The following benefits are excluded:

Appellate court proceedings, class actions, interventions, derivative action and amicus curiae filings.

 

The preparation and filing of individual, partnership or estate tax returns, appellate or administrative proceedings related to tax returns, litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.

 

Matters relating to securities, trademark or patent matters; business or commercial interests, including, but not limited to, professional, partnership and/or corporate matters]; matters involving the law or laws of jurisdictions other than the United States and its territories and Canada; any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services; farm related issues; matters involving commercial or rental property transactions, including the purchase, sale or lease of investment or income-producing property. A two-family house, whether or not used by the Member as his or her primary residence, is deemed an investment or income-producing property.

 

Legal services that are fully paid for or provided at no cost by any governmental agency, organization or insurance company.

 

Matters that the attorney deems frivolous, spurious, harassing, or unethical (collectively referred to as “frivolous”) or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.

 

Costs associated with covered legal services, including but not limited to, all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, attorney fees, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgments, jury fees, court reporter fees, investigative costs and all other incidental and out-of-pocket legal and litigation costs.

 

Any services on behalf of a Covered Family Member against the interests of the Member.

 

Any employment-related matter. This includes, but is not limited to, any dispute involving the Member’s employer or its affiliates,

their officers or directors, the Member’s employee benefit plans, credit unions, programs or arrangements sponsored by an

employer, or cases involving workers’ compensation, unemployment compensation, sex harassment, age discrimination, etc. Any dispute or proceeding against the following persons or entities, their officers, directors, employees, or agents: any person or entity involved in the sale, marketing, administration or other processes related to the group policy; Legal Plan Administrator or its subsidiaries; Claims Administrator or its subsidiaries; Policyholder; Member’s employer; Nationwide Mutual Insurance

Company and it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; Plan Sponsor; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the group policy / Certificate of Coverage.

 

The Certificate of Coverage will not provide benefits in connection with pre-existing matters, which includes any matter where the Member and/or Covered Family Member is on notice as to a pending legal dispute or has previously contacted an attorney, except when prior coverage under another Legal Plan provided by the Policyholder can be demonstrated.

 

Where there are specific hours or dollar amounts provide in this Certificate of Coverage, or where a maximum is set under the Managed Case Rules, the Member will be responsible for all attorney fees incurred over the maximum. Additional exclusions related to each benefit are included in the Covered Services.

 

“CLAIMS ADMINISTRATOR” - means LegalEASE; or its subsidiary.

GRLE_05_DEF_CA (202208)

“COMPLEX WILL” - means a will for an individual who has a significant net worth and will benefit from tax planning, or the estate is subject to current state or federal estate taxation; or owns a business that will continue in operation after death; or wants to put restrictions on what heirs may do with the property; or wants to leave money to someone in a trust because the person cannot manage their own affairs (such as a mentally handicapped child), or wants the property to be managed by a trustee for a period of time past the child’s age of majority, to age 25 or 30, for example; or thinks that someone will challenge the will; or wants to exclude any lawful dependents. The inclusion of a pour-over provision in a will does not, by itself, make a will complex.

GRLE_05_DEF_CW (202208)

“CONTESTED DIVORCE” - refers to a divorce proceeding that requires more than 5 hours of attorney time, and involves disputed issues and both parties are represented by an attorney.

GRLE_05_DEF_CD (202208)

“COVERED FAMILY MEMBER” – means the Member’s Covered Spouse and the Member’s unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 26.

GRLE_05_DEF_CFM (202208)

“COVERED SPOUSE” - means the Member’s lawful spouse or Domestic Partner at the time the coverage is in effect and for whom the required premium is paid where spouse coverage is optional.

GRLE_05_DEF_CS (202208)

“DOMESTIC PARTNER” – means the Member’s domestic partner as defined by the jurisdiction in which the Member primarily resides.

GRLE_05_DEF_DP (202208)

“DURABLE FINANCIAL POWER OF ATTORNEY” –a legal document that allows an individual to appoint another person to manage the individual’s finances in the event that they are unable to do so themselves.

GRLE_05_DEF_DFPOA (202208)

“EFFECTIVE DATE” - means the date the Member’s coverage hereunder begins.

GRLE_05_DEF_ED (202208)

“ELIGIBLE PARENT” – means the parents of the Member or Covered Spouse, regardless of age, and includes, biological parents, step-parents and adoptive parents.

GRLE_05_DEF_EP (202208)

“HEALTH CARE OR MEDICAL POWER OF ATTORNEY” – A legal document that allows an individual to appoint another person to make medical decisions in the event the individual is unable to do so themselves.

