Consumer Protection



Consumer Protection

Legal services for an insured as a plaintiffor defendant regarding written, verbal orimplied contracts or warranties relatingto consumer goods or services and/orresidential contractor disputes.

PAID IN FULL $ 800*









By


PULCRDTRCRD_16 05/16

Credit Records Correction



Credit Records Correction

Legal services for an insuredrelated to correcting inaccuracies ormisrepresentations on your credit record.

PAID IN FULL $ 160*




By


PULCRIMP_16 05/16

Criminal Misdemeanor Defense



Criminal Misdemeanor Defense

Legal services for an insured in thedefense against criminal misdemeanorcharges, except those involving motorizedvehicles and domestic violence charges.If the charge is escalated to a felony,coverage will cease as of the date of theescalation. If a felony charge is reduced orpled down to a misdemeanor no coverageapplies.

PAID IN FULL $ 720*









By


PULDEBT_16 05/16

Defense of Debt Collection



Defense of Debt Collection

Legal services for an insured as thedefendant in a legal dispute related toconsumer goods or services.

PAID IN FULL $ 480*









By


PULDISS1_16 05/16

Uncontested Divorce



Uncontested Divorce

Legal services for the named insuredin an uncontested divorce, a legalseparation and/or an annulment ofmarriage.

PAID IN FULL $ 640*




By


PULDISS4_16 05/16

Contested Divorce - 20 hours



Contested Divorce - 20 hours

Legal services for the named insured ina contested divorce, a legal separationand/or an annulment of marriage.

PAID IN FULL(up to 20 hours per

insured event)

$ 1,600*




By


PULDRIVP1_16 05/16

Driving Privilege Protection (excluding DWI-related)



Driving Privilege Protection (excludingDWI-related)

Legal services for an insured in thedefense of a traffic offense whereconviction of the offense will directly resultin the suspension or revocation of yourdriving privileges. (Does not include drivingwhile impaired or under the influence ofdrugs or alcohol or a related offense.)

PAID IN FULL $ 400*









By


PULDRVPRST1_16 05/16

Driving Privilege Restoration (excluding DWI-related)



Driving Privilege Restoration (excludingDWI-related)

Legal services for an insured inan administrative proceeding for therestoration of suspended or revokeddriving privileges of an insured. (Does notinclude driving while impaired or under theinfluence of drugs or alcohol or a relatedoffense.)

PAID IN FULL $ 240*




By


PULEASEMENT_16 05/16

Easement



Easement

Legal services for an insured in anadministrative action regarding aneasement on your primary residence.

PAID IN FULL $ 400*









By


PULESTATE2_16 05/16

Estate Administration & Estate Closing (Probate) - 9 hours



Estate Administration & Estate Closing(Probate) - 9 hours

Legal services for an insured inadministering an estate where you havebeen named the executor.


$ 720*




By


PULFORECL_16 05/16

Foreclosure



Foreclosure

Legal services for an insured regardingwritten notice of a foreclosure related toyour primary residence.

PAID IN FULL $ 480*









By


PULGARN_16 05/16

Defense of Garnishment



Defense of Garnishment

Legal services for an insured in a legaldispute for a garnishment against youto collect judgment related to goods orservices.

PAID IN FULL $ 480*




(Exclusion #3 as it relates to post judgmentgarnishment is waived for this benefit.)






By


PULGUARD1_16 05/16

Uncontested Guardianship/Conservatorship



Uncontested Guardianship/Conservatorship

Legal services in an uncontestedGuardianship/Conservatorship for aninsured to appoint or be appointed as aGuardian/Conservator.

PAID IN FULL $ 480*




By


PULGUARD2_16 05/16

Contested Guardianship/Conservatorship



Contested Guardianship/Conservatorship

Legal services in a contestedGuardianship/Conservatorship for aninsured to appoint or be appointed as aGuardian/Conservator.

PAID IN FULL $ 720*









By


PULHABEAS_16 05/16

Habeas Corpus Proceedings



Habeas Corpus Proceedings

Legal services for an insured in habeascorpus proceedings.

PAID IN FULL $ 480*









By


PULINCMP_16 05/16

Mental Incompetency or Infirmity Proceedings



Mental Incompetency or InfirmityProceedings

Legal services for an insured in defenseof mental incompetency or infirmityproceedings.

