Legal Club of America is a public company offering a nationwide discount legal referral service with a network of over 22,000 attorneys who have contracted to provide our members with numerous FREE and Discounted Legal Services.

When you become a member of Legal Club, you will be referred to a Plan Attorney based on three criteria: area of law, language spoken and location. Membership includes you, your spouse and any dependents 25 and younger and any dependents living with you that may be financially dependent upon you, such as a parent or grandparent. You may use as many plan attorneys, practicing any area of law, any where in the country as often as you like.

Attorney Provided Services

Free Services: Unlimited phone consultations, during business hours, for each new legal matter. Unlimited face to face consultations, during business hours, for each new legal matter. Whether in person or over the phone, always allow your attorney to consult with you and determine what the best course of legal action is before you ever spend a dime. Attorney review of legal documents (6 page max.) per new matter. All legal documents, regardless of how simple they seem, should be reviewed by a qualified plan attorney prior to execution. The free review of a document prior to entering in to a contractual relationship could save you thousands of dollars and heart ache down the road.

Plan attorneys will make phone calls on your behalf Plan attorneys will write letters on your behalf This is a very powerful free benefit. Have you ever received a letter or call from someone else’s attorney? If so, then you know how intimidating that can be. Well now you have the same ability to exert legal power when needed. When deemed appropriate, your plan attorney will write a letter or make a call in an effort to bring resolution to a legal issue. Your plan attorney will complete a simple will for you and your family and update it annually for free All individuals and/or families should have at the very least a simple will prepared by a qualified plan attorney. It is important that you, not the state you live in, determine how to allocate your assets in the event of you or a loved one’s demise. Your plan attorney will provide you with free helpful advice on representing yourself in small claims court If it’s determined that you are better off representing yourself in small claims court, a plan attorney will assist you in being as well prepared as you can be for such an incident. Assistance in solving your problems with government programs. Let a plan attorney assist you and your family with issues involving government programs such as Immigration, Medicaid and Medicare, Social Security and more. Often a free letter and/or phone call from a qualified plan attorney can help you achieve the desired result.

Discounted Fee Schedule:

The following fee schedule represents the discounted one-time fee that plan attorneys will charge our members for the corresponding listed legal service. Compare the difference between member rates and the national average charged by law firms for the same service.

The savings is tremendous!

Guaranteed Fixed Hourly Rates:

In the event a member requires extended legal representation, our plan member attorneys have contracted with us to never charge more than $75.00 per hour for in or out-of-court representation. In most cases, the attorneys will be able to estimate the amount of hours any given case may consume prior to beginning work on the case.

This is where tremendous savings is realized!

After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In most cases, members will have no choice and litigation may ensue. This is the point in time that Legal Club plan attorneys charge the $75.00 hourly rate for legal care. This represents up to a 66% savings from our competitors insurance plans. Our competitors in the legal expense insurance business offer their members a 25% discount off hourly rates. In California, Florida, Texas, New York and other large states, this will leave their members paying well over $200.00 per hour for extended legal care. The savings with Legal Club will be thousands of dollars. In fact, competitors required retainers will be thousands more than Legal Club because retainers are figured using the attorney’s hourly rate and estimated time needed to service the member.

Discount on Contingency Based Cases
Contingency fee will be a 10% reduction of the state maximum rate or the attorney’s usual rate, whichever is lower.

Law Areas Included
All areas are included in our plan. Legal Club does not exclude any type of law area. Many legal expense insurance products have waiting periods, pre-existing condition exclusions and limitations on usage. This is due to the fact that they have financial exposure to usage, just the same way an HMO has. As such, many types of law areas are excluded in their plans. Legal Club has no such exposure and as such, takes the opposite approach and encourages usage. In fact, 80% of all new members use the legal plan within the first 90 days they join.

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Identity Theft Restoration Program

PRODUCT FEATURES AND BENEFITS

Our Identity Theft Restoration Administrator’s core business competency is identity theft victim recovery. They pride themselves on advocating on a victim’s behalf. By “advocating” we mean performing all functions of the recovery process, within the bounds of the law, on behalf of the victim. The majority of recovery services claim that they have “beginning to end” service, but in actuality the victim is doing the majority of the work and the company is merely providing advice. Our commitment to our victims is to make the recovery process as painless as possible by providing a single point of contact that manages every detail of the recovery process.