GRLE_05_DEF_HCPOA (202208)

“LEGAL PLAN ADMINISTRATOR” – LegalEASE, its affiliates, officers, directors, employees, and/or agents, including third party organizations and their affiliates, officers, directors, employees, and/or agents, hired by LegalEASE to perform services under the Policy.

GRLE_05_DEF_LPA (202208)

“LIVING WILL/ HEALTH CARE OR ADVANCE DIRECTIVE” – A legal document that outlines an individual’s preferences for medical treatment and which takes effect only when the individual becomes incapacitated and can no longer express their wishes.

GRLE_05_DEF_LW (202208)

“MEMBER” - refers to the individual who (a) is associated with the Policyholder, (b) has either paid a premium or had a premium paid on their behalf, and (c) meets the eligibility requirements for Covered Services as defined by the Policyholder.

GRLE_05_DEF_MEM (202208)

“MEMBER SERVICE CENTER” - means the service location established to assist Members in making full use of the coverage.

GRLE_05_DEF_MSC (202208)

“NEIGHBOR” – A person whose residence is located on a property that directly abuts the property on which a Member’s residence is located.

GRLE_05_DEF_NEI (202208)

“NON-PARTICIPATING ATTORNEY” - means an attorney not contracted by the Legal Plan Administrator who is selected and paid by the Member to provide covered legal services up to the maximum amount shown under the Non-Participating Attorney column of the Schedule of Benefits.

GRLE_05_DEF_NPA (202208)

“PAID IN FULL” - means complete payment in full to a Participating Attorney for covered legal services.

GRLE_05_DEF_PIF (202208)

“PARTICIPATING ATTORNEY” - means an attorney contracted by the Legal Plan Administrator to provide covered legal services at the amount shown under the Participating Attorney column of the Schedule of Benefits.

GRLE_05_DEF_PA (202208)

“PERSONAL PROPERTY” – means any property that is not Real Property and which does not produce income.

GRLE_05_DEF_PPROP (202208)

“POLICY” - means the Group Legal Expense Insurance Policy and the Certificate of Coverage.

GRLE_05_DEF_POL (202208)

“POLICYHOLDER” - means the organization named in the declarations page.

GRLE_05_DEF_PH (202208)

“PRIMARY RESIDENCE” – means where an individual has resided or intends to reside for twenty-seven (27) weeks or more per year.

GRLE_05_DEF_PR (202208)

“REAL PROPERTY” – means land and all permanent structures attached thereto.

GRLE_05_DEF_RP (202208)

“WAITING PERIOD” – means the period after the Effective Date during which certain benefits as shown in the Schedule of Benefits may not be used. This includes any matter that arises prior to the end of the Waiting Period.

GRLE_05_DEF_WP (202208)

“WE”, “US”, “OUR” AND “COMPANY” - means Virginia Surety Company, Inc.

GRLE_05_DEF_WUOC (202208)

 

 

In consideration of payment and receipt by Us of the applicable premium, all Covered Services are available to the Member and all Covered Family Members, except as specifically noted below. The following Covered Services are provided when a Participating Attorney is used. The Schedule of Benefits chart shows the reimbursement schedule when a Non-Participating Attorney is used.

GRLE_06_CS (202109)

LegalEASE Helpline:

Advice and consultation by telephone with a Participating Attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded.

GRLE_06_CS_A_000 (202109)

Initial Law Office Consultation:

Up to the maximum as shown in the Schedule of Benefits for office consultations with an attorney on any personal legal problem, civil or criminal, except those specifically excluded.

GRLE_06_CS_A_001 (202109)

Review of Simple Documents:

This benefit includes attorney review, verbal explanations of the meaning or impact of any form or document, or suggestions for changes to a form or proposed document being drafted of up to the maximum number of pages as shown in the Schedule of Benefits. This benefit does not include a written analysis of any form or document.

GRLE_06_CS_A_002 (202109)

Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to review and/or prepare documents, or any other service required on any legal matters not listed as a Covered Service or Exclusion.

GRLE_06_CS_B_105 (202109)

Discounted Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to review and/or prepare documents, or any other service required on any legal matters not listed as a Covered Service or Exclusion.

