We give members access to professional legal counsel not only for traditional legal problems, but for everyday events such as buying a house or a car, creating a will, handling a problem with an insurance company, dealing with identity theft, and much more where legal review should be routine, but rarely is. These events can be among the most important events in a person's life, yet there is a tendency for them to take place without proper legal review. For Pre-Paid Legal members, access to legal counsel is only a toll-free phone call away.
Pre-Paid Legal Services®, Inc. was one of the first companies in the United States organized solely to design, underwrite and market legal expense plans. For a low monthly fee of $26 or less, the Company's legal expense plans (referred to as memberships) offer a variety of legal services in a manner similar to medical reimbursement plans or HMOs.
The Company currently provides legal services to over 1.5 million families across the U.S. and Canada. Plan benefits are delivered through a network of independent provider law firms. Members have direct, toll-free access to their provider law firm rather than having to comb through a yellow-page style directory for a referral. Provider firms are carefully selected and the quality of service is closely monitored to maintain the high standards of Pre-Paid Legal.
Monday, June 21, 2010
Wednesday, March 10, 2010
Employee Benifits - Legal Services and Identity Theft Protection and Restoration
Our Online Business Services provides various business services to protect Identity Theft and Life Events Legal Plan for you to protect yourself, your family and your entire organization. May also help your company mitigate potential future liability. Help to save businesses money, through a cutting edge benefit with no cost to the company. More specifically, We offer and IDT protection and restoration service which is coupled with a life services plan that helps to put companies in compliance with the current privacy laws while protecting their employees.
Major Area of services included :
Major Area of services included :
Preventive Legal Services Preventive Legal Services consultation for personal and business matters.
Motor Vehicle Legal Services Moving trafic violation assistance
Defense of auto-related criminal charges.
Driver's license reinstatement assistance.
Collection assistance for personal injury and property damage.
Trail Defense Services.
Defense of covered civil or work related criminal charges for your entire family.Defense of auto-related criminal charges.
Driver's license reinstatement assistance.
Collection assistance for personal injury and property damage.
Trail Defense Services.
IRS Audit Services
Identity Theft Shield - The identity theft shield (IDT) provides valuable protection and coverage for one of America's fastes-growing crimes. This service provides
Credit Report
An up-to-date credit report through Experian at no added cost.
A Personal credit score calculated by an independent scoring service.
A detailed analysis of their personal credit score.
Continuous Credit Monitoring
Suspicious activity will be brought to your attention, providing early detection. you will receive prompt notification if the credit repository is notified by experian that :
New account are opened in your name
Derogatory notations are added to your credit report.
Public records are added to your report
Inquires are made against your report
A change of address is requested.
Identity Restoration Services. In the event of your identity is stolen, a trained expert will take the steps to restore his or her name and credit through restoration service.
People can reduce their out-of pocket expenses and time spent away from work with valuable services from detection to resolution.
Fraud alert notification will be sent on the member's behalf and applicable follow up will be done with affected agencies and institutions including: Credit card companies, financial institutions, all there credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, Law enforcement personnel and U.S. Postal Service.
Proactive searches of applicable local and national databases will be made on the memeber's behalf to look for information he or she may not be aware of, including: criminal activity in the member's name in his/her county records and certain federal watch lists, Department of Motor Vehicle records in his/her state, unknown addresses affiliated with his/her name, and banking activity ib his/her name reported as fraudulent.
