Senior Protection Plan
$19.95/Month for Single Product
As people get older, health becomes a concern. The natural aging process weakens seniors and makes them dependent on medical care, however in modern times, thanks to the development of certain technologies such as telemedicine, the healthcare needs of seniors have becomes more convenient to address. Telemedicine can be used to provide home based care. Family Protection Services offer several programs and facilities that afford peace of mind and convenience to seniors.
Doctors on Demand program
Doctors on Demand service offers access to US based licensed and qualified physicians through phone and emails round the clock. Doctors receive EMR (Electronic Medical Record) of patients and examine cases for all non-emergency cases. All services offered under the plan comply with HIPAA.
Below are the benefits of the program:
Counseling services for Mental Health
Telephonic counseling services are of immense help for people who struggle with emotional, mental and psychological problems. In the current lifestyle characterized by high stress, these services help members cope with several issues and live a life of better quality.
Counseling services are provided for the benefits Legal Plan members. All members and their families can avail counseling services 24x7x365 by calling on a toll free number. Personal consultation and counseling is provided by qualified counselors, behavioral health experts and clinicians who are specially trained in telephonic assessment and consultation. Members can make unlimited phone calls on any number of issues.
The plan offers counseling on marital issues, parent-child relationship, legal matters, financial concerns, child care, senior care, substance abuse, addiction, emotional problems and other challenges. All consultations and discussions with experts are strictly guarded for confidentiality.
Benefits under the plan:
Services offered by counselors:
Steps taken after initial assessment
Concluding the case
Counselors keep in touch and follow up on treatment recommended to members. They make sure that members receive satisfactory services. Any case is closed only after making sure that the course of treatment has been completed, issue has been resolved and treatment has been fruitful.
Counseling and Education on Financial Matters and Credit Issues
Financial and credit counseling offers personalized advice on all matters related to finances. Services are available round the clock and throughout the year. Members can access services through phone, live chat and online tools.
Counseling services are available on all financial, credit and investment related mattes including purchase of property, debt management, trust set up and many others. The program is meant to help members make intelligent and informed decisions related to their finances. More than a thousand financial and legal experts are involved in offering advice and counseling under the plan. Services included under the plan are:
Members obtain complete assessment, review and analysis of different financial matters including assets, liabilities, income and expenses of the household
Debt and credit counseling
Certified credit counselors conduct thorough assessment of credit and debit matters and offer the following services:
Online counseling sessions
Comprehensive and personalized counseling sessions are provided covering myriad issues ranging from budgeting and credit management to dealing with creditors. All queries can be emailed to us.
Housing advisory program
All members receive special personalized advice on first time ownership of property, receiving affordable loans and mortgages, obtaining appropriate refinancing and explanations on reverse mortgages. Members are also eligible for counseling after the purchase of property.
Visa presents self passed lessons, five in number. Each of these private courses is meant to equip members with intelligent money management techniques.
Resources for Senior Care
Seniors can make use of three services meant to simplify challenges related to elder care. The three services provided by eldercare advocates include caregiver assistance, veteran’s assistance and assistance for beneficiary and surviving spouse. This program is offered by Global Institutional Solutions.
Wellcard Benefit Plan
Under the Discount RX Card plan, members are eligible for discounts on any prescription drug approved by the FDA.
Legal Club of America’s Family Protection ID Theft and Legal Benefit Plan
Members of family protection plan can avail legal benefits offered by qualified attorneys. In addition to the registered member, the plan also offers coverage to the domestic partner and dependents staying with the member. The plan has a network of attorneys who offer a wide range of services.
Legal services offered free of cost
All plan members receive the below given nine services for free. However, in some cases, you might be needed to pay a retailer fee in order to cover professional liability of the lawyer.
Although all members are eligible to receive the above services for free, they might be required to pay a retainer fee for attorney liability.
Discounted services come at heavy discounts. They are also called deeply discounted services and are available for eight provisions. As the name indicates, these services are not free, but require a onetime fee.
Deeply discounted fees are not inclusive of court charges and travel costs incurred because of the legal issue.
Guarantee on minimal hourly charges for legal services
All members of the plan pay only minimum charges for legal services. These charges are calculated in two ways and. Firstly, plan attorneys are not allowed to charge more than $125 hourly rate. Secondly, 40 percent charges are discounted from the usual hourly rates charged by the attorney. The rate which is higher between the two is taken to be the minimum fee.
Retainer fee is required to cover attorney liability and some other expenses. This fee is calculated in the following way.