GRLE_06_CS_B_004 (202109)

Document Preparation:

Preparation of any of the following documents:

• Simple Deed (excluding those reviewed or prepared under the real estate benefit)
• Promissory Note
• Consumer Dispute Correspondence
• Installment Sales Agreement
• Simple Affidavit
• General Power of Attorney
• Lease Agreement (for the Member/Covered Family Member as a tenant only)

GRLE_06_CS_C_210/220/230/240/250/310/320/330 (202109)

Consumer Dispute:

Consultation or representation in a dispute relating to consumer goods and services (not directly or indirectly related to real estate construction or renovation, or landlord/tenant disputes).

GRLE_06_CS_C_360 (202109)

Small Claims Court Representation:

Consultation and/or representation for a consumer dispute filed in small claims court. Attorney may not be permitted to attend court hearings in some jurisdictions.

GRLE_06_CS_C_390 (202109)

Construction / Renovation / Home Repair Dispute:

Consultation or representation in a dispute involving consumer goods or services related to construction or renovation or home repairs that occurred on the premises of the Member’s Primary Residence. This benefit does not apply to consumer goods and services that are directly or indirectly related to a landlord/tenant dispute.

GRLE_06_CS_C_371 (202109)

Vehicle Repair and Lemon Law Litigation:

Services related to the representation of a Member who is entitled under the applicable state “lemon” law to bring a civil lawsuit (non-business related), up to and including the trial thereof related to a defective car as defined in the applicable state law. This benefit does not apply to: (1) any lawsuit related to matters that are not specifically listed under the provisions of the applicable state fraud laws; (2) lawsuits normally handled on a contingent fee basis; (3) any action for or defense against a collection or related matter; or (4) matters for which the Member has or is required by law to have insurance.

GRLE_06_CS_C_366 (202109)

Personal Property Protection:

Services cover counseling over the phone or in the office on any Personal Property issue, including consumer credit reports, contracts for the purchase of Personal Property, consumer credit agreements or installment sales agreements. Counseling on pursuing or defending small claims actions is included. The benefit includes reviewing personal legal documents and preparing promissory notes, affidavits and demand letters.

GRLE_06_CS_C_370 (202109)

Identity Theft Defense:

Services related to the representation of a Member regarding potential creditor actions resulting from identity theft, and attorney services as needed to contact creditors, credit bureaus and financial institutions. It also provides defense services for specific creditor actions over disputed accounts.

GRLE_06_CS_C_395 (202109)

Will Preparation:

Attorney shall prepare a will or codicil and discuss the legal requirements for signing the will. This benefit does not cover Complex Wills, as defined in the Definitions section.

Complex Will Preparation:

Attorney shall prepare a Complex Will or codicil.

This benefit shall be limited to one Complex Will(s) prepared  per Member/Covered Family Member.

GRLE_06_CS_D_400/430 (202109)

Living Will/Health Care or Advance Directive/Health Care or Medical Power of Attorney:

This benefit covers the preparation of up to 2 of any of the following documents as defined in the Definitions section per Member/Covered Family Member:

• Living Will
• Health Care Directive
• Advance Directive
• Health Care Power of Attorney
• Medical Power of Attorney

The titles of the above documents may vary by state. When state law allows the information contained in any two or more of the above mentioned documents to be combined into one document, then the benefit covers the preparation of only one document(s), and cannot be combined to increase the total allowed benefit.

This benefit is limited to one document/set of documents per year per Member/Covered Family Member.

GRLE_06_CS_D_440/450 (202109)

Revocable or Irrevocable Living Trust Document:

Preparation of a revocable or irrevocable living trust for the Member and/or Covered Spouse. This benefit does not include services related to transactions to fund the trust or transfer assets into it. This benefit does not include tax planning or tax advice. This benefit does not include the preparation of: a charitable or charitable remainder trust; special needs trust; tax by-pass or credit shelter trust; asset protection trust; insurance trust; qualified domestic trust (QDOT); qualified terminable interest property trust (QTIP); or blind trust.

GRLE_06_CS_D_460 (202109)

Hospital Visitation Authorization:

Preparation of a hospital visitation authorization for Member/Covered Family Member.

GRLE_06_CS_D_466 (202109)

Probate of Small Estate:

The service of an attorney for the probate of a small estate (an estate that is not subject to current state or federal estate taxation), up to the maximum as shown in Schedule of Benefits. This benefit does not apply when there are applicable state-mandated attorney fees.

GRLE_06_CS_D_470 (202109)

Veterans Benefits Appeal:

This benefit includes legal services for a Member in an administrative proceeding or appeal for denied Veterans benefits.

