Benefit Programs

Basic Life Insurance
$5,000 Accidental Death Basic
Legal Defense Fund
Legal Program
Vision
CCPOA Medical Plan
Dental
Accidental Death & Dismemberment
Combined
Disability Benefit Plan
Piggyback
Supplemental Term Life

 

 


U.S. Legal - Family Protector Program

Retired

U.S. Legal Services is one of the oldest providers of legal program benefits in the nation. Established almost 40 years ago, U.S. Legal Services is recognized for providing full service, full indemnity legal programs for you and your immediate family members.

U.S. Legal has attorneys throughout the nation. U.S. Legal has over 7,800 law firms and over 20,000 contracted attorneys, and more than 700 law firms in California. Finally, a legal program that acts like you expect it to! For many cases, 100% of your legal fees are paid.

In California, US Legal is partnered with CLC Incorporated, headquartered in Granite Bay, California.  CLC is a leader in providing legal and financial programs and serves over 28 million households.

How do you reach US Legal?

Toll free, dedicated CCPOA Member line: 1-888-724-2325

When you call you will be matched with an appropriate attorney for your location and legal issue.
Customer Service – Monday-Friday – 6 a.m. to 5 p.m. PST
Financial Coaches – Monday-Friday 6 a.m. – 8 p.m. PST
After Hours Service – Weekends and Monday-Friday
After Hours Emergency assistance available – Staff members are always on call.

USL Benefit Highlights

The Family Protector – The Family Protector legal program is designed specifically for you and your immediate family members. A variety of covered legal services are available, including: uncontested divorce, child support and custody, traffic violations, debt, lawsuits and more.

Advice and Consultation – Office and/or telephone legal consultation with law firm on covered personal legal problems. U.S. Legal Services pays 100% of attorney’s fees for covered legal issues.

Consumer protection law – You are covered for consultation in disputes of the purchase of products or services, filing of lawsuits, and representation through trial about services or products you have purchased. U.S. Legal Services pays 100% of attorney’s fees*

Civil Actions – Plaintiff or Defendant – as a plaintiff, representation is provided up to and including trial for all civil cases where there is a legitimate cause of action. U.S. Legal Services will provide you representation up to and through trial if you are a defendant, and serve as a secondary coverage if you have other coverage such as auto liability or homeowner’s insurance.**

Criminal Matters – program members are covered for defense of any criminal misdemeanor charge. Representation may include court hearings, negotiation with the prosecutor and trial.**

Document Preparation and Review:

    • Demand Letters – free preparation of letters that demand money, property or some property interest of the program member, except excluded services. Includes mailing to addressee and forwarding and explaining responses to program member.
    • Document Review – free document review of letters, leases or purchase agreements.
    • DIY Legal Form Document Preparation – simple online process to complete free legal documents at home.

Estate programming – Estate Administration and programming Wills with Simple Trusts, Living Wills, Durable Powers of Attorney, Wills and Codicil (including Simple Support Trust for Minor Children). Designation of Health Care Surrogate, Free Online Will Preparation, Powers of Attorney – for program member or spouse granting the power.

Family Law:

    • Adoption and Legitimization – covers all legal services and court work in state court for adoption for program member and spouse.
    • Divorce: available for program member only (spouse and dependents not covered), and covered for uncontested divorce. Free consultation, preparation and filing of pleading and affidavits, drafting settlement agreements and representation at uncontested hearing for divorce. If divorce is contested, program member coverage is a 25% discount of network attorney’s normal hourly rate.
    • Enforcement or modification of support order: available for program member and spouse, covers representation after judgment has been entered to enforce or modify court’s award of alimony.
    • Enforcement or modification of a child support order: available for program member or spouse, covers representation after judgment has been entered to enforce or modify a court’s award of child support or custody.
    • Guardianship or Conservatorship: service covers establishing an uncontested guardianship or conservatorship over a person and his or her estate when program member or spouse is appointed guardian or conservator.
    • Name Change: program member covered for all necessary pleadings and court hearings for a legal name change.

Insurance Law – Representation for non-payment of claims for losses incurred by the program member under a policy issued to the member.

Real Estate Transactions – Covers program members with legal assistance with the sale or purchase of a family dwelling to be used by program member as a dwelling place.