Life Events
1. You don’t have an up-to-date will.
2. You don’t understand the difference between a trust and a will.
3. Family members challenge your parent’s will.
4. You don’t understand your health insurance plan or the new Medicare Prescription Act.
5. The IRS selects you for an audit.
6. Your parents die and leave you executor of their estate.
7. You are tired of hidden cell phone fees.
8. You do not have a retirement savings plan.
9. You change jobs.
10. You receive a speeding ticket.
11. You are buying or selling your home.
12. Your driver’s license is suspended.
13. Your landlord raises rent in violation of your verbal agreement.
14. Your teenager is accused of shoplifting.
15. You decide to change your name.
16. Your new washing machine doesn’t wash.
17. Creditors threaten to take action against you for your ex-spouse’s debts.
18. A neighbor or school reports you for child abuse.
19. You adopt a child.
20. A friend or neighbor is injured on your property.
21. You need child support enforced.
22. A friend owes you money and files bankruptcy.
23. A stranger calls and demands money or damaging information will be released.
24. Your car is damaged by a hit-and-run driver.
25. You accidentally back over a neighbor’s garbage can.
26. A hairdresser damages your hair with harsh chemicals.
27. Your car is repossessed unjustly.
28. You are subpoenaed or served with legal papers.
29. You are called to jury duty.
30. Your long drive off the tee injures another player.
31. You need a lease agreement reviewed.
32. Your son is injured in a football game.
33. A neighbor trips over a rake in your yard.
34. A jeweler sells you defective merchandise.
35. A car dealership gains illegal access to your credit history.
36. You are hit by a bottle at a baseball game.
37. A tenant falls down stairs and sues you.
38. You need help with credit card liability resolution.
39. You are injured when you slip on a wet floor in a public building.
40. Your livestock trample a neighbor’s garden.
41. Your neighbor’s dog barks for hours every night.
42. Your teenager gets a speeding ticket.
43. Your landlord enters your apartment without permission.
44. Your child throws a baseball through a neighbor’s car window.
45. You don’t have a Living Will or Medical Power of Attorney.
46. Your boat is damaged while in storage.
47. Your landlord refuses to refund your cleaning deposit.
48. You lose an expensive watch in a hotel and the manager denies liability.
49. A speeding car nicks your car bumper because you have parked in the street.
50. A merchant refuses to honor a guarantee.
51. You have an accident driving your friend’s boat.
52. Your spouse claims a right to your earnings.
53. A record or book club sends merchandise after you cancel your membership.
54. You are refused service at a restaurant.
55. A property manager refuses to rent to you.
56. You are denied credit for no apparent reason.
57. You are fired.
58. The auto repair shop threatens small claims court for money you don’t owe.
59. Your car insurance is cancelled when your teenager is involved in an accident.
60. Your child needs special education in public school.
61. You made a sizable gift to charity.
62. Angry words result in a slander law suit.
3. Family members challenge your parent’s will.
4. You don’t understand your health insurance plan or the new Medicare Prescription Act.
5. The IRS selects you for an audit.
6. Your parents die and leave you executor of their estate.
7. You are tired of hidden cell phone fees.
8. You do not have a retirement savings plan.
9. You change jobs.
10. You receive a speeding ticket.
11. You are buying or selling your home.
12. Your driver’s license is suspended.
13. Your landlord raises rent in violation of your verbal agreement.
14. Your teenager is accused of shoplifting.
15. You decide to change your name.
16. Your new washing machine doesn’t wash.
17. Creditors threaten to take action against you for your ex-spouse’s debts.
18. A neighbor or school reports you for child abuse.
19. You adopt a child.
20. A friend or neighbor is injured on your property.
21. You need child support enforced.
22. A friend owes you money and files bankruptcy.
23. A stranger calls and demands money or damaging information will be released.
24. Your car is damaged by a hit-and-run driver.
25. You accidentally back over a neighbor’s garbage can.
26. A hairdresser damages your hair with harsh chemicals.
27. Your car is repossessed unjustly.
28. You are subpoenaed or served with legal papers.
29. You are called to jury duty.
30. Your long drive off the tee injures another player.
31. You need a lease agreement reviewed.
32. Your son is injured in a football game.
33. A neighbor trips over a rake in your yard.
34. A jeweler sells you defective merchandise.
35. A car dealership gains illegal access to your credit history.
36. You are hit by a bottle at a baseball game.