PAID IN FULL $ 960*









By


PULIRS1_16 05/16

IRS Collection Defense



IRS Collection Defense

Legal services for an insured in defenseagainst collection actions by the InternalRevenue Service (IRS) related to errorson your personal tax return where theinitial written notice is received after youreffective date.

PAID IN FULL $ 480*









By


PULIRS2_16 05/16

IRS Audit Protection



IRS Audit Protection

Legal services for an insured involvingInternal Revenue Service (IRS) auditsrelated to your personal tax return wherethe initial written notice is received afteryour effective date.

PAID IN FULL $ 480*









By


PULJUVNL_16 05/16

Juvenile Court



Juvenile Court

Legal services for an insured childcharged with a crime (except thoseinvolving traffic matters) when the courtproceedings are held in juvenile court. Ifthe matter is removed from juvenile court,coverage under this benefit will cease asof the date of the removal.

PAID IN FULL $ 480*









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PULMNTFC2_16 05/16

Minor Traffic - Broad (excluding DWI-related)



Minor Traffic - Broad (excluding DWI-related)

Legal services for an insured in thedefense of a traffic offense, the convictionof which would not result in suspension orrevocation of your driving privileges. (Doesnot include driving while impaired or underthe influence of drugs or alcohol or anynon-moving offense.)

PAID IN FULL $ 240*




By


PULNAME_16 05/16

Name Change



Name Change

Legal services for an insured to legallychange his/her name.

PAID IN FULL $ 240*




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PULNBRDISP1_16 05/16

Neighbor Disputes



Neighbor Disputes

Legal services for an insured witha neighbor as a plaintiff or defendantin a dispute related to your primaryresidence, including boundary or propertytitle disputes.

PAID IN FULL $ 720*









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PULNBRDISP2_16 05/16

Neighbor Disputes - Secondary Residence



Neighbor Disputes - SecondaryResidence

Legal services for an insured with aneighbor as a plaintiff or defendant ina dispute related to your secondaryresidence, including boundary or propertytitle disputes.

PAID IN FULL $ 720*









By


PULOFFICE2_16 05/16

General In Office Services - 4 hours



General In Office Services - 4 hours

General in office legal services.

(This benefit is limited to four hours perfamily per certificate year.)

4 hours $ 320*




By


PULPARENTAL_16 05/16

Parental Responsibilities



Parental Responsibilities

Legal services for an insured in juvenilecourt proceedings (except those involvingtraffic matters) where a state has broughtan action regarding your parentalresponsibilities for an insured child.

PAID IN FULL $ 480*









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PULPERSPROP_16 05/16

Personal Property Protection



Personal Property Protection

Legal services for an insured as aplaintiff or defendant regarding contractsor obligations for the transfer of yourpersonal property or your personalproperty rights.

PAID IN FULL $ 320*









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PULPOSTDEF2_16 05/16

Uncontested Post Decree Defense



Uncontested Post Decree Defense

Legal services for an insured for anuncontested motion brought against youto modify a final decree for child support,child custody, child visitation, or alimony.

PAID IN FULL $ 320*




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PULPOSTDEF3_16 05/16

Contested Post Decree Defense - 8 hours



Contested Post Decree Defense - 8hours

Legal services for an insured for acontested motion brought against you tomodify a final decree for child support, childcustody, child visitation, or alimony.


$ 640*




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PULPOSTENF2_16 05/16

Uncontested Post Decree Enforcement



Uncontested Post Decree Enforcement

Legal services for an insured for anuncontested motion brought by you oragainst you to enforce a final decree forchild custody, child visitation, or alimony.

PAID IN FULL $ 320*




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PULPOSTENF3_16 05/16

Contested Post Decree Enforcement - 8 hours



Contested Post Decree Enforcement - 8hours

Legal services for an insured for acontested motion brought by you oragainst you to enforce a final decree forchild custody, child visitation, or alimony.


$ 640*




By


PULPOSTMOD2_16 05/16

Uncontested Post Decree Modification



Uncontested Post Decree Modification

Legal services for an insured for anuncontested motion brought by you tomodify a final decree for child custody orchild visitation.