GRLE_06_CS_D_482 (202109)

Elder Parent Will Preparation:

Preparation of a Simple Will(s) for the Eligible Parent(s). The attorney will prepare the document and discuss the legal requirements for signing the will. This benefit does not cover Complex Wills, as defined in the Definitions section.

GRLE_06_CS_E_401 (202109)

Elder Parent Living Will/Health Care or Advance Directive:

Preparation of a Living Will(s)/Health Care or Advance Directive(s), as they are defined in the Definitions section, for the Eligible Parent(s). The attorney will prepare the document(s) as authorized by state law and discuss the legal requirements for signing the Living Will/Health Care or Advance Directive. The titles of the above documents may vary by state. When state law allows the information contained in any two or more of these documents to be combined into one document, then the benefit covers the preparation of only one document(s), and cannot be combined to increase the total allowed benefit.

GRLE_06_CS_E_441 (202109)

Elder Parent Durable Financial Power of Attorney:

Preparation of a Durable Financial Power of Attorney(s), as defined in the Definitions section, for the Eligible Parent(s) at the co-pay rate shown in the Schedule of Benefits. The attorney will prepare the document(s) as authorized by state law and discuss the legal requirements for signing the Durable Financial Power of Attorney. The titles of the above documents may vary by state.

GRLE_06_CS_E_311 (202109)

Elder Parent Health Care or Medical Power of Attorney:

Preparation of a Health Care or Medical Power of Attorney(s), as they are defined in the Definitions section, for the Eligible Parent(s) at the co-pay rate shown in the Schedule of Benefits. The attorney will prepare the document(s) as authorized by state law and discuss the legal requirements for signing the Health Care or Medical Power of Attorney. The titles of the above documents may vary by state. When state law allows the information contained in any two or more these documents to be combined into one document, then the benefit covers the preparation of only one document(s), and cannot be combined to increase the total allowed benefit.

GRLE_06_CS_E_451 (202109)

Elder Law Matters:

This service covers counseling the Member over the phone or in the office on any personal issues relating to the Eligible Parents as they affect the Member. This benefit includes reviewing documents of the Eligible Parents to advise the Member of the legal effect on the Member. The documents include Medicare or Medicaid materials, prescription plans, leases, nursing home agreements, powers of attorney, living wills and wills. The benefit also includes preparing deeds involving the Eligible Parents when the Member and/or Covered Spouse is either the grantor or grantee; and preparing promissory notes involving the parents when the Member and/or Covered Spouse is either the payor or payee.

GRLE_06_CS_E_490 (202109)

Real Estate Sale, Purchase or Refinancing of Primary Residence:

The services of an attorney for the sale or purchase or refinancing of a Primary Residence. This service includes the review and/or preparation of closing documents and/or attendance by the attorney at closing in situations when it is customary for the attorney to do so. This benefit does not include services performed by or for a title company, or for an attorney acting on behalf of a lending institution. Home equity loans and the sale or purchase of unimproved or rental properties are not included. This benefit does not include any fees or costs other than those related to the attorney’s review of the purchase/sale documents.

GRLE_06_CS_F_500/530/550 (202109)

Vacation or Investment Home Purchase, Sale or Refinancing:

The services of an attorney for the purchase, sale, or refinancing of a vacation or investment residence which is not the Primary Residence. This service includes the review and/or preparation of closing documents and/or attendance by the attorney at closing in situations when it is customary for the attorney to do so. This benefit does not include services performed by or for a title company, or for an attorney acting on behalf of a lending institution. Home equity loans and the sale or purchase of unimproved properties are not included. This benefit does not include any fees or costs other than those related to the attorney’s review of the purchase/sale documents.

GRLE_06_CS_F_515 (202109)

Home Equity Loan Assistance for Primary Residence:

The services of an attorney for the review and/or preparation of a home equity loan on a Primary Residence, or second or vacation home. This benefit does not include services performed by or for a title company, or for an attorney acting on behalf of a lending institution.

GRLE_06_CS_F_525 (202109)

Property Tax Assessment:

The services of an attorney for review and advice on a property tax assessment on a Primary Residence. This benefit includes filing the paperwork, gathering the evidence, negotiating a settlement, and attending the hearing necessary to seek a reduction of the assessment.

GRLE_06_CS_F_570 (202109)

Tenant Dispute:

Representation of the Member as a tenant in a dispute with their landlord. This benefit does not include representation for a tenant in a dispute with other tenants or for a tenant acting in their capacity as sublessee or sublessor.

