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Legal Presentation 2009

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Transcript

  • 1. FLEXIBLE BENEFITS 2009
  • 2. LEGAL GE SIGNATURE LEGALCARE
  • 3. LEGAL INSURANCE DID YOU KNOW?
      • Workers are 3 times more likely to be involved in a legal dispute than to be admitted to a hospital
      • 88% of workers experience at least one legal event in a year
      • 56% of workers experience a legal event for personal property issues ( e.g. refinancing a home; buying a car )
      • 32% have personal disputes ( e.g. traffic tickets )
  • 4. LEGAL INSURANCE DID YOU KNOW?
      • Most frequently used benefits by State of Georgia participants in 2007
        • Wills & Trusts
        • Debt Collection Defense
        • Matrimonial Matters
        • Real Estate Matters
        • Document Preparation
      • No waiting period for participants to enroll
  • 5. LEGAL INSURANCE LEGAL
      • Use In-Network or Non-Network Attorney
        • In-Network: Attorney has agreed to set rates for each covered service
        • Non-Network: Attorney’s fees are paid by schedule of benefits. Employee pays the difference
  • 6. LEGAL INSURANCE IN-NETWORK ATTORNEY FACTS
      • Participating attorneys average 22 years of experience
      • 59% of participating attorneys graduated from top 100 U.S. law schools
      • Nationwide network of extensively credentialed attorneys
  • 7. LEGAL INSURANCE LEGAL
      • Telephone Legal Services
        • Unlimited toll-free advice about personal legal matters
        • Document review and correspondence to third parties
        • Follow-up calls
  • 8. LEGAL INSURANCE PERSONAL LAW CENTER
      • Online Legal Services
        • Members are able to research, educate themselves, and take action on everyday legal issues
        • Access to plain-English and easy-to-use legal information, explanations, and legal tools
  • 9. LEGAL INSURANCE PERSONAL LAW CENTER
      • Website: www.signaturelegalcare.com
        • Select State of Georgia from drop down box
        • Group policy number: 43215
  • 10. LEGAL INSURANCE CONTINGENT FEES
      • For any matter not otherwise covered by the Plan and a Participating Attorney elects to provide this benefit will normally charge a contingent fee
      • Common for personal injury claims and other matters for which a Covered Person as a plaintiff anticipates being paid or awarded a large sum of money
  • 11. LEGAL INSURANCE CONTINGENT FEES
      • The Participating Attorney will charge no more than the following maximum percentages:
        • 25% for all activities up to and including initial trial or settlement (including consultant & review)
        • 30% for all activities relating to the appeal of an initial judgment (including appellate hearing & settlement)
      • These limits apply to the normal Participating Attorney’s fees only, not to other cost not normally included. Plan exclusions apply
  • 12. LEGAL INSURANCE LIST OF COVERED SERVICES
      • Administrative Hearings
      • Adoptions
      • Attorney Office Work
      • Child Custody/Child Support
      • Consumer Protection
      • Debt Collection Defense
      • Defendant Civil Action Benefit
      • Document Review and Preparation
      • Estate Administration and Estate Closing
      • Eviction Defense
      • Guardianship/Conservatorship
      • Immigration/Naturalization
      • Internal Revenue Service Audit
      • Juvenile Court Proceeding
      • Matrimonial Matters
      • Name Change
      • Real Estate Matters
      • Traffic Charges
      • Wills and Trusts
  • 13. LEGAL INSURANCE EXCLUSIONS
      • Business Ventures: “Activity which produces or designed to produce revenue”
      • Preparing or filing income tax returns
      • Worker’s Compensation Law or Unemployment matters
      • Administrative hearings, consultations, and civil and criminal legal actions, any part of which: (a) involve the State of Georgia, either as plaintiff or defendant, or any of its agencies or departments, or any of its insurers, or (b) relate to your employment
      • Services to a spouse or dependent against the plan Participant
      • Charges for services involving defense of child support recovery or defense of driving under the influence of alcohol or drugs
      • Fines, title insurance costs, court costs, court appointed attorneys, filing fees, subpoenas, assessments, penalties, expert witness fees, and other related expenses (e.g., facsimile, copy expense, postage, long distance phone charges, mileage, etc.)
    For the complete list, please refer to the Summary Plan Document
  • 14. LEGAL INSURANCE CLAIM FORMS Located in the “Forms” section on Team Georgia
  • 15. LEGAL INSURANCE CLAIM FORM SUBMISSION
      • Mailing address:
      • Signature LegalCare
      • P.O. Box 8130
      • Fort Washington, PA 19034
  • 16. BENEFIT OPTIONS AFTER RETIREMENT
  • 17. LEGAL INSURANCE LEGAL
      • Limited to the duration of the Plan Year in which you terminate
      • Billed directly by the carrier (GE Signature)
      • Premium remains the same
  • 18. LEGAL INSURANCE SPA CONTACT INFORMATION
      • Agency’s website: www.spa.ga.gov
      • Information Regarding Flexible Benefits: http://team.georgia.gov/portal/site/FLEX
      • Phone Numbers
        • Local: 404-656-2730
        • Toll Free: 1-888-968-0490
  • 19.