PAID IN FULL $ 320*




By


PULPOSTMOD3_16 05/16

Contested Post Decree Modification - 8 hours



Contested Post Decree Modification - 8hours

Legal services for an insured for acontested motion brought by you tomodify a final decree for child custody orchild visitation.


$ 640*




By


PULPRENUPT_16 05/16

Prenuptial Agreements



Prenuptial Agreements

Legal services for an insured for thepreparation of a premarital or antenuptialagreement.

PAID IN FULL $ 320*




By


PULPROPREF1_16 05/16

Refinancing - Primary Residence



Refinancing - Primary Residence

Advice and review of relevant documentsregarding refinancing of your primaryresidence.

PAID IN FULL $ 160*




By


PULPROPT2_16 05/16

Purchase/Sale of Secondary Residence



Purchase/Sale of Secondary Residence

Legal services for an insured for thepurchase or sale of your secondaryresidence for the review and preparationof documents including the contract forsale and attendance at closing.

PAID IN FULL $ 320*




By


PULPROPTAX1_16 05/16

Property Tax - Primary Residence



Property Tax - Primary Residence

Legal services for an insured in anadministrative action brought by you toreduce the property tax assessment onyour primary residence.

PAID IN FULL $ 400*









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PULPURCH_16 05/16

Purchase of Real Estate



Purchase of Real Estate

Legal services for an insured for thepurchase of your primary residence forthe review and preparation of documentsincluding contract for purchase andattendance at closing.

PAID IN FULL $ 320*




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PULREDISP1_16 05/16

Real Estate Disputes



Real Estate Disputes

Legal services for an insured asa plaintiff or defendant in a disputeregarding contracts or obligations for theconstruction, purchase or sale of yourprimary residence.

PAID IN FULL $ 1,200*









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PULREDISP2_16 05/16

Real Estate Disputes - Secondary Residence



Real Estate Disputes - SecondaryResidence

Legal services for an insured asa plaintiff or defendant in a disputeregarding contracts or obligations for theconstruction, purchase or sale of yoursecondary residence.

PAID IN FULL $ 1,200*









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PULSALE_16 05/16

Sale of Real Estate



Sale of Real Estate

Legal services for an insured for the saleof your primary residence for the reviewand preparation of documents including thecontract for sale and attendance at closing.

PAID IN FULL $ 320*




By


PULSCHLADMN_16 05/16

School Administrative Hearings



School Administrative Hearings

Legal services for an insured in anadministrative public or private formalschool proceeding related to primary andsecondary education regarding disabilities,special education and student policyviolations.

PAID IN FULL $ 480*









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PULSMCLM_16 05/16

Small Claims Court



Small Claims Court

Legal services for an insured to obtainadvice and counseling to bring a claimin Small Claims Court (or similar court oflimited civil jurisdiction).

PAID IN FULL $ 320*

Legal services for an insured to defendan action in Small Claims Court (or similarcourt of limited civil jurisdiction) includingrepresentation in court where allowed bylaw.

PAID IN FULL $ 400*




By


PULSSVTMD_16 05/16

Social Security/Veterans/Medicare



Social Security/Veterans/Medicare

Legal services for an insured in anadministrative legal dispute arising outof Social Security, Veterans, Medicare orMedicaid benefits.

PAID IN FULL $ 400*









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PULTENANT_16 05/16

Tenant Matters



Tenant Matters

Legal services for an insured as a plaintiffor defendant with your landlord as tenantof your primary residence, including butnot limited to, eviction and security depositdisputes.

PAID IN FULL $ 320*









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PULTRUSTS1_16 05/16

Irrevocable Trusts



Irrevocable Trusts

Legal services for an insured for thepreparation of a stand-alone irrevocabletrust.

PAID IN FULL $ 320* single document

$ 400* spousal documents




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PULTRUSTS2_16 05/16

Revocable Living Trusts



Revocable Living Trusts

Legal services for an insured for thepreparation of a stand-alone revocabletrust.

PAID IN FULL $ 320* single document

$ 400* spousal documents




By


PULWILL_16 05/16

Wills & Durable Power of Attorney



Wills & Durable Power of Attorney

Individual will or spousal will(s). (Does notinclude any tax planning services done inconnection with the will.)