37. A tenant falls down stairs and sues you.
38. You need help with credit card liability resolution.
39. You are injured when you slip on a wet floor in a public building.
40. Your livestock trample a neighbor’s garden.
41. Your neighbor’s dog barks for hours every night.
42. Your teenager gets a speeding ticket.
43. Your landlord enters your apartment without permission.
44. Your child throws a baseball through a neighbor’s car window.
45. You don’t have a Living Will or Medical Power of Attorney.
46. Your boat is damaged while in storage.
47. Your landlord refuses to refund your cleaning deposit.
48. You lose an expensive watch in a hotel and the manager denies liability.
49. A speeding car nicks your car bumper because you have parked in the street.
50. A merchant refuses to honor a guarantee.
51. You have an accident driving your friend’s boat.
52. Your spouse claims a right to your earnings.
53. A record or book club sends merchandise after you cancel your membership.
54. You are refused service at a restaurant.
55. A property manager refuses to rent to you.
56. You are denied credit for no apparent reason.
57. You are fired.
58. The auto repair shop threatens small claims court for money you don’t owe.
59. Your car insurance is cancelled when your teenager is involved in an accident.
60. Your child needs special education in public school.
61. You made a sizable gift to charity.
62. Angry words result in a slander law suit.
63. You need a patent for an invention.
64. You need a copyright for your manuscript.
65. You are wrongly accused of committing a crime.
66. Your right to privacy has been invaded.
67. Your car is vandalized in a parking lot.
68. A postal carrier slips on your unshoveled walk and breaks his or her leg.
69. You need assistance negotiating a severance package.
70. You are stopped for speeding and a friend is in possession of marijuana.
71. Your teenager wrecks the car and a friend is injured.
72. You care for your elderly parents.
73. You receive social security disability or medicaid.
74. You are cheated by a door-to-door salesman.
75. A repairman charges more than a given estimate.
76. A creditor tries illegal collection tactics.
77. An accident results in a personal injury.
78. You are scheduled to appear in small claims court.
79. Your new house has bad plumbing and a leaky roof.
Monday, February 15, 2010
Identity Theft and Life Events Legal Plan
Our Online Business Services provides various business services to protect Identity Theft and Life Events Legal Plan for you to protect yourself, your family and your entire organization. May also help your company mitigate potential future liability. Help to save businesses money, through a cutting edge benefit with no cost to the company. More specifically, We offer and IDT protection and restoration service which is coupled with a life services plan that helps to put companies in compliance with the current privacy laws while protecting their employees.
Identity Restoration Services. In the event of your identity is stolen, a trained expert will take the steps to restore his or her name and credit through restoration service.
People can reduce their out-of pocket expenses and time spent away from work with valuable services from detection to resolution.
Fraud alert notification will be sent on the member's behalf and applicable follow up will be done with affected agencies and institutions including: Credit card companies, financial institutions, all there credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, Law enforcement personnel and U.S. Postal Service.
Proactive searches of applicable local and national databases will be made on the memeber's behalf to look for information he or she may not be aware of, including: criminal activity in the member's name in his/her county records and certain federal watch lists, Department of Motor Vehicle records in his/her state, unknown addresses affiliated with his/her name, and banking activity ib his/her name reported as fraudulent.
Thursday, February 11, 2010
Preventive Legal Services and Privacy Laws
* Credit Report - An up-to-date credit report through Experian at no added cost.
- A Personal credit score calculated by an independent scoring service.
- A detailed analysis of their personal credit score.
* Continuous Credit Monitoring - Suspicious activity will be brought to your attention, providing early detection. you will receive prompt notification if the credit repository is notified by experian that :
- New account are opened in your name
- Derogatory notations are added to your credit report.
- Public records are added to your report
- Inquires are made against your report
- A change of address is requested.
* Identity Restoration Services. In the event of your identity is stolen, a trained expert will take the steps to restore his or her name and credit through restoration service.
