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UAW-Ford Legal Services Plan

UAW-Ford Legal Services Plan After an overview of the UAW-Ford Legal Services Plan, this section of your handbook answers these questions: Page Who is eligible and what are some basic coverage details? 164. For what matters can full Legal Services be provided? 166. Can Services be provided for an appeal? 166. For what Legal matters is office work provided? 167. For what Legal matters is a referral provided? 167. What expenses are not covered? 168. How do I receive Plan Services ? 168. What are other Plan details? 169. Where are Plan offices located? 170. 163. UAW-Ford Legal Services Plan An overview of the Plan Who is eligible and what are some basic coverage details? When you encounter a Legal problem, the UAW-Ford Legal Eligibility Services Plan can go to work for you. Depending on the You're eligible for the UAW-Ford Legal Services Plan if circumstances, the Plan may provide three types of Services : you are eligible for benefits (other than deferred vested Full Legal Services for such things as wills, adoptions, benefits) under the Ford-UAW Retirement Plan.

Family Estate Planning The Plan provides office work services to prepare for or respond to the death or incapa-city of an Employee/ Retiree’s or Spouse’s parent. Office work services may be provided in the areas of guardian-ship, probate, wills, trusts, and real estate matters. The Plan can only provide

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Transcription of UAW-Ford Legal Services Plan

1 UAW-Ford Legal Services Plan After an overview of the UAW-Ford Legal Services Plan, this section of your handbook answers these questions: Page Who is eligible and what are some basic coverage details? 164. For what matters can full Legal Services be provided? 166. Can Services be provided for an appeal? 166. For what Legal matters is office work provided? 167. For what Legal matters is a referral provided? 167. What expenses are not covered? 168. How do I receive Plan Services ? 168. What are other Plan details? 169. Where are Plan offices located? 170. 163. UAW-Ford Legal Services Plan An overview of the Plan Who is eligible and what are some basic coverage details? When you encounter a Legal problem, the UAW-Ford Legal Eligibility Services Plan can go to work for you. Depending on the You're eligible for the UAW-Ford Legal Services Plan if circumstances, the Plan may provide three types of Services : you are eligible for benefits (other than deferred vested Full Legal Services for such things as wills, adoptions, benefits) under the Ford-UAW Retirement Plan.

2 Consumer complaints and real estate closings. These Services are provided at no cost to you. In some situa- Your dependents also may be eligible for coverage. Your tions, you also may receive full Services for an appeal dependents include: of a decision Your spouse, to whom you are currently married. (A. Office work for matters such as divorce and traffic and spouse by common law marriage is covered only if criminal offenses. You pay no cost for these Services common law marriage is recognized by the laws in Referrals to a Cooperating Attorney for certain other your jurisdiction). matters. In this case, you pay the fees for Services Your or your spouse's unmarried dependent children, until provided but at specified rates for the type of work the end of the calendar year in which they reach age 25. being done Children include natural or legally adopted children and children for whom you are the Legal guardian. The child Services are provided directly by the Plan's Legal staff if must live with you or be your Legal responsibility you live near an office where the Plan's Legal staff is lo- cated.

3 If you live outside of an area where the Plan's Legal All individuals who may be legally claimed as your de- staff is available, Services are provided by a Cooperating pendents under Section 152 of the Internal Revenue Attorney. (A Cooperating Attorney is an independent at- Code for Federal income tax purposes torney who has contracted to provide Services to Plan Your domestic partner, consistent with the Company's members through the Plan.) health care benefit eligibility criteria When coverage ends Coverage for your dependents generally ends on the day your coverage ends or when the dependent rela- tionship ends. This occurs for your spouse if you be- come divorced or your marriage is annulled. It occurs for your children at the end of the calendar year in which they reach age 25, or when they become married, or when they no longer live in your household, or when they no longer are your Legal responsibility. 164 UAW-Ford Legal Services Plan When coverage is continued Plan cost Under these circumstances, coverage may continue after The Company pays all the costs of the Plan.

4 You make no the time it normally would end: contributions. For years, coverage under the Plan was If you die, coverage for your spouse may continue if provided tax free to Plan members in accordance with he or she is eligible for: Section 120 of the Internal Revenue Code. That Section Surviving spouse benefits under the Retirement Plan and the tax exclusion provided by it for Plan members expired June 30, 1992. Without Section 120, the Com- Transition or Bridge Survivor Income Benefits under pany is required to report the value of membership, for the Life and Disability Insurance Program each Plan member, to the IRS. The dollar amount of value Health care benefits is called imputed income. Imputed income is income that Under these conditions, coverage would continue if eli- is not actually received as pay, but it is subject to federal, gible through Transition or Bridge Survivor Income Ben- state and local income and Social Security (FICA) taxes efits, until those benefits end.

5 When annual returns are filed. If your spouse is not eligible for any of these benefits, coverage ends twelve months following the month in which Plan administration your death occurs. Money the Company contributes goes into a trust fund. The trustee of the fund is Comerica Bank. Money in the Coverage for your eligible dependents ends twelve months fund is used for the sole purpose of paying Plan benefits. following the month in which your death or your surviving It cannot be returned to the Company, Union or Adminis- spouse's death occurs. trative Committee. An Administrative Committee is made If your unmarried child has a physical or mental up of three members appointed by the Union, three mem- disability which prevents the child from doing any bers appointed by the Company and one member ap- substantial gainful activity, coverage can continue af- pointed jointly by the Union and the Company. A Plan Di- ter the calendar year in which he or she reaches age rector is chosen by this Administrative Committee.