PAID IN FULL $ 320 single document

$ 400 spousal documents

Codicil (an amendment to a will) PAID IN FULL $ 40 single document


Living Will / Health Care Directive PAID IN FULL $ 40 single document


Durable / Financial Power of Attorney PAID IN FULL $ 40 single document




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PULZONVAR_16 05/16

Zoning and Variances



Zoning and Variances

Legal services for an insured in anadministrative action related to a zoningchange, variance, or an eminent domainproceeding involving your primaryresidence.

PAID IN FULL $ 400*









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PULCHLDCUSSUPAGR2_16 05/16

Uncontested Child Custody/Child Support Agreement



Uncontested Child Custody/ChildSupport Agreement

Legal services for an insured for thecreation of an initial uncontested childcustody, child support, or visitationagreements. This benefit does not includethe modification of current agreements.

PAID IN FULL $ 320*




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PULCHLDCUSSUPAGR3_16 05/16

Contested Child Custody/Child Support Agreement - 8 hours



Contested Child Custody/Child SupportAgreement - 8 hours

Legal services for an insured for thecreation of an initial contested childcustody, child support, or visitationagreements. This benefit does not includethe modification of current agreements.


$ 640*




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PULELDERLAW_16 05/16

Elder Law



Elder Law

Initial advice for an insured on the impactof your parent's/grandparent's personallegal matter on you.

PAID IN FULL $ 25

Legal services for an insured for thepreparation and review of a deed whereyou are the grantee.

PAID IN FULL $ 40 per document

Legal services for an insured for thepreparation and review of a promissorynote where you are the payee.


Legal services for an insured for thereview of your parent's/grandparent'spersonal legal documents, including estateplanning documents where you have beennamed as an agent or executor/personalrepresentative.




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PULHOMEEQUITY1_16 05/16

Home Equity Loan - Primary Residence



Home Equity Loan - Primary Residence

Legal services for an insured for thepreparation and review of home equityloans for your primary residence.

PAID IN FULL $ 160*




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PULHOMEEQUITY2_16 05/16

Home Equity Loan - Secondary Residence



Home Equity Loan - SecondaryResidence

Legal services for an insured for thepreparation and review of home equityloans for your secondary residence.

PAID IN FULL $ 160*




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PULINSDISPUTE_16 05/16

Insurance Disputes



Insurance Disputes

Legal services for an insured as a plaintiffor defendant relating to disputes with yourauto, home and renters insurance carrier.

PAID IN FULL $ 800*









By


PULPROPREF2_16 05/16

Refinancing - Secondary Residence



Refinancing - Secondary Residence

Advice and review of relevant documentsregarding refinancing of your secondaryresidence.

PAID IN FULL $ 160*




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PULPROPTAX2_16 05/16

Property Tax - Secondary Residence



Property Tax - Secondary Residence

Legal services for an insured in anadministrative action brought by you toreduce the property tax assessment onyour secondary residence.

PAID IN FULL $ 400*









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PULSTATELOCALTAX1_16 05/16

State and Local Tax Collection Defense



State and Local Tax Collection Defense

Legal services for an insured in defenseagainst collection actions by state and/or local tax authority related to errors onyour personal state tax return or personallocal taxes where the initial written notice isreceived after your effective date.

PAID IN FULL $ 480*









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PULSTATELOCALTAX2_16 05/16

State and Local Tax Audit



State and Local Tax Audit

Legal services for an insured involvingstate and/or local tax authority auditsrelated to your personal state tax returnor personal local taxes where the initialwritten notice is received after youreffective date.

PAID IN FULL $ 480*









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PULBANK2_16 03/18

Bankruptcy



Bankruptcy

Legal services for an insured up to andincluding filing of a Chapter 7 bankruptcyfinal report or confirmation of a Chapter 13bankruptcy and including post-confirmationamendments/modifications. This benefit doesnot include the ongoing maintenance of aChapter 13 repayment plan.

Chapter 7 PAID IN FULL $ 880*

Chapter 13 PAID IN FULL $ 1,200*




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PULBLDGCDE2_16 03/18

Building Codes - Secondary Residence



Building Codes - Secondary Residence

Legal services for an insured in anadministrative action for permit or codeviolations relating to the renovation and/orimprovement of your existing secondaryresidence.

