Find your perfect plan.

Husband and wife in front of home illustration

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:

  • Plaintiff or Defendant
  • Administrative Hearings
  • Small Claims
  • Name Change
  • Landlord/Tenant as Tenant
  • Consumer Protection
  • Personal Property Protection
  • Personal Injury
  • Medical Malpractice
  • Misdemeanor Defense
  • Juvenile Defense
  • Habeas Corpus
  • Demand Letters
  • Quit Claim Deeds
  • Personal Affidavit
  • Promissory Note
  • Bill of Sale
  • Personal Contract
  • Lease Agreement
  • Wills & Testamentary Trusts for Minors
  • Codicils
  • Powers of Attorney
  • Living Will
  • Estate Administration/Probate
  • Divorce
  • Annulments
  • Spousal Support
  • Paternity Action
  • Child Support/Custody
  • Post-Decree Enforcement Action
  • Post-Decree Modification
  • Equitable Distribution of Marital Assets
  • Pre/Postnuptial Agreements
  • Domestic Adoption
  • Domestic Violence
  • Debt Collection
  • Garnishment Defense
  • IRS Audit Protection
  • Foreclosure+
  • Ch. 7 & 13 Bankruptcy+
  • Visa Extension
  • Naturalization
  • Deportation (Removal)
  • Uncontested Guardianship or Conservatorship
  • Elder Law for Parents
  • Insurance Law
  • Standard Business Incorporation
  • 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
  • Moving Traffic Violations
  • First Offense DUI
  • License Revocation & Suspension
  • 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

  • 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
  • Compromised
  • Credentials
  • Account Takeover
  • Address
  • Bank Account Number
  • Debit Card Account
  • Credit Card Account
  • Driver’s License
  • eMail
  • Medical Insurance ID
  • Passport Number
  • Phone Number
  • Social Security Number
  • Fraud Alert Reminders
  • Identity Threat Alerts
  • Medical ID Fraud Protection
  • Change of Address Monitoring
  • Court Records Monitoring
  • Smart SSN Tracker
  • Lost Wallet Protection
  • White-Glove Identity Restoration
  • Pre-Existing Theft Restoration
  • Ransomware Resolution
  • $25K Ransomware Reimbursement
  • $1 Million Identity Theft Insurance
  • Inappropriate Activity
  • Hacked Account
  • Impersonation Accounts
  • Scams, Malware and Phishing
  • 24/7 U.S. Customer Support
  • Online Resources: Forms, Calculators, and Other Tools
  • Junk Mail Opt Out
  • Solicitation Call Opt Out
  • 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

Powered by

Tax Coaching & Preparation
  • Telephone consultations for tax-related concerns
  • Tax preparation at a reduced rate of $195
  • Complimentary review of previous year’s return

Powered by

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

Powered by

Identity Theft Restoration Program
  • Creditor and bureau notification
  • Credit file review
  • Dedicated case management until resolution

Powered by

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.

*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.