6 25. To qualify: The child must live in your or your surviving spouse's household The disability must be medically determinable The disability must be expected either to continue for a long or indefinite period or result in death UAW-Ford Legal Services Plan 165. For what matters can full Legal Services be provided? Can Services be provided for an appeal? If you or your dependents require Legal Services for any of The Plan will provide full Legal Services for appeals on the items listed below, the Plan will provide all necessary these matters: and appropriate Legal Services . This includes an attorney's Defending a collection action on personal or family debts Services , court work, court costs, filing fees and deposi- Defending a garnishment tion and discovery charges for: Repossession or replevin (recovery) of goods Suspension or termination of Social Security disabil- ity benefits Personal bankruptcy Probate proceedings Consumer complaints and warranties Wills, codicils and trusts Contracts for goods and Services Guardianships Denial of insurance claims or loss of coverage The adoption or legitimization of a child Medicare claims, but only if, in the opinion of the Direc- tor or his/her designee, there is a substantial likelihood Name changes of prevailing on such appeal Consumer complaints and warranties (including litiga- tion on plaintiff claims exceeding $700) Appeals for the following matters also will be covered when approved by the Plan's Administrative Committee.

7 Contracts for goods and Services (including litigation on plaintiff claims exceeding $700) Suspension or termination of Social Security disabil- ity benefits Defending a collection action on personal or family debts Probate proceedings Defending a garnishment Wills, codicils and trusts Repossession and replevin (recovery) of goods Guardianships Personal bankruptcy Adoption or legitimization of children Denial of insurance claims or loss of insurance cover- age (except against the Company or Company- Name changes sponsored insurance plans) Tenant representation IRS audits and administrative proceedings (adminis- Leases on personal or family residences trative appearances only) Property damage (real and personal). Tenant representation Real estate matters for a personal or family residence, Leases on personal or family residences including closings, purchases, mortgages, sales, fore- Property damage (real and personal) closures, boundary disputes, title disputes, zoning matters and eminent domain Real estate matters for a personal or family residence, including closings, purchases, mortgages, sales, fore- Property tax assessment disputes closures, boundary disputes, title disputes, zoning matters and eminent domain Property tax assessment disputes Uncontested divorces, uncontested custody, uncon- tested non support, and uncontested alimony in juris- dictions in which an attorney is required to appear in court to finalize the proceedings Post-divorce modification of child support order and ali- mony order, provided that the cause is a material change in the participant's earnings from the Company (only).

8 Termination of parental rights (excluding cases where criminal charges are involved). 166 UAW-Ford Legal Services Plan For what Legal matters is office work provided? For what Legal matters is a referral provided? The Plan covers office work by an attorney, in his or her You can receive a referral to a Cooperating Attorney: office, for the matters listed below. Office work includes When you require full Legal Services for a matter not such things as document preparation, advice, correspon- covered by the Plan's full Legal service benefits dence and telephone calls for: When you need Legal Services beyond office work for Social Security claims other than disability suspensions matters covered by office work only or terminations In these cases, you may be referred to a Cooperating Veterans' benefits claims Attorney. Cooperating Attorneys have an agreement Food stamp or other public assistance claims through the Plan to provide Legal Services to Plan mem- Moving violations and other traffic offenses (but not bers.)

9 You pay the cost of the Services according to a sched- parking violations) uled fee determined by the Plan. Misdemeanors If you have questions or concerns about the Services you Juvenile offenses receive from a Cooperating Attorney, you may call the Plan's Divorce, separation, annulment, dissolution, mainte- Legal staff for advice on how to handle the situation. nance and child custody Nonsupport and alimony Naturalization, immigration and deportation Federal, state and local claim to taxes (excluding tax return preparation). If you need Legal Services beyond office work for these matters, you may be referred to a Cooperating Attorney. At that time, benefits for office work will end. You will be responsible for paying the Cooperating Attorney's charges, as explained in the next section. Family estate planning The Plan provides office work Services to prepare for or respond to the death or incapa-city of an Employee/. Retiree's or Spouse's parent.

10 Office work Services may be provided in the areas of guardian-ship, probate, wills, trusts, and real estate matters. The Plan can only provide these Services if all necessary family members consent to the Plan's representation and waive conflicts of interest. UAW-Ford Legal Services Plan 167. What expenses are not covered? How do I receive Plan Services ? The Plan does not cover Legal expenses for the follow- If you live near a Plan office ing matters: If you live near a Plan office, Legal Services are provided Any action pending before April 1, 1985 (the effective directly by the Plan's Legal staff. Plan offices are listed in date of the Plan) the next section. You may call the Plan office in your area, Legal Services which are not considered personal Legal collect, for an appointment. If you wish, you may talk to Services by law (for example, for matters involving a an attorney over the phone before making an appointment. family business). Workers' Compensation or Unemployment Compensa- If you do not live near a Plan office tion matters involving the Company If you do not live near a Plan office, you may call the Any bankruptcy proceeding that would result in dis- national office for a referral to a Cooperating Attorney in charge of a debt owed to the Company, the Union or your area.


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