PRE-PAID LEGAL SERVICES PLAN FOR MAINE

• The top 10% already have the funds for legal access...
• The bottom 10% have access to legal aid or a public defender...
• But the middle 80% often don't seek legal counsel.

Motor vehicle legal expense services are available 15 days after enrollment. Representation under this benefit is provided as a result of the operation of a properly licensed motor vehicle. Any fines and court costs are the member's expense. Pre-existing conditions, charges of DUI/DWI related matters, drug-related matters, hit and run related charges and unmeritorious cases are excluded. Commercial vehicles with more than two axles are not covered. However, you may receive a 25% discount and consult with your Provider Lawyer under the unlimited toll-free consultation benefit for any exclusions under this benefit.

• 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 that 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 review 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 cover the member and the spouse. This benefit does not cover dissolution of marriage, separation, annulment, child custody or other divorce-related matters, bankruptcy, charges of DUI/DWI or drug-related matters. Acts or matters occurring prior to the membership that give rise to a lawsuit even though the lawsuit may be filed after enrollment are excluded as pre-existing conditions. You may use your 25% discount and the unlimited toll-free consultation benefit for any of these exclusions.

• Up to 50 hours of lawyer time…
  You have up to 50 hours of your Provider Lawyer's time available at no additional cost when you or a covered family member receives written notice of an IRS audit or are requested to appear at IRS offices regarding your tax return. Your 50 hours are available as follows:
• Up to one hour for consultation, advice and assistance when you receive written notice from the IRS of audit or appearance.
• If there is no settlement within 30 days, you have up to 2.5 hours for audit representation, negotiations, telephone conversations, and settlement conferences prior to litigation.
• If there is no settlement without litigation, up to 46.5 of the remaining hours are available for actual trial appearance if the IRS sues you, or you pay the disputed tax and sue the IRS.

Should you need legal services not covered by this plan, your Provider Lawyer will render assistance at a 25% reduction to his or her standard hourly rate* for you or any covered dependent. Please note that a retainer may be required for services to be rendered under this benefit. Your Provider Lawyer must have five days prior to court representation. Telephone advice is available immediately.
* Hourly rate for Referral Lawyers and court appearances may vary.

The information describes highlights of the Pre-Paid Legal Plan only. Only the membership contract can provide a complete description of plan benefits, provisions, limitations, or exclusions.