* People can reduce their out-of pocket expenses and time spent awayfrom work with valuable services from detection to resolution.
* Fraud alert notification will be sent on the member's behalf and applicable follow up will be done with affected agencies and institutions including: Credit card companies, financial institutions, all there credit repositories, Social Security Administration, Federal Trade Commision, Department of Motor Vehicles, Law enforcement personnel and U.S. Postal Service.
* Proactive searches of applicable local and national databases will be made on the memeber's behalf to look for information he or she may not be aware of, including: criminal activity in the member's name in his/her county records and certain federal watch lists, Department of Motor Vehicle records in his/her state, unknown addresses affiliated with his/her name, and banking activity ib his/her name reported as fraudulent.
Wednesday, February 10, 2010
Identity Theft Prevalent at Work
New privacy laws may have created new liability for your company. Some of the new requirements to safeguard company confidential data include, but are not limited to:
1. Appoint an Information Security Officer for your company,
2. Educate your employees by holding the required meetings on privacy and security compliance,
3. Create a mitigation plan,
4. Have and train on your company’s Non-Public Information Policy and follow the policy,
5. Document all "Good Faith" measures and keep in your file as proof of your willingness to comply with these new laws.
Your Company now may have liability if you lose data and are non- compliance with these new laws. Even without a breach your company may be liable for substantial fines and penalties which could have a negative financial impact on your business or company.
FACTA, HIPAA, Gramm Leach Bliley Act, New Jersey Identity Theft Law and various other laws have created bankruptcy level exposure around your company's responsibility to safeguard data.
The FTC Red Flag Rules which was signed into law on Jan 1, 2008, and takes effect June 1, 2010 could make you directly liable for all of the vendors that have access to the sensitive data of your employees and customers.
Identity Theft Prevalent at Work
“With the workplace being the site of more than half of all identity thefts, HR executives must ‘stop thinking about data protection as solely an IT responsibility,’ says one expert. More education on appropriate handling and protection of information is necessary, among other efforts.”
“ID Thefts Prevalent at Work”, Human Resource Executive, April 5, 2007
The Cost to Businesses
- Employees can take up to 600 hours, mainly during business hours, to restore their identities.
- “If you experience a security breach, 20 percent of your affected customer base will no longer do business with you, 40 percent will consider ending the relationship, and 5 percent will be hiring lawyers!”*
- “When it comes to cleaning up this mess, companies on average spend 1,600 work hours per incident at a cost of $40,000 to $92,000 per victim.”*
*CIO Magazine, The Coming Pandemic, Michael Freidenberg, May 15th, 2006
Our company can assist you in making a reasonable attempt to comply with many of these new laws and at no cost to your business. We may even be able to assist your company in mitigating some of the potential liabilities you may have under these new laws.
1. Appoint an Information Security Officer for your company,
2. Educate your employees by holding the required meetings on privacy and security compliance,
3. Create a mitigation plan,
4. Have and train on your company’s Non-Public Information Policy and follow the policy,
5. Document all "Good Faith" measures and keep in your file as proof of your willingness to comply with these new laws.
Your Company now may have liability if you lose data and are non- compliance with these new laws. Even without a breach your company may be liable for substantial fines and penalties which could have a negative financial impact on your business or company.
FACTA, HIPAA, Gramm Leach Bliley Act, New Jersey Identity Theft Law and various other laws have created bankruptcy level exposure around your company's responsibility to safeguard data.
The FTC Red Flag Rules which was signed into law on Jan 1, 2008, and takes effect June 1, 2010 could make you directly liable for all of the vendors that have access to the sensitive data of your employees and customers.
Identity Theft Prevalent at Work
“With the workplace being the site of more than half of all identity thefts, HR executives must ‘stop thinking about data protection as solely an IT responsibility,’ says one expert. More education on appropriate handling and protection of information is necessary, among other efforts.”