PAID IN FULL $ 400*









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PULDOCPREP2_16 03/18

Document Preparation



Document Preparation

Legal services for an insured forthe preparation of Deeds, Mortgages,Promissory Notes, Affidavits, LeaseContracts, Demand Letters, andInstallment Contracts, Bill of Sale andHIPAA Authorization.




By


PULDOCREV_16 03/18

Document Review



Document Review

Legal services for an insured for thereview of your personal legal documents.




By


PULDOMESTIC2_16 03/18

Protection from Domestic Violence - Named Insured



Protection from Domestic Violence -Named Insured

Legal services for the namedinsured to obtain a protective order relatedto domestic violence.

PAID IN FULL $ 320*




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PULDOMESTIC3_16 03/18

Protection from Domestic Violence - Insured



Protection from Domestic Violence -Insured

Legal services for an insured to obtaina protective order related to domesticviolence when the opposing party is not aninsured under the same Certificate.

PAID IN FULL $ 320*




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PULEASEMENT2_16 03/18

Easement - Secondary Residence



Easement - Secondary Residence

Legal services for an insured in anadministrative action regarding aneasement on your secondary residence.

PAID IN FULL $ 400*









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PULFORECL2_16 03/18

Foreclosure - Secondary Residence



Foreclosure - Secondary Residence

Legal services for an insured regardingwritten notice of a foreclosure related toyour secondary residence.

PAID IN FULL $ 480*









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PULMECHANICSLIEN_16 03/18

Mechanic's Lien



Mechanic's Lien

Legal services for an insured to remove amechanic's lien.

PAID IN FULL $ 480*









By


PULRESTRNORDER1_16 03/18

Restraining Order - Named Insured



Restraining Order - Named Insured

Legal services for the namedinsured to obtain a restraining order.

PAID IN FULL $ 320*




By


PULRESTRNORDER2_16 03/18

Restraining Order - Insured



Restraining Order - Insured

Legal services for an insured to obtaina restraining order when the opposingparty is not an insured under the sameCertificate.

PAID IN FULL $ 320*




By


PULSTUDENTLOANDEBT_16 03/18

Student Loan Debt Collection



Student Loan Debt Collection

Legal services for an insured as thedefendant in a legal dispute related toyour student loan.

PAID IN FULL $ 480*









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PULZONVAR2_16 03/18

Zoning and Variances - Secondary Residence



Zoning and Variances - SecondaryResidence

Legal services for an insured in anadministrative action related to a zoningchange, variance, or an eminent domainproceeding involving your secondaryresidence.

PAID IN FULL $ 400*









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PULTLAS_16 05/16

Telephone Legal Access Services

We will pay the attorney fees of a Telephone Legal Access Law Firm as defined below for TelephoneLegal Access Services provided by a Telephone Legal Access Law Firm while your Certificate is ineffect.

“Telephone Legal Access Law Firm” - means an independent law firm that has entered into a writtenagreement with us to provide Telephone Legal Access Services to you within the territory of the UnitedStates.

“Telephone Legal Access Services” - means the type of legal services which, within the applicablestandard of professional care and conduct, may be rendered by the Telephone Legal Access Law Firm inone or more telephone conversations with a client and which may be connected with other legal servicesbased on telecommunication which are specifically listed below.

Coverage Attorney FeesYou will receive:

● Toll-free telephone advice on how the law relates to your personal legalmatter and which action may be taken.

PAID IN FULL

● Follow-up correspondence and telephone calls to third parties related toyour personal legal matter.

PAID IN FULL

● Specific document preparation and document review. PAID IN FULL

● You will receive legal assistance from the Telephone Legal AccessLaw Firm for the preparation or review of a: Standard Will or Codicils.

PAID IN FULL

Standard Will means a will document without trust provisions otherthan a support trust for dependent children limited to appointing aguardian and placing assets for dependent children until they reachtheir age of majority.



By


SPC(10180) 1

ARAG Services, LLC500 Grand Avenue, Suite 100

Des Moines, Iowa 50309-

SERVICE PLAN

1. Name of Plan Member, AddressCITY OF TALLAHASSEECITY HALL300 S. ADAMS STREETTALLAHASSEE, FL 32301-1731

2. Service PeriodThe term of this Plan shall be from January 01, 2019 to December 31, 2019Standard Time at the address of Plan Sponsor.