GRLE_06_CS_F_560 (202109)

Tenant Security Deposit Dispute:

The services of an attorney to assist the Member as a tenant in recovering a security deposit from the residential landlord for the Primary Residence; reviewing the lease and other relevant documents; and preparing a demand letter to the landlord for the return of the deposit. This benefit covers preparation for prosecuting a small claims action; helping prepare documents; advising on evidence, documentation and witnesses; and preparing the Member for the small claims trial. The service does not include the attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

GRLE_06_CS_F_565 (202109)

Landlord Dispute with Tenant:

This benefit covers the Member where they are a landlord, but where the regular business or livelihood of the Member is that other than a landlord, for matters involving evictions, leases, or disputes with a residential tenant. The service includes advice and representation if a lawsuit is filed up to the maximum shown on the Schedule of Benefits. This benefit does not include representation for a tenant in disputes with other tenants or for a tenant acting in their capacity as sublessee or sublessor. If a lawsuit is required in order for the landlord to recover their damages, then representation will be provided up to the maximum shown in the Schedule of Benefits and the Member will be responsible for paying all fees for any additional services required.

GRLE_06_CS_F_580 (202109)

Security Deposit Dispute with Tenant:

This benefit covers the Member where they are a landlord, but where the regular business or livelihood of the Member is that other than a landlord, in defending against the recovery of a security deposit from the Member’s residential tenant for any residence owned and leased by the Member; reviewing the lease and other relevant documents; and preparing a letter to the tenant specifying what part of the deposit, if any, will not be returned. It also covers assisting the Member in defending a small claims action; helping prepare documents; advising on evidence, documentation and witnesses; and preparing the Member for the small claims trial. The service does not include the attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

GRLE_06_CS_F_581 (202109)

Construction Defect Dispute:

The services of an attorney in a dispute relating to a defect or damage caused by the construction of the Member’s new Primary Residence, purchased within the past five (5) years up to the maximum shown in the Schedule of Benefits.

GRLE_06_CS_F_591 (202109)

Neighbor Dispute:

The services of an attorney in a dispute relating to a Member’s Neighbor up to the maximum shown in the Schedule of Benefits. For a definition of Neighbor, please see the Definitions section. Advice and/or preparation and assistance for a dispute filed in court is covered, although representation in  court is not covered. This benefit does not include matters involving a dispute with a condominium/homeowners’/property owners association or a housing cooperative board, or any individual in their capacity as a member of a condominium/homeowners’/property owners’ association or a housing cooperative board.

GRLE_06_CS_F_592 (202109)

Noise Reduction Dispute:

The services of an attorney in a dispute relating to a Member’s enjoyment of their residence, where any activity related to noise affecting the Member’s enjoyment of their home is prohibited by federal, state or local law, up to the maximum shown in the Schedule of Benefits. Advice and/or preparation and assistance for a dispute filed in court is also covered, although representation in  court is not covered.

GRLE_06_CS_F_593 (202109)

Boundary or Title Dispute:

Services needed to negotiate and/or litigate matters arising from boundary or Real Property title disputes involving the Member’s Primary Residence or secondary or vacation residence and where coverage is not available under the Member’s homeowner or title insurance policies. This benefit includes filing to remove a mechanic’s lien. This benefit does not include boundary or title issues related to business assets or property. This benefit does not include boundary or title issues arising from the assertion of Eminent Domain.

GRLE_06_CS_F_594 (202109)

Zoning Application:

Services needed to negotiate and/or litigate the change of zoning or variance for the Member’s Primary Residence or secondary or vacation residence. This benefit applies to the Member as a plaintiff or defendant. This benefit includes research and review of the law, surveys, advising the Member, preparing applications, and preparing for and attending the hearing. This benefit does not include zoning or variance issues related to business assets or property.

GRLE_06_CS_F_595 (202109)

Building Codes:

Services needed to dispute a permit denial of defend a building code violation via civil proceedings before a municipal, county, state, or federal administrative board, agency or commission. It includes the hearing before an administrative board or agency regarding an adverse governmental action. It does not apply where services are available or are being provided by virtue of an insurance policy.

GRLE_06_CS_F_599 (202109)

 

Debt Collection Defense:

The defense of any dispute involving personal (non-business related) debt. This benefit includes correspondence, negotiating with creditors to arrange a repayment schedule, assistance in limiting harassment by bill collectors, and negotiating settlement after a complaint is filed. This service does not include defense against execution of a court-ordered judgment or efforts to vacate or set aside a judgment.

