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III. Trial Defense Services*** (See Note At Bottom Of Page) **(If you have a Pre-Existing Condition, click here for your coverage options) This Coverage Is Not Available in the following States/Provinces: NEW JERSEY, WASHINGTON, CANADIAN PROVINCES Who's Coverage: This coverage applies only to the named member and spouse. Lawsuits cause tremendous emotional and financial stress. Your Pre-Paid Legal membership offers assistance when you need it most. Up to 60 hours of lawyer time... During your first membership year, you have up to 60 hours of your Provider Lawyer's time at no additional cost when you or your spouse is named defendant or respondent in a covered civil or criminal action filed in a court of law. The criminal action must be one which arises out of the direct performance of the covered person's employment activities. Your Provider Firm can advise you of the documents required to determine coverage under this benefit. Of these 60 hours, 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. Your hours of service increase... When you renew your membership, your hours of lawyer time increase as follows: 2nd year renewal: Up to 120 hours of assistance at no additional charge including up to 3 hours of pre-trial time. 3rd year renewal: Up to 180 hours of assistance at no additional charge including up to 3.5 hours of pre-trial time. 4th year renewal: Up to 240 hours of assistance at no additional charge including up to 4 hours of pre-trial time. 5th year renewal: Up to 300 hours of assistance at no additional charge including up to 4.5 hours of pre-trial time. ***Trial Defense Services: Exclusions: 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 are not covered under this benefit, but are covered by the preferred member discount. Additional exclusions under this benefit: Being named in a civil lawsuit or having criminal charged filed against you because you are 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. Those charges are covered with your preferred member discount. If the lawsuit was filed because of something that occurred prior to your membership or because of conditions that were reasonably anticipated or foreseeable prior to your enrollment, then the lawsuit is excluded from your Trial Defense benefit. This exclusion applies even if the lawsuit is filed after you become a member. These lawsuits 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. Your Provider Law Firm has the right to determine whether or not your claim or defense to a matter will prevail in court or is frivolous or without merit. This includes deciding whether or not to appeal any judgment or decision. Your Provider Law Firm also has the right to present your claim or defense according to their independent professional judgment. Pre-Paid Legal will not influence or attempt to modify how your Provider Law Firm provides their professional services. Important Note: The information contained in this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the coverage you have selected. Please consult the plan contract for actual terms, coverage, amounts, conditions, and exclusions. |
| CCAC Website Customization - 2010 CCAC Legal Access Services A Division of CCAC & Associates, Inc. Douglasville, GA USA |
| *Additional Information & Exclusions: Due to regulatory requirements, benefits and rates vary in certain states and provinces. The information contained on this material is for illustrative purposes only and is not a contract. It is intended to provide a general overview of plan coverage; only a plan contract can give actual terms, coverage, amounts, conditions and exclusions. |
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