3. Price$7.22 monthly per Named Plan Member$9.42 monthly per Named Plan Member plus eligible dependents

4. Services ProvidedAs per attached

SPC(10180) 2

SERVICE PLAN

for

City of Tallahassee

ARAG Services, LLC as plan administrator, will provide the services described in this document (hereinafterreferred to as the “plan”) in compliance with all provisions herein in return for plan member’s service fee.This plan incorporates any and all terms and provisions of the plan member’s Certificate of Insurance. If thenamed plan member purchased only individual membership the services described below will be availableonly to him/her.

TERMS AND CONDITIONS

This plan may be amended or changed at any time by written agreement between the plan sponsor and us.

Any terms of this plan which are in conflict with any state or federal law are amended to conform to allapplicable federal or state regulations.

We do not provide services for you if you have intentionally concealed or misrepresented any material fact orcircumstance or have made false statements or engaged in fraudulent conduct relating to your membershipor the plan.

REDUCED FEE LEGAL SERVICES

If your legal matter is not fully covered under your insurance policy and is not listed under the “Exclusions”in your Service Plan, you are eligible to work with a Network Attorney and receive a reduced fee that willbe at least 25% off the attorney’s normal hourly rate. Payment of attorney fees is handled directly betweenthe plan member and the Network Attorney. Access to a Network Attorney is subject to availability. You areencouraged to contact ARAG to determine proximity to a Network Attorney within legal practice areas.

For matters that include a cap on the number of hours ARAG will pay a Network Attorney, and where yourlegal matter will exceed the cap set, the Network Attorney will bill you directly at reduced rates of at least25% off his or her normal rates for the remaining hours. You pay the attorney directly.

For Telephone Advice, if your matter cannot be resolved over the phone and is not fully covered underyour insurance policy and not excluded under the “Exclusions” in your Service Plan, you are eligible towork with a Network Attorney and receive a reduced fee that will be at least 25% off the attorney’s normalhourly rate. Payment of attorney fees is handled directly between the plan member and the NetworkAttorney.

REDUCED CONTIGENCY FEESThis service provides you access to a Network Attorney for a legal matter the Network Attorney deemsto be appropriately handled through the use of a contingency fee. The Network Attorney will representyou under a contingent fee arrangement where the contingent fee will not exceed 25% of the net recoveryif successfully resolved before or after trial, or will not exceed 30% of the net recovery if successfullyresolved on or after an appeal.

SPC(10180) 3

FINANCIAL EDUCATION AND COUNSELING SERVICES

This service provides you toll-free telephone access to Financial Counselors. Financial Counselors whocan address your questions and offer guidance on a variety of money management matters, as well asprovide instructions on how to use the program's financial tools.

Financial information and services include:

● General financial planning counseling sessions ● Insurance

● Cash and debt management ● IRAs and 401(k)s

● Savings and budgeting ● Federal tax information and education

● Asset allocation ● Mortgage education

● Credit reports ● Investments and Risks

You can also visit a financial education website which provides educational resources to help you establisha plan for reaching your goals, such as a down payment on a house, reduction of debt or college fundingfor a child. This website includes interactive financial tools and an online reference library that can be usedto create a personalized money management plan. Financial Counselors are also available for guidanceon implementing your personal action items.

SPC(10180) 4

IDENTITY THEFT PROTECTION

A service that gives you access to:

● Toll-free legal advice from a Telephone Network Attorney to assist with legal-related problems that thetheft of your identity may have caused.

● Identity Theft Materials, including:

● An Identity Theft Prevention Kit to help protect yourself from becoming a victim of identity theft inthe first place,

● An Identity Theft Victim Action Kit to help speed your recovery should you become an identitytheft victim,

● A tracking document to help you keep track of phone calls, e-mails and letters for attorneys,

● An Identity Theft Affidavit to help you report your identity theft to necessary parties.

● Identity Theft Case Managers who will help you determine appropriate steps to begin recovery andhelp you monitor the progress of your recovery.

● Full-Service Identity Restoration: Certified Identity Theft Restoration Specialist provide full-serviceidentity restoration services, including specialized limited Power of Attorney to work on your behalf torestore your identity.

● Lost Wallet Services: Certified Identity Theft Restoration Specialist assist you in canceling andreissuing personal documents such as credit cards, driver's license, Social Security Cards, etc. - due tolost or stolen wallet or identity documents.