GRLE_06_CS_G_600/620 (202109)

Garnishment Defense:

The defense of any dispute involving wage or earnings garnishment to collect on a court-ordered judgment related to personal (non-business related) goods or services. This benefit includes correspondence, negotiating with the court or opposing party to arrange a repayment schedule, assistance in limiting harassment by bill collectors, negotiating settlement after a complaint is filed, and representation at trial, if necessary. This service does not include efforts to vacate or set aside a judgment. This service does not include counter, cross or third-party claims; bankruptcy; any action arising out of family law matters, including support and post-decree matters; or any matter where the creditor is affiliated with the Policyholder.

GRLE_06_CS_G_621 (202109)

Bankruptcy:

Representation on behalf of the Member for personal (non-business related) bankruptcy protection under Chapter 7 or 13 of the Internal Revenue Code.

GRLE_06_CS_G_630 (202109)

Foreclosure:

Defense of the Member in an action to foreclose on the Member’s Primary Residence.

GRLE_06_CS_G_640 (202109)

Tax Audit:

Includes the services of an attorney (but not accounting services) during a personal (non-business related) tax audit required by federal and state tax authorities and negotiations relating to it. This benefit does not include a defense against criminal charges nor the defense of civil tax litigation in any tax court.

GRLE_06_CS_G_650 (202109)

Tax Defense:

The defense of any dispute involving the collection of personal (non-business related) debt by a state or federal tax agency. This benefit includes correspondence, negotiating with the creditor tax agency to arrange a repayment schedule, assistance in limiting harassment by bill collectors, negotiating settlement after a complaint is filed, and representation at trial, if necessary. This service does not include defense against execution of a court-ordered judgment or efforts to vacate or set aside a judgment. This service does not include counter, cross or third-party claims; bankruptcy; any action arising out of family law matters, including support and post-decree matters; or any matter where the creditor is affiliated with the Policyholder.

GRLE_06_CS_G_651 (202109)

Student Loan Refinancing/Collection Defense:

The services of an attorney up to the maximum shown in the Schedule of Benefits for a student loan refinancing or collection dispute proceeding. This benefit includes negotiation with creditors for a repayment schedule and to limit creditor harassment, and representation in defense of any action for personal debt collection, tax agency debt collection, foreclosure, repossession or garnishment, all related to one or more school loans up to and including trial if necessary.

This benefit does not include: vacating a judgment; counter, cross or third-party claims; bankruptcy, any action arising out of family law matters, including support and post decree issues; or any matter where the creditor is affiliated with the sponsor or employer.

GRLE_06_CS_G_625 (202109)

Repossession Defense:

The defense of any dispute involving the repossession of personal (non-business related) property by a private (non-governmental) party. This benefit includes correspondence, negotiating with the opposing party to arrange a repayment schedule, assistance in limiting harassment by bill or property repossession collectors, negotiating settlement after a complaint is filed, and representation at trial, if necessary. This service does not include defense against execution of a court-ordered judgment or efforts to vacate or set aside a judgment. This service does not include counter, cross or third-party claims; bankruptcy; any action arising out of family law matters, including support and post-decree matters; or any matter where the creditor is affiliated with the Policyholder

GRLE_06_CS_G_660 (202109)

 

Separation, Divorce, Civil Annulment:

Legal representation of the Member for up to the maximum shown on the Schedule of Benefits in an uncontested separation or civil annulment; consent or default divorce, uncontested divorce or Contested Divorce. An uncontested separation, divorce or civil annulment does not involve significant disputed issues and the parties resolve any issues prior to any court supervised proceeding. A consent or default divorce does not involve any disputed issues and the opposing party is not represented by counsel. The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (1) services in excess of the maximum shown on the Schedule of Benefits; the Member must pay the attorney’s fee for services in excess of the maximum; or (2) contested matters in which case the Member must pay the attorney’s fee for services, unless the coverage includes contested matters and the benefit shall be in accordance with the Schedule of Benefits; or (3) services relative to post-decree representation. A contested separation, divorce or civil annulment requires more than five hours of attorney time, and involves disputed issues and requires that both parties be represented by an attorney.

This benefit is limited to one use per case. This benefit provides coverage for multiple cases per year. This benefit applies to the Member and Covered Family Members only for actions not involving the Member as an opposing party.

GRLE_06_CS_H_710/720/730 (202109)

Post-Divorce Proceedings:

Legal representation of the Member for up to the maximum listed on the Schedule of Benefits in a contested or uncontested post-divorce proceeding. An uncontested post-divorce proceeding does