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Legal - Frequently
Asked Questions
How do I find out if I'm eligible to use the
Legal Plan?
You
may call the Administrative Office at (907) 276-1246 and request a Legal
Representative to confirm your eligibility. Please see
Who’s Eligible for an overview of
eligibility or Part C – Eligibility Rules of the
Summary Plan Description for detailed
explanation.
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Can my spouse or children use the Legal Plan?
Yes, the
Plan covers personal legal expenses for you, your spouse, or a
qualifying dependent child. See
Who’s Eligible for an overview of eligibility or Part C –
Eligibility Rules of the
Summary Plan
Description for detailed
explanation.
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I need to have a will prepared, is this covered
by the Plan?
Yes.
Will
preparation and estate planning are covered matters.
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Why are there exclusions from Plan benefits?
To remain as
a qualified plan under the Internal Revenue Code, the Legal Plan may
only provide legal services for your personal legal affairs and
those of your immediate family. Business ventures, for example
are excluded from coverage. An overview of other exclusions are listed at
What's Covered section of
Legal Plan main page. Please review the Exclusion Section of
the
Summary Plan Description for a detailed
listing of exclusions.
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What forms do I need to fill out?
The
participant will need to complete the
Participant’s Statement
form in order to process a legal claim. A participating attorney
will have the
Attorney’s Intake
form the attorney needs to fill out. Should you retain a
non-participating attorney, you must contact the Administrative Office before your
appointment to request the necessary documents be forwarded to your
attorney. The Administrative Office will also contact your attorney
to pre-authorize the case.
Remember - a billing
must be received by the Administrative Office within 1 year from the date of
service!!
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How long do I have to
file a claim?
A claim must be
submitted to the Administrative Office within 1 year from the actual
date the services were provided or costs incurred. Billings
submitted after the 1 year time period will not be paid. See
the
Summary Plan Description for further
information.
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I have a case open now, how long will the Plan cover
my case if my coverage terminates?
The Plan will pay for covered charges incurred the month
following the month your coverage terminates, providing the case was
open during a month you had coverage. For example, John had
his attorney begin drafting a will on September 5, 2002, when John
had coverage. His coverage ended September 30, 2002. The
Plan will pay for John's covered charges incurred through
October 31, 2002. Usual
Plan benefit calculations, claims filing procedures, and exclusions
for benefits are applied to the October covered charges. See
the Extended Benefits section of the
Summary Plan Description for further information.
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Can I continue my coverage if I terminate my
employment?
Yes.
If your coverage ceased due to termination of employment or
reduction in hours, the Administrative Office will send a
termination notice. Coverage can be continued for up to 18 months
following the last month you were eligible. In the event of
your death, your spouse may continue coverage. As of January 1, 2001,
retirees may continue their coverage under the retiree provision if
they meet the eligibility requirements. See the
Summary Plan Description for further
information.
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