● Identity Theft Insurance: Should you become a victim of identity theft, Identity Theft Insuranceprovides coverage up to $1 million for expenses associated with restoring your identity. (Eligibility,coverage, limitations and exclusions are governed by a separate Master Policy. Please see the IdentityTheft Plan Summary for details.)

In order to use the following services, you will need to log in and establish an online monitoring account.

● Single-Bureau Credit Monitoring: Services designated to track and immediately inform you of anyactivities or changes to your credit - including loan applications, credit card activations, delinquencies,etc.

● Internet Surveillance: Services that monitor thousands of websites and millions of online data pointsand will alert you if your personal information is being traded and/or sold.

● Change of Address: Services that monitors address change requests with the United States PostalServices.

● Child Monitoring: Services that enable parents or guardians to protect minor's information from identitytheft by registering and tracking their data. Social Security Number trace monitoring which will detectthe creation of a credit file in a minor's name.

SPC(10180) 5

IMMIGRATION

A service that gives you toll-free access to Telephone Network Attorneys for:

● Legal advice and consultation● Immigration processes and guidelines.● Filing and processing of applications and petitions.● Laws and regulations governing various types of immigration benefits; including asylum,

adjustment of status, business visas, and employment authorizations.● Deportation and removal proceedings.

● Document review of any immigration forms● Document preparation of affidavits and powers of attorney● Preparation for immigration hearings

For additional immigration services, Network Attorneys provide a reduced rate of at least 25% off theirnormal rates for any representation-based immigration services. Network Attorneys will bill the memberdirectly.

LAW GUIDE

Law Guide – An extensive library of easy-to-understand legal articles to help you research your legalsituation.

● Provides overviews of general areas of law including, but not limited to, estate planning, consumermatters and family law.

● Gives specific information on legal issues including, but not limited to, wills, divorces and child custodymatters.

SPC(10180) 6

DIY DOCS®

Do-It-Yourself Legal Documents - Online access to more than 300 state-specific documents authoredand reviewed by attorneys for accuracy and state-specific compliance in all 50 states. These documentscan assist you with everyday life, including issues involving:

● Automobiles ● Marriage● Caregiving ● Real Estate● Estate Administration ● Finances

Easy-to-Use Interactive Document Assembly Tool: Helps you efficiently create your own documents byasking simple questions.

My Documents: Online document storage and 24/7 access to create, update, retrieve and print yourdocuments.

Legacy Planning: Create essential legal documents yourself with the help of DIY Docs, including:

● Financial Power of Attorney ● Living Will● Health Care Power of Attorney ● Standard Will

SPC(10180) 7

CAREGIVING SERVICES

Reduced Fee Services - Should your parents/grandparents legal matter require legal representation,Network Attorneys provide reduced fee services of at least 25% off their normal rate for most legalmatters. Payment of the attorney fees is handled directly between the parent/grandparent and theReduced Fee Network Attorney. Access to a Reduced Fee Network Attorney is subject to availability. Youare encouraged to contact ARAG to determine proximity to a Reduced Fee Network Attorney within legalpractice areas.

Caregiver Support Services - As a member, you have toll-free access to a Care Advocate, who will:

● Answer your eldercare-related questions, assess eldercare need and help you develop a care plan.

● Send you a customized information guide that contains lists of assisted living facilities, nursinghomes or home health care agencies - including comparative quality-of-care ratings and reports onthousands of facilities and agencies - along with helpful eldercare information.

● Give you access to the nation's most comprehensive eldercare database with more than 90,000 longterm care providers.

● Conduct searches to determine the availability and rates of assisted living facilities, nursing homes,home health care agencies and adult care providers. Advocate will negotiate discounts whenavailable.

Plus, you will have access to the ElderAnswers Website which provides you online access to quality-of-care ratings and reports, direct access to the provider database, and a wide-range of eldercareinformation.

Caregiving Guidebook - As a member, you have access to a "go-to" guidebook providing you with thetools and resources needed to take a proactive approach in your caregiving role.