Retainer fee = (total number of hours of expected work on the legal issue) x (standard hourly rate charged by the attorney)
This is the money you need to pay in the beginning of the case. If the attorney does not spend the entire retainer on the case, he or she returns the balance amount to you.
Contingency fee reduction
Discount on contingency fee is calculated in two ways and the lower between the two is chosen to be applicable. Firstly, the standard rates charged by the attorney are considered. Secondly, 10 percent is reduced on the state maximum price for that particular legal service. The lower amount is the reduced fee.
Taxation is a rather confusing matter for most of the people in America. The confusion increases because of the changing terms and laws related to taxation every year.
All members of the Family Protection Plan receive comprehensive counseling and assistance on taxation issues. The benefits enjoyed are:
Advice and assistance provided on taxation issues is offered by experienced financial analysts, tax attorneys, CPSs, enrolled IRS certified agents and auditors. Members of the plan receive $1 million insurance coverage for liability.
Identity theft, one of the major problems faced by numerous families in the United States, can be tackled using our robust theft management services. We help you restore identity and equip with skills required to safeguard identity and prevent identity loss in the future. All issues related to identity theft are handled by expert paralegals who are available at your service round the clock and all round the year. All identity theft solutions are personalized to meet your specific requirements.
If you sign up for Family Protection Plan, you receive $25,000 insurance coverage against identity theft. The insurance is underwritten by an insurance company with AM Best rating of A or higher. The insurance amount can be used to pay some expenses incurred in restoring identity and covering losses incurred because of the theft.
The insurance policy helps in the following ways:
The insurance amount is used to cover reimbursement of various necessary costs such as the following:
These inclusions are purely summarization of benefits, terms and conditions. For a more thorough understanding of the terms, please read the complete terms, conditions and exclusions criteria. Also note that people in New York and certain other places are not eligible for certain benefits. Only the registered member is eligible for these benefits. His or her family is not eligible.
Restoring identity theft
When you discover that your identity has been stolen, Privacy Advocates associated with the Family Protection Plan undertake the following restorative functions on your behalf.
Ultimately, the Privacy Attorneys associated with Family Protection Plan aim at proving peace of mind to members by ensuring speedy resolution of important issues.
Assistance for recovery of stolen cards
If your cards (credit/debit) cards are stolen, our Privacy Attorneys offer the following kinds of assistance:
Identity monitoring services are limited to the registered member and are not offered for the family or dependents. The intention behind identity monitoring is to prevent further losses and fraudulent activities occurring because of ID theft. Essentially, the service offers highly secure and convenient identity monitoring in addition to issuing actionable identity alerts.
Our monitoring services are not restricted to credit monitoring. Rather, the intention of the service is to take corrective and precautionary measures to prevent theft. In order to prevent misuse of information such as name, social security number, address, date of birth and phone numbers, these items are continuously monitored. We create SNAPD blueprint to keep track of huge amounts of data every day.
Data is monitored from sources such as new credit cards, usage of wireless carriers, retail credit cards, auto loans, mortgage loans, payday loans, utility accounts, government databases, checking accounts, checking reorders, real estate records, social security records, court and criminal records, and DMV records.
Continuous monitoring of these elements helps to prevent identity theft up to a large extent. Expensive damage caused due to loss, theft or misuse of identity can be effectively mitigated.
Keylogging defense system
Keylogging systems can cause a lot of damage. They are used extensively to steal identity. Essentially, keylogging systems are loaded into a computer to track every keystroke made by the user. This tracked data is recorded in a remote system. By examining the keystrokes, miscreants can obtain your passwords and other confidential details that you enter in the computer.
Our Family Protection Plan offers an antidote to such keylogging systems. We offer software solution that negates the function of these systems. Our keylogging defense system encrypts every keystroke that you hit on your system. As a result, any data you enter remain confidential and cannot be de-coded with an intent of misuse. The system prevents transmission of data to remote systems.
Affordable Access Plans:
Affordable Access Plans provide personal security and protection plans to guard your clients against identity theft, offer legal advice and guidance on financial issues, as well as providing comprehensive medical packages.
Also Available from Affordable Access Plans:
Total Protection Plan:
» $22.95/Month for Single Plan
» $29.95/Month for Family Plan
Family Protection Plan:
» $19.95/Month for Single Plan
» $24.95/Month for Family Plan
Doctors on Demand:
» $12.95 per Month for Single Plan
» $15.95 per Month for Family Plan
Identity Theft and Legal Plan:
* The information provided is intended for licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public. Certain exclusions may apply. Plans offered by insurer. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.
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