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Family Defender™
Best for: Individuals or families seeking everyday protection
Who’s Covered:
Family Coverage: Member, Spouse/Domestic Partner, and unmarried dependents up to age 26.
Individual Coverage: Member only (no dependent coverage)
Monthly cost:
starting at
$14.75/mo
What's Covered:
Civil Litigation
- Plaintiff or Defendant
- Administrative Hearings
- Small Claims
- Name Change
- Landlord/Tenant as Tenant
Consumer-Seller Protection
- Consumer Protection
- Personal Property Protection
Contingency Matters**
- Personal Injury
- Medical Malpractice
Criminal Law
- Misdemeanor Defense
- Juvenile Defense
- Habeas Corpus
Document Preparation & Review
- Demand Letters
- Quit Claim Deeds
- Personal Affidavit
- Promissory Note
- Bill of Sale
- Personal Contract
- Lease Agreement
Estate Planning
- Wills & Testamentary Trusts for Minors
- Codicils
- Powers of Attorney
- Living Will
- Estate Administration/Probate
Family Law (Contested* / Uncontested)+
- Divorce
- Annulments
- Spousal Support
- Paternity Action
- Child Support/Custody
- Post-Decree Enforcement Action
- Post-Decree Modification
- Equitable Distribution of Marital Assets
Family Law (Other)
- Pre/Postnuptial Agreements
- Domestic Adoption
- Domestic Violence
Financial Matters
- Debt Collection
- Garnishment Defense
- IRS Audit Protection
- Foreclosure+
- Ch. 7 & 13 Bankruptcy+
Immigration
- Visa Extension
- Naturalization
- Deportation (Removal)
Other Legal Matters
- Uncontested Guardianship or Conservatorship
- Elder Law for Parents
- Insurance Law
- Standard Business Incorporation
Real Estate Transactions
- Purchase of Primary & Secondary Residence
- Sale of Primary & Secondary Residence
- Refinancing of Primary & Secondary Residence
- Attorney Attendance at Closing
- Review and/or Preparation of Purchase Agreement, Mortgage, and Deed
Traffic Violations
- Moving Traffic Violations
- First Offense DUI
- License Revocation & Suspension
Discounted Benefits
- All other pre-existing or non-covered issues – 33% discounted fees (except excluded issues)
Identity Defender™
Best for: Anyone wanting credit monitoring & fraud alerts
Who’s Covered:
Family Coverage: Member, Spouse/Domestic Partner, and unmarried dependents up to age 26.
Individual Coverage: Member only (no dependent coverage)
Monthly cost starting at (depends on plan selections during enrollment):
$4.00-$9.95/mo
What's Covered
Credit Monitoring
- Instant Credit Inquiry Alerts
- 1 Bureau Credit Report Monitoring
- 1 Bureau Quarterly Credit Report & Score
- Credit Score Simulator
- Monthly Credit Score
- Tracker
- Manage Credit Freeze
Dark Web Monitoring
- Compromised
- Credentials
- Account Takeover
- Address
- Bank Account Number
- Debit Card Account
- Credit Card Account
- Driver’s License
- Medical Insurance ID
- Passport Number
- Phone Number
- Social Security Number
Fraud
- Fraud Alert Reminders
- Identity Threat Alerts
- Medical ID Fraud Protection
- Change of Address Monitoring
- Court Records Monitoring
- Smart SSN Tracker
Recovery
- Lost Wallet Protection
- White-Glove Identity Restoration
- Pre-Existing Theft Restoration
- Ransomware Resolution
- $25K Ransomware Reimbursement
- $1 Million Identity Theft Insurance
Social Media
- Inappropriate Activity
- Hacked Account
- Impersonation Accounts
- Scams, Malware and Phishing
Support
- 24/7 U.S. Customer Support
- Online Resources: Forms, Calculators, and Other Tools
- Junk Mail Opt Out
- Solicitation Call Opt Out
Mobile App
- Two-Factor Authentication
- Apple and Android
- Mobile Attack Control
- Mobile VPN
Total Wellness Suite
Included with Family Defender™ & CDL Defender™
Financial Wellness Suite
- Personalized financial insights and tools
- Private 3–5 minute financial evaluation
- Access to certified financial experts
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Tax Coaching & Preparation
- Telephone consultations for tax-related concerns
- Tax preparation at a reduced rate of $195
- Complimentary review of previous year’s return
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Legal Document Library & DIY Legal Forms
- Available to all members—no additional enrollment required— access through the USL Member Portal
- Access to 10,000+ state-specific legal articles
and documents - Create wills, powers of attorney, bills of sale, and more
Perks Program
- Enjoy perks, rewards, and discounts on 1,000s of brands you love in a variety of categories, including, but not limited to: Travel • Entertainment • Restaurants • Tickets • Electronics • Health & Wellness • Beauty & Spa
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Identity Theft Restoration Program
- Creditor and bureau notification
- Credit file review
- Dedicated case management until resolution
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How to enroll.
Enrollment must take place in the PayCom Portal. If you have any questions regarding PayCom, please contact your Human Resources Department.
Eligibility Requirements for Spouse/Dependents:
For a Spouse [formal marriage or common law], Domestic Partner or Child to be added as a Dependent, their last name must match that of the Policyholder. If your last names do not match, supporting documentation is required to verify eligibility.
- Spouse: Copy of marriage certificate is required.
- Common Law Spouse: State must recognize Common Law Marriage. Additional documentation may be required according to state statutes, which may include but not be limited to copies of joint federal income tax returns, proof of employer provided medical insurance, or other employer provided spousal benefit.
- Domestic Partnership: Proof of State or local jurisdiction registration is required where recognized. In those states where Domestic Partnership is not recognized, proof of employer provided health insurance or other spousal benefits provided by Member’s employer is required.
- Children: Copy of birth certificate is required.
Once you enroll in coverage, you will receive a certificate/plan document(s) describing the exact coverage benefit purchased. This page explains the general purposes of the plans, but in no way changes or affects the plans afforded under the policy/plan issued. All coverage is to be subject to actual policy/plan conditions and exclusions. Not sponsored or approved by the United States Government or any Department or Agency thereof.
Family Defender™ Limitations & Exclusions
*Contested: subject to 12-hour limitation. / **First $1,000 exempt from fee. / +Subject to 120-day waiting period.
Attorney’s fees are paid in full for all covered legal matters when you utilize a Network Attorney. Receive a 33% discount off attorney’s fees for pre-existing and other non-excluded legal matters. Coverage does not include fines, court costs, or other incidentals relating to the legal matter. Out-of-network benefits available.