    • Purchase
    • Refinance
    • Home Equity

Landlord/Tenant Law – Covers legal disputes as a defendant with landlord involving the occupancy of your primary residence, including eviction defense.

Traffic Violations – Representation for non-criminal moving traffic violations.

Financial Matters – Debt Collection. Provides program members with attorney services for negotiation with creditors for a repayment schedule, including representation in defense of action for personal debt collection, tax agency debt collection, foreclosure, repossession or garnishment, up to and including trial.**

Identity Theft Defense – Consultations with an attorney regarding potential creditor actions resulting from identity theft and attorney services as needed to contact creditors, bureaus and financial institutions.

Identity Theft Protection

    • Certified Fraud Resolution Specialists
    • ID Theft Manager

Personal Bankruptcy – Covers program member and spouse in pre-bankruptcy programming, preparation and filing or personal bankruptcy or wage earner preparation, court and hearing representation.

Juvenile Matters – Covers defense of program member and dependent child in any juvenile court matter, unless there is a conflict of interest between program member and child.**

Immigration – Coverage includes: Visa Extensions, Naturalization, Deportation (a.k.a. Removal) Non-covered immigration matters provided at 25% of attorney’s normal hourly rate.

Business Law – Preparation of legal documents for formation of one corporation, partnership or other business entity per year.

Tax and Financial Wellness – Monthly financial classes. Monthly Webinar Financial education classes. Topics include spending programs, debt management, credit tips, mortgage, retirement, tax programming and more. Monthly Financial and ID Theft Tips Personal website access – unlimited access to private website with access to financial tools, resources and information, thousands of self-help documents, a suite of estate programming documents and email access to your Money Coach for help in reaching your financial goals Financial Coaching with certified credit counselors.

Tax Preparation – Tax Hotline Personal Tax return preparation Advice and consultation on Federal matters. Free review of prior year’s returns.

 

*Does not include disputes over real estate, construction, insurance or collection activities after a judgment.
**Trial supplement. In addition to fees indicated for trials, we will pay one half of the attorney’s hourly rate for representation in trial beyond the second day of trial for a maximum of $800 per day up to $15,000 total trial supplement maximum.

What Does It Cost?

The Family Protector Program, administered through U.S. Legal Services is only $13.99 monthly for Retired members.

Retired members enjoy the same Legal Program benefits as Active members!

 

Important Tips to Help You Use Your
U.S. Legal Services Program

Attorney Assignment
Attorneys are designated based on your location, needs or request. If you need an attorney more conveniently located to you or for other reasons, please call 1-888-724-2325 to determine availability and designation.

Telephone Consultation with Your Attorney
Remember that your attorney is a busy professional. He or she may not be able to take your call immediately. Ask to speak to the attorney’s assistant and tell them that it is your desire to speak to the attorney personally about a legal matter and that you are a member of the U.S. Legal Services program. Inform that person if you believe your matter can be handled with a telephone consultation with the attorney.

Attorney’s Returning Your Calls
It is important that you leave telephone numbers and the approximate times that you may be reached at those numbers and the attorney should be able to reach you within 24 – 48 hours, or the attorney will have one of their support staff contact you within the above mentioned time frame. This is important as most attorneys set aside certain times of the day to return telephone calls due to court appearances and office appointments.

Making Office Appointments
If you desire to make an appointment with your attorney, simply call the attorney’s office and speak to his or her secretary and tell them that you are a member of U.S. Legal Services and that you desire an appointment for a consultation concerning a legal or personal matter. Tell the assistant the times that you are available for an appointment and agree upon a mutually convenient time. Most office appointments can be scheduled within 72 hours, although there can be some exceptions.

Emergency Calls to Your Attorney
If you feel that your problem is of an emergency nature, inform the staffer of that and briefly describe the nature of the matter and why it is an emergency. The attorney’s support staff can recognize different needs and make arrangements for you to speak to the attorney or schedule you an appointment.

Attorney Contact During Case
If your attorney is representing you in a civil or criminal proceeding and you wish to be kept informed on a regular basis as to the progress of your case, ask the attorney to keep you updated as to such progress either verbally or in writing at least every 30 days.

Court Appearances
If you learn you are to appear in court, please contact the attorney as soon as you receive any information to be sure the attorney’s calendar provides for such an appearance.