“ID Thefts Prevalent at Work”, Human Resource Executive, April 5, 2007
The Cost to Businesses
- Employees can take up to 600 hours, mainly during business hours, to restore their identities.
- “If you experience a security breach, 20 percent of your affected customer base will no longer do business with you, 40 percent will consider ending the relationship, and 5 percent will be hiring lawyers!”*
- “When it comes to cleaning up this mess, companies on average spend 1,600 work hours per incident at a cost of $40,000 to $92,000 per victim.”*
*CIO Magazine, The Coming Pandemic, Michael Freidenberg, May 15th, 2006
Our company can assist you in making a reasonable attempt to comply with many of these new laws and at no cost to your business. We may even be able to assist your company in mitigating some of the potential liabilities you may have under these new laws.
Internet Based Job Opportunities
1. The Repetition Means Persistence.
The successful and long term ways to make extra money require persistence, which in most cases is the same as the ability to repeat actions several times. Hardly anybody will buy after the first contact. The stats show that about from 5 to 7 contacts, repetitions, are needed before the target person starts to react and to trust you.
2. You Have To Win The Trust Of Your Target Persons.
When you try to find ways to make money online, you can take an example from your own life. Would you buy something from a shopkeeper, who you do not know or have heard about? I doubt.
The nature of the trust is, that a prospect feels that you as a marketer are the kind of a person, who can serve the prospect so, that he can get benefits from your service in a different way.
3. You Have To Assure, That You Have A Long Term Operation.
If your prospect feels that you are again one short term marketer, who just try his luck, he will not commit to your offer. People love online sites, which are long term success stories, which are able to follow the trends, so that they have new content again and again.
A long term online presence means that a marketer knows the tricks how to compete successfully and how to survive and to make money online.
4. Your Major Target Is A Strong Brand.
The major requirement of a strong brand is that it has a promise to you, which gives benefits to your online business and which can stand out from the crowd. Everybody understands that this cannot happen in a short time but requires persistence.
To be able to become strong, a brand needs an ability to grow, i.e. to be able to change again and again. It must also be able to win market share, i.e. to go into the group of the leading players. This is the major commercial target.
To find ways to make money online requires persistence, which is the brother of a strong attitude. If you have these two features, it is a must that you will succeed. You see, all the online marketing tricks are just techniques, but the powerhouse is in your mind. It is a mix of the right attitude and a long term persistence.
The successful and long term ways to make extra money require persistence, which in most cases is the same as the ability to repeat actions several times. Hardly anybody will buy after the first contact. The stats show that about from 5 to 7 contacts, repetitions, are needed before the target person starts to react and to trust you.
2. You Have To Win The Trust Of Your Target Persons.
When you try to find ways to make money online, you can take an example from your own life. Would you buy something from a shopkeeper, who you do not know or have heard about? I doubt.
The nature of the trust is, that a prospect feels that you as a marketer are the kind of a person, who can serve the prospect so, that he can get benefits from your service in a different way.
3. You Have To Assure, That You Have A Long Term Operation.
If your prospect feels that you are again one short term marketer, who just try his luck, he will not commit to your offer. People love online sites, which are long term success stories, which are able to follow the trends, so that they have new content again and again.
A long term online presence means that a marketer knows the tricks how to compete successfully and how to survive and to make money online.
4. Your Major Target Is A Strong Brand.
The major requirement of a strong brand is that it has a promise to you, which gives benefits to your online business and which can stand out from the crowd. Everybody understands that this cannot happen in a short time but requires persistence.
To be able to become strong, a brand needs an ability to grow, i.e. to be able to change again and again. It must also be able to win market share, i.e. to go into the group of the leading players. This is the major commercial target.
To find ways to make money online requires persistence, which is the brother of a strong attitude. If you have these two features, it is a must that you will succeed. You see, all the online marketing tricks are just techniques, but the powerhouse is in your mind. It is a mix of the right attitude and a long term persistence.