Table of Contents

FLORIDA ROCK AND TANK LINES

CDL Defender®

Protect your license and your livelihood
Who is Covered?

Driver and spouse are covered in both their personal cars and professional vehicles.

Covered citations include, but are not limited to:
  • Speeding
  • Reckless Driving
  • Careless Driving
  • Improper Lane Use
  • Failure to Control
  • Failure to Yield
  • Following Too Closely
  • Improper Passing
  • Negligent Driving
  • Major Accident Representation
  • Incomplete Logbook
  • Inaccurate Logbook
  • Exceeding Hours of Service
  • Driver Vehicle Inspection Reports
  • Inoperative Headlamps
  • Inadequate Brake System
  • Overlength
  • Overweight
  • Tire Tread
  • Unsecure Load
  • Windshield Conditions
  • Invalid Placard
  • Container Leakage
  • No Medical Card
  • Driver Disqualified
  • Driving Without CDL
  • Divorce
  • Child Support or Custody Issues
  • Creating a Will
  • Wage Garnishment
  • Bankruptcy
  • Immigration
  • Misdemeanors and Expungement
  • And Much More
  • DataQ Challenges
  • Online Legal Library
  • DIY Legal Forms
  • 24/7 Emergency Line
  • Identity Theft Restoration Program
  • Financial Wellness Suite
  • Discounted Tax Preparation
  • Mobile App

*Driver, spouse, and dependent children up to age 18, 23 if a full-time student, receive a consultation and 33.3% discount off attorney’s fees for non-CDL, personal legal matters. Pre-existing and non-covered, non-excluded CDL matters also covered at the 33.3% discounted rate.

Attorney’s fees are paid in full for all covered citations when you utilize a Network Attorney. Coverage does not include fines, court costs, or other incidentals relating to the legal matter. Out-of-network benefits available.

Family Defender®

Say 'No' to Expensive Attorney Fees With the Family Defender®
Who is Covered?

Member, Spouse/Partner, and unmarried dependents up to age 26 are covered for all their personal legal needs.

Covered legal services include, but are not limited to:
  • Plaintiff or Defendant
  • Administrative Hearings
  • Trial Coverage up to $15,000
  • Small Claims
  • Name Change
  • Civil Injunctions
  • Landlord/Tenant Matters as Tenant
  • Uncontested Divorce
  • Contested Divorce
  • Annulments
  • Spousal Support
  • Paternity Action
  • Child Support/Custody
  • Post-Decree Enforcement Action
  • Post-Decree Modification Action
  • Equitable Distribution of Marital Assets
  • Pre/Postnuptial Agreements
  • Domestic Adoption
  • Domestic Violence
  • Elder Law Matters
  • Visa Extension
  • Naturalization
  • Deportation (Removal)
  • Moving Traffic Violations
  • First Offense DUI
  • License Revocation & Suspension
  • Review and/or Preparation of Purchase Agreement, Mortgage, and Deed
  • Purchase of Primary Residence
  • Sale of Primary Residence
  • Refinancing of Primary Residence
  • Attorney Attendance at Closing
  • Real Estate Disputes
  • Neighbor Disputes
  • QDRO – $400 flat rate discounted fee paid by Member
  • All other Non-Covered Matters – 33 1⁄3 % discounted fees
  • Online Legal Library
  • DIY Legal Documents
  • 24/7 Emergency Line
  • Identity Theft Restoration Program
  • Financial Coaching
  • Tax Coaching
  • Discounted Tax Return Preparation
  • Mobile App
  • Misdemeanor Defense
  • Juvenile Defense
  • Habeas Corpus
  • Trial Coverage up to $15,000
  • Living Will
  • Powers of Attorney
  • Wills & Testamentary Trusts for Minors
  • Codicils
  • Estate Administration/Probate
  • Uncontested Guardianship or Conservatorship
  • Debt Collection
  • Garnishment Defense
  • IRS Audit Protection
  • Foreclosure+
  • Limiting Creditor Harassment
  • Ch. 7 & 13 Bankruptcy+
  • Consumer Protection Matters
  • Personal Property Protection
  • Trial Coverage up to $15,000
  • Personal Injury
  • Auto Accidents
  • Slip and Fall
  • Medical Malpractice
  • Demand Letters
  • Quit Claim Deeds
  • Personal Affidavit
  • Promissory Note
  • Bill of Sale
  • Personal Contract
  • Lease Agreement
  • Insurance Law
  • Standard Business Incorporation

*Contested matters subject to 12-hour limitation, discount thereafter.

**First $1,000 exempt from fee. Subject to State and Federal Statutes.

+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 33.3% 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.

Financial Wellness Suite

Benefit offered to Family Defender® and CDL Defender® Members
Now powered by
Best Money Moves is an award-winning financial wellness platform that works with your legal plan to help you make better decisions about your money.
Your personal Money Coach works directly with you on the following:
  • Personal Tax Return Preparation (State and Federal tax form preparation for $195)
  • Unlimited telephone and email advice and consultation on federal tax matters
  • Free review of your prior year’s tax return
  • Professional, unbiased, confidential, trustworthy
  • Certified experts in budgeting, debt management, financial planning, and more
  • No sales environment – focus on helping you with financial goals, challenges, and life events
  • Help increase savings, lower debts, improve credit, and decrease financial stress
  • Telephonic consultations to save you time and money
  • 3-5 minute comprehensive financial wellness assessment
  • Book a telephone or Zoom meeting with a financial professional to review your assessment, questions and concerns
  • Review tailored education based on your individual assessment plus, group webinars hosted and other educational opportunities
  • Financial planning resources for major life events including, income, investment, tax, healthcare, legacy and estate, and retirement planning
  • 1,000+ pieces of written and video content
  • Interactive journeys, tools and calculators
  • Budgeting module that helps you set savings goals
  • Webinars with money experts let you ask your questions

Your Financial Wellness Suite Dashboard

The Best Money Moves interactive dashboard makes it easier than ever to help you on your journey to financial freedom.
  • Easily access with single sign on (SSO) through your USL Member Portal
  • Confidential online interaction with your Financial Crisis Manager
  • Privacy Promise – personal information is NEVER shared or sold
  • Track your financial well-being score over time and review personalized content, resources, and tools based on your unique interactions within the dashboard

Identity Defender®

Protect your Money and Your Reputation with Identity Defender®
Powered by

The Identity Theft Embedded Enhanced Fully Managed Program is a confidential and easily accessible service that provides an administrative structure for dealing with identity theft. By simply contacting Member Care, each member has access to fully managed identity theft restoration and monitoring services that will be supported as necessary by a Certified Fraud Examiner (CFE) and a Certified Identity Theft Risk Management Specialist.

Who is Covered?

Member, Spouse/Partner, and unmarried dependents up to age 26 are covered for all their identity theft needs.

Covered services include, but are not limited to:
  • 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
  • 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
  • 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
  • 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

Plans & Pricing

CDL Defender®

$32.95 per employee per month

Family Defender®

$18.75 per employee per month

Identity Defender®

$12.95 per employee per month
(or $9.95 if you enroll in a CDL or Family Defender® plan)

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.

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