ID Theft is the fastest growing crime in America, claiming 9.9 million victims in 2002 and costing an average of $1,180 per individual victim. In a matter of seconds, personal information such as a social security number, a credit card number and/or an address can be stolen; leaving individuals to unravel the financial mess created by an identity thief. Members will have 24/7 access to Identity Theft Restoration Advocates who will provide them with comprehensive, personalized recovery services. If an LCA member becomes a victim of identity theft, the plan administrator assigns a Recovery Advocate to manage the case and activate the members of our Recovery Team (fraud investigators, legal counsel, and other experts) needed to help with the recovery process from beginning to end. This includes gathering the facts for a Damage Assessment and creating a customized Recovery Plan. The Recovery Plan outlines the actions the member and Recovery Team will need to take to complete the recovery process.

Examples of recovery services

• Provide Customer with personalized damage assessment and recovery plan. Set goals for recovery process
• Notify the three major credit bureaus of fraud, place fraud alerts, and request complimentary credit reports
• Review the Customer’s credit files with the Customer to determine the accuracy of the file and potential areas of fraud
• Notify the Customer's affected creditors, financial institutions, and utility providers of the identity theft (available on an hourly rate basis)
• Provide assistance with filing a Police Report/locating office
• Collect information regarding misuse of the Customer’s accounts - to be shared with law enforcement
• Create and maintain a case file to document the identity fraud
• When appropriate, provide assistance with obtaining and reviewing the Customer's Social Security Personal Earnings and Benefits Statement
• Provide information to the FTC, and to other government agencies as appropriate
• Assist the victim to restore the victim’s credit file to pre-theft state

Online Recovery Education Portal

In addition to having access to our recovery advocates, members will have 24/7 access to our Identity Theft Education web site. This site will provide our members with numerous online tools to assist them in determining their own personal level of security and assist them in resolving Identity Theft issues.

Members will be able to:

• Receive a monthly tips newsletter
• Receive timely anti-theft articles
• Take the Id Theft Protection test
• Develop their own protection plan
• Check out fraud alerts and headlines, and Much, much more…

Ability to Deliver

Experienced and qualified customer service representatives Our Id Theft Administrator has over 30 call center agents who provide 24/7 victim intake to initiate the recovery process.

The Recovery Team is made up of Recovery Advocates, legal, and fraud investigators who provide the expertise to help victims recover from ID theft.

In-depth knowledge and experience in the field of consumer frauds Our Id Theft Administrator is a leading provider of Identity Theft protection and recovery services, consumer fraud data aggregation, and call center management. We have successfully implemented a highly-efficient consumer fraud recovery model, and a communication platform to disseminate information. We have alliances with CTG, AIG, TransUnion, among others. These alliances allowed us to develop “best practices” for helping victims recover from ID theft and disseminate consumer fraud information, elements that are now part of our core process and case management system.
Case management system We use a comprehensive and scalable case management tool.
Experience with both credit bureaus and law enforcement agencies Our Id Theft Administrator has an agreement with TransUnion to provide participants with credit reporting and monitoring and, through a partnership with Amcrin, has relationships with law enforcement agencies and financial institutions across the country.
Proven ability to deliver Our Id Theft Administrator and its business alliances have a proven track record. Identity Safeguards is fully operational, with a 24/7 call center and an active recovery staff

CUSTOMER SATISFACTION

Our Id Theft Administrator has a very high standard for customer satisfaction. Customer satisfaction is measured on two independent facets of business: 1) across the entire membership base and 2) members who have become victims of identity theft.

Satisfaction of the Membership-Base
• Random telephone monitoring: supervisors randomly monitor customer support calls
• Yearly survey: a random sample of customers is picked and surveyed on a fiscal year basis
• Customer feedback: customers can provide positive and negative feedback by calling a 24/7 support line or a web-based feedback form.

Satisfaction of Victims:

• Personalized service and feedback: each victim is assigned a personal Recovery Advocate (case manager) and will be able to provide feedback to the Recovery Advocate Manager. All victim communication is recorded in a case management database. If for any reason the customer is unsatisfied with the Recovery Advocate, a new one will be assigned.
• Survey: Once the case is closed each victim is asked to complete a customer satisfaction survey. The survey has 10 satisfaction questions that can be answered on a scale from “Strongly Agree” to “Strongly Disagree”. Each survey is analyzed and stored in the case management database.

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