Introduction plan overview

Veritas Legal Plan was established to provide personal legal services for consumers and business owners enrolled in a debt relief program. Working with the nation’s top Credit Repair, Debt Settlement, Debt Management, IRS Tax Resolution, Student Loan Consolidation, Payday Loan Negotiation and Unions, the Plan provides affordable legal services for a low monthly payment.

This summary provides general information about the Plan, who is eligible to receive benefits under the Plan, what those benefits are, how to obtain benefits and what your rights under ERISA are. If you have any questions that are not answered, please contact the Customer Service Department.

The services will be provided through a panel of carefully selected Participating Law Firms. Lawyers in this network are called Plan Attorneys. These arrangements are described in detail in this summary.

You may also call Veritas Legal Plan Customer Service Center at 877-745-5006
Monday – Friday 9 a.m. to 5 p.m., Eastern Time.

What services are covered?

Debt Matters
Creditor Lawsuit Defense
Credit Monitoring
Identity Theft Defense
Consumer Protection Defense
IRS Tax Audits
Chapter 7 & 13 Bankruptcy
(IUI) Involuntary Unemployment Insurance

Family Matters
Adoption
Domestic Violence Protection
Guardianship (Uncontested)
Name Change
Prenuptial Agreement

Immigration
Immigration Assistance

Wills
Living Wills & Trusts
Powers of Attorney

Real Estate Matters
Boundary or Title Disputes
Eviction and Tenant Problems
Home Equity Loans
Property Tax Assessment
Home Sale, Purchase or Refinancing
Security Deposit Assistance

Personal / Traffic & Criminal Matters
Small Claims Assistance
Civil Litigation Defense
Juvenile Court Defense
Personal Property Protection
Restoration of Driving Privileges
Traffic Ticket Defense (excludes DUI)

Document Review & Preparation
Affidavits, Deeds Demand Letters
Elder Law Matters
Review of Personal Legal Documents

Exclusions

Excluded services are those legal services that are not provided under the plan. No services (not even a consultation) can be provided for the following matters:

• Creditors that are a part of any pending or ongoing litigation initiated within 14 days of the 1st payment receipt
• Secured Loans – i.e., Auto, Home Mortgage
• Government Backed Student Loans
• Matters involving the Veritas Legal Plan, affiliates or plan attorneys
• Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents
• Appeals and class actions
• Frivolous or unethical matters
• Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits

Third party costs such as filing fees, court costs and other costs are not covered under the Legal Plan. Veritas Legal Plan reserves the right to exclude any listed creditor that does not qualify under the terms of this agreement. Veritas Legal Plan considers a matter to be “initiated” on the date the court time-stamps the complaint for filing with the court.

Eligibility

Eligible dependents include your:
• Spouse
• Consumer or Business Debt
• Same Sex Domestic Partner
• Co-Signers on Enrolled Accounts

Out of network attorney:

If you choose, you may select your own attorney provided they agree to the Veritas set fee schedule. Veritas Legal Plan will reimburse you for these non-Plan attorneys’ fees in accordance with a set fee schedule. For services to be covered, you or your eligible dependents must have obtained a Case Number, retained an attorney and the attorney must begin work on the covered legal matter while you are an eligible member of the legal plan.

When coverage begins

Generally, Plan coverage becomes effective 14 days after first payment is received, (date payment clears).

Plan confidentiality, ethics and independent judgment

Your use of the Plan and the legal services is confidential. The Plan Attorney will maintain strict confidentiality of the traditional lawyer-client relationship. Plan administrators will have access only to limited statistical information needed for orderly administration of the Plan.

No one will interfere with your Plan Attorney’s independent exercise of professional judgment when representing you. All attorneys’ services provided under the Plan are subject to ethical rules established by the courts for lawyers. The attorney will adhere to the rules of the Plan and he or she will not receive any further instructions, direction or interference from anyone else connected with the Plan. The attorney’s obligations are exclusively to you. The attorney’s relationship is exclusively with you. Veritas Legal Plan, Inc., or the law firm providing services under the Plan is responsible for all services provided by their attorneys. You should understand that the Plan has no liability for the conduct of any Plan Attorney. You have the right to file a complaint with the State Bar concerning attorney conduct pursuant to the Plan. You have the right to retain, at your own expense, any attorney authorized to practice law in your state.

Denial of benefits and appeal procedure

Denials of Coverage

If you are denied coverage by Veritas Legal Plans or by any Plan Attorney, you may appeal by sending a letter to:

Veritas Legal Plans, Inc. Director of Administration
639 E. Ocean Ave
Suite 103
Boynton Beach, FL 33435

The Director will issue Veritas Legal Plans’ final determination within 60 days of receiving your letter. This determination will include the reasons for the denial with reference to the specific Plan provisions on which the denial is based and a description of any additional information that might cause Veritas Legal Plans to reconsider the decision. An explanation of the review procedure and notice of the right to bring a civil action under Section 502(a) of ERISA.

Your erisa rights

Congress enacted the Employee Retirement Income Security Act (ERISA) to safeguard your interests and those of your beneficiaries under your employee benefit plans. As a participant in the Veritas Legal Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all Plan participants shall be entitled to:

Examine, without charge, at the Plan Administrator’s office and at other specified locations, all Plan documents, including collective bargaining agreements and copies of all documents filed by the Plan with U.S. Department of Labor; such as detailed annual reports and Plan descriptions; obtain copies of all Plan documents and other Plan information upon written request to the Plan Administrator. The Administrator may make a reasonable charge for the copies; receive a summary of the Plan’s annual financial report from the Plan Administrator who is required by law to furnish this to you. In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit Plan. The people who operate your Plan, called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA. If your claim for a welfare benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan review and consider your claim. Under ERISA, there are steps you can take to enforce the above rights. If you request materials from the Plan and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Administrator. If you have a claim for benefits that is denied or ignored, in whole or in part, you may file suit in a state or federal court. If it should happen that Plan fiduciaries misuse the Plan’s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you lose, the court may order you to pay these costs and fees, for example if it finds your claim is frivolous. If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest area office of the Pension and Welfare Benefits Administration or the Division of Technical Assistance, U.S. Department of Labor, listed in your telephone directory, or at 200 Constitution Avenue, NW, Washington, DC. 20210 or you can call the publications hotline of the Pension and Welfare Benefits Administration.