With advanced monitoring, expert help, and comprehensive identity theft insurance, we protect your identity from all threats.

Your Plan Includes:

• Dark Web Monitoring: Real-time alerts for suspicious activity.
• $1 Million Identity Theft Insurance: Reimbursement for legal fees, lost wages, and more.*
• Award-Winning Restoration Experts: Our specialists will work tirelessly to restore your good name in case of identity theft.
• Change of Address Alerts: Track changes fraudulently made to your address.
• Checking Account Monitoring: Protect your finances from unauthorized activity.
• Wallet Replacement: Get help replacing your lost or stolen wallet.
• Expert Dispute Support: Get help fighting inaccuracies on your credit report with all three major credit bureaus.
• Financial Coaching: Get expert guidance on debt and budget management.
• Opt-Out IQ: Keep solicitations away by using the "Do-Not-Mail" and "Do-Not-Call" lists.
• Educational Resources: Learn best practices with articles in our IQ Center.
• Discounted Reports & Scores: Save money on additional credit reports and scores.

Don't be a victim of identity theft. IdentityIQ is here to protect you.

Protect your personal information from the ever-growing threats of identity theft. Billions of records with personal information are exposed every year - information like your Social Security number, passwords, account numbers, name, and more.

It takes less than five minutes for a criminal to open a new account in your name with basic information.

*Underwritten by AIG
Terms and Conditions apply.

In today's litigious business climate, most small business owners will find themselves requiring the services of an attorney on a regular basis. When drawing up a buy-sell agreement, reviewing a lease or collecting funds, it is imperative that a business owner seek the advice of a licensed professional.

Most business owners try to avoid the high cost of legal care by utilizing the self-help approach. This leads to costly mistakes that can be financially devastating down the road. Small Business Legal Plan members have access to a nationwide network of pre-qualified attorneys who are contracted to provide free and discounted legal care. Members can save thousands of dollars each year and avoid the pitfalls of self-help legal care.

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• Unlimited initial phone consultation during business hours for new legal matters
• Attorney review as many as 5 independent documents each quarter (10 page maximum each)
• When appropriate, plan attorneys will make an initial phone call on behalf of the business (2 per month).
• When appropriate, plan attorneys will write an initial letter on behalf of the business (3 per month for new subjects).
• Initial collection letters (10 per quarter)
• One initial face to face consultation for each new legal matter (30 minutes maximum)

NOTE: In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free legal services.

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Plan attorneys will provide extended legal care at the reduced hourly rate of $125.00 or 40% off attorney’s usual and customary hourly rate, whichever is greater. In most cases, attorneys can accurately estimate the hours for any given case.

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Attorneys often work on a contingency fee basis on cases such as personal injury and collections. This fee is usually expressed as a percentage of the amount collected or awarded. In collection matters, attorneys will accept 18% if the case is settled before formal court proceedings begin. After proceedings begin, the fee is 27%. On all other contingency matters, there is a 10% discount on the lower of either the state maximum or the attorney's standard rate.

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In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan rate. For instance; 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to you.

*Court costs, filing fees and time charged for travel to and from any courts are additional.

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To utilize any of the following services, simply call the phone number listed on your membership website small business legal page  After providing the customer service representative with your name, membership or case number, and the type of legal matter you have, you will be provided with the toll-free number to contact to obtain the name, address, and telephone number of an attorney who can assist you with your legal matter.

Matters involving disputes or actions between members and small business legal plan or its plan sponsors, agents or their officers, directors, or employees are specifically excluded from eligibility of this plan. Court costs, filing fees, and travel to and from any courts are excluded from discounted rates under any of the discounted pricing described in this fee schedule.

Turn to Complete Benefits Plan for the comprehensive business and personal tax benefits you and your small business need. Save yourself the time and aggravation. We offer free tax return preparation and unlimited, toll-free tax-related advice. Our small business owners can access the most commonly used tax-related services free of charge or at a significantly discounted rate. Plus, we’re so confident in the quality of our counsel, that all tax and financial advice is backed by a $1 million liability policy!

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Tax laws are becoming increasingly complicated and you have important questions about changes in government regulations, capital gains, credits. and deductions. Where can you turn? Rates for professional advice can be prohibitive, and talking to the IRS can be frustrating. To avoid making costly errors, you need answers you can trust.

All tax and financial assistance is provided by tax attorneys, financial analysts and tax professionals. This team of professionals is ready to answer your tax questions in a confidential and secure environment.

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Small Business Benefits:

• All tax and financial assistance is provided by tax professionals. 
• All tax and financial advice is backed by a $1 million liability policy. 
• Professionals will review the prior year’s tax return. 
• Unlimited advice on Federal Taxation for Small Business Owners (sole proprietors). 
• Unlimited, year-round tax assistance from tax professionals for business and personal tax needs (no time or frequency limitations). 
• Free tax return preparation for basic tax forms 1040EZ, 1040A and1040. In the event the member has more than a basic return and tax schedules are required, the fee for tax preparation shall be: $50.00 for each federal return, $50.00 for each state return, if applicable, and $50.00 for each local return, if applicable. This price for tax preparation is limited to returns that include Form 1040, Schedule A, Schedule B with 15 or fewer entries and Schedule D with 15 or fewer entries. Any return with additional Schedules, or Schedules that have more than 15 entries in Schedules B or D, shall be prepared and billed at a rate of $60.00 per hour. 
• Tax professionals will review any notice or letter issued by the IRS and provide advice on how to understand and solve the matter. 
• Advice RE an IRS notification. 
• Tax planning. 
• Tax tips. 