TAX SERVICES

This service provides you with year-round access to experienced tax specialist. You can call toll-free fora one-on-one consultation if you have questions or need advice regarding your personal, non-businessrelated tax matters. Services include:

● Tips for state or federal filing of personal taxes● Explanation of tax law changes● Research on complex tax matters● Advice regarding IRS Audits and notifications● Review of last year's personal tax return● Personal tax return preparation for only $50*

*There is a $50 cost for each tax preparation (federal or state). Tax preparation is limited to returns that include forms 1040, 1040A or1040EZ including Schedule A (Itemized Deductions), Schedule B (Interest and Ordinary Dividends) and Schedule D (Capital Gainsand Losses). Returns with additional schedules shall be prepared and billed at a rate of $60 per hour.

SPC(10180) 8

EXCLUSIONS

The plan services do not include:

1. Matters against us, the named plan member or the plan sponsor.

2. Matters arising out of a business interest, investment interests, employment matters, employee benefits,your role as an officer or director of an organization, and patents or copyrights.

3. Matters deemed by us to be frivolous or lacking merit.

4. Matters outside the jurisdiction of the United States of America.

This plan is effective January 01, 2019 and shall continue in effect for one year. Thereafter, the plan shallbe automatically renewed for additional one year terms unless terminated by the plan administrator or plansponsor upon thirty (30) days’ prior written notice to the other party.

ARAG Services, LLC

David R. MurrayPresident

ARAG INSURANCE COMPANYPrivacy Statement

To ARAG Policyholders…ARAG Insurance Company values you as a customer and respects your right of privacy. We want to assureyou that we have taken steps and will continue to take steps to maintain and safeguard your information.This privacy policy summarizes and describes our efforts to meet this objective. In this notice you willdiscover what information we collect, how we use it, and how we protect it from unauthorized access.

SecurityARAG recognizes the importance of respecting the privacy of our policyholders and applicants. We haveestablished physical, electronic and procedural protections to ensure that your personal information is keptconfidential in accordance with this privacy policy. We want to assure you that any information that we gatheris used strictly to affect, administer, or enforce a transaction requested or authorized by you. Furthermore,we also restrict access to your personal information within our organization to those employees who needthe information to service your account.

Information We CollectWe collect personal information about you and all policyholders from the following sources:■ Information you gave us or your agent when submitting an application for one or more policies of

insurance;■ Information from subsidiary companies of ARAG Insurance Company;■ Depending on the product requested and in order to verify your information and properly underwrite your

request, we may obtain information from consumer reporting agencies (including credit information),medical providers, and/or others.

How We Use your InformationWe use your information within ARAG Insurance Company for the following reasons:■ To protect you. The information we maintain about you and your policies of insurance help identify you

and help protect against unauthorized access to your information.■ To provide service. Your information helps us respond to your inquiries more efficiently.■ To improve and develop our products and services. Every policy we offer is designed to protect you and/

or your property. The information we gather is analyzed and processed in order to provide you with asuperior product at a reasonable price.

Information We DiscloseWhen we disclose your information to companies outside our group, we do so only for specific purposes aspermitted by law. Accordingly, when we disclose information, we require companies to which we discloseyour information to maintain and protect its confidentiality. We may disclose information to the following typesof outside companies or entities:■ Independent contractors, such as technical system consultants, who program our software or maintain

our systems to help us administer our products for you.■ Governmental or quasi-governmental entities, such as state insurance departments, guaranty funds or

rate advisory organizations.■ Companies whom we have retained to provide services on our behalf or companies we have retained to

administer your policy or account.

Some insurers release personal information to non-affiliated third parties that provide marketing support forproducts and services other than those offered by that insurer. ARAG does not. If we change our policy, wewill give you a supplemental notice with instructions on how you may opt out of this information sharing.

Questions?We value you as a customer and policyholder. If you have any concerns about our privacy policy, your agentwill provide you access to your personal information that we possess or can reasonably retrieve. However,before your agent can satisfy your request you must provide a signed and notarized request indicating allpolicy numbers for which you want information.

This Privacy Statement describes our privacy practices for both current and former policyholders. We willprovide one copy of this notice to joint policy or contract holders; please share this information with everyonecovered by your policy.

Legal Insurance from ARAG - Talgov.com · 2019-11-08 · IRS tax audit IRS tax collection cor the...

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Transcript of Legal Insurance from ARAG - Talgov.com · 2019-11-08 · IRS tax audit IRS tax collection cor the...