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• Unlimited advice on federal taxation via toll-free phone call/fax/email.
• Free tax return preparation for basic tax forms 1040EZ, 1040A and 1040. In the event the member has more than a basic return and tax schedules are required, the fee for tax preparation shall be: $50.00 for each federal return, $50.00 for each state return, if applicable, and $50.00 for each local return, if applicable. This price for tax preparation is limited to returns that include Form 1040, Schedule A, Schedule B with 15 or fewer entries, Schedule D with 15 or fewer entries. Any return with additional Schedules, or that have more than 15 entries in Schedules B or D, shall be prepared and billed at a rate of $60.00 per hour.
• Savings on the preparation of numerous tax schedules.
• Advice re an IRS audit.
• Advice re an IRS notification.
• Tax planning.
• Review of prior year's tax return.

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With today's tax software programs, users need more than just help screens. The Tax Hotline steps in with tax advice tailored specifically to an individual's unique situation. Live, one-on-one, direct answers to members' tax questions right over the phone. When pop-up screens just aren't popping up with the right answer, Tax Hotline experts are a phone call away with reliable advice.

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Let Complete Benefits Plan review your prior year's tax return for free. This review can reveal costly errors and generate a source of extra tax savings!

• Should I open a Roth IRA?
• How does capital gains tax work?
• Is the money I inherited taxable?
• Which tax form should I file?
• Is my Social Security or retirement taxable?
• Do I get a tax break for childcare expenses?
• Should I itemize deductions?
• Which deductions can I take if I have a home-based business?

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• Individual retirement accounts, Roth IRAs, 401k plans, SEPs
• Healthcare spending accounts
• Investment timing and strategies
• Capital gains
• Real estate timing and strategies
• Divorce
• Inheritance
• Retirement planning

*Complete Benefits Plan is pleased to have your tax questions answered and your tax forms completed based upon the information you provide. Inadequate or incorrect information provided by the member to the tax professionals may lead to an incorrect answer for which the plan administrator and Complete Benefits Plan cannot be held responsible. The plan administrator makes every effort to keep its tax professionals abreast of changes in tax law but is not responsible for inconsistent interpretations of the tax code by the IRS and/or tax courts regarding specific matters. All benefits are available to the individual enrolled and his/her dependents as defined by the most current IRS code. The plan administrator, not Complete Benefits Plan, assumes all liability and responsibility for the provision of, or failure to provide the stated products, services and benefits. Complete Benefits Plan's liability is limited to the amount of actual membership fees paid by a member for access to the tax program.

* Some limitations apply regarding  limitations of forms to be completed.

When you or a family member has a legal concern, wouldn’t it be great to just pick up the phone, and not have to worry about the cost? Well now you can do just that! With access to a nationwide network of plan attorneys, you, your spouse, and eligible dependents* can call any time during normal business hours (8:00 AM to 8:00 PM EST) for a referral to an attorney with whom you can consult about any new legal matter and your initial consultation is free. The plan attorney will discuss your legal questions with you and assist you in deciding upon a course of action. The plan attorney will consult with you, review important legal documents (6 page maximum), or draft a Simple Will, all at no charge***.

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Free Services for Members:

• Initial phone consultation for each new legal matter (no time limit)
• Initial face-to-face consultation for each new legal matter (no time limit)
• Review of independent legal documents (6 page maximum per document per new legal matter, no limit to the number of new independent documents)
• Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will annually for free***
• A state-specific, web-based, free Living Will form is available to Members. This form can be notarized by a Notary Public. Store this document in a safe location.
• Plan attorneys will help members represent themselves in small claims court
• Assistance in solving problems with government programs, such as INS and Welfare
• When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per legal matter, with no limit on the number of new legal matters)
• When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one phone call per legal matter, with no limit on the number of new legal matters)

NOTE: In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free legal services.

Discounts on Common Legal Services

Legal service

Special member rate

Non-member rate

Traffic ticket defense

$89

$199

Simple Will w/ Minors Trust

$300

$580

Chapter 7 Bankruptcy

$995

$1,800

Non-Payment of Court Ordered Support

$1,250

$3,000

Non-Contested Divorce

$750

$1,500

Small Business Incorporation

$750

$2,000

Residential Real Estate Closing

$350

$775

NOTE: Legal services are subject to terms and conditions as specified by legal plan. Members may inquire when requesting their attorney’s referral.

Reduced Hourly Rate

Plan attorneys will provide extended legal care at the reduced hourly rate of $125.00, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services described above.

Discount On Contingency-based Cases

Plan attorneys provide a 10% reduction on contingency fees either from the state maximum rate or the attorney’s usual rate, whichever is lower.

Retainers

In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the plan’s discounted hourly rate. For instance, 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to you.

* Membership in family legal plan includes the member, their spouse or domestic partner, their children 25 and younger and any dependent living in the member's home who may be dependent upon them, such as a parent or grandparent.

**Matters involving disputes or actions between members and family legal plan or its plan sponsors, agents or their officers, directors or employees are specifically excluded from eligibility of this plan. Court costs, filing fees and travel to and from any courts are excluded from discounted rates under any of the discounted pricing described in this fee schedule.

***SIMPLE WILL: A will distributing personal property and homestead and not involving trusts, specific bequests, real estate, tax matters, guardianships, living wills, health care proxies or partitions.

How It Works

To utilize your family legal plan services, simply call the phone number provided. After presenting the customer service representative with your name and membership number or case number and the type of legal matter you have, you will be provided with the name, address, and telephone number of an attorney who can assist you with your legal matter.

How It Works

To utilize your family legal plan services, simply call the phone number in your membership Family Legal Page. After presenting the customer service representative with your name and membership number or case number and the type of legal matter you have, you will be provided with the name, address, and telephone number of an attorney who can assist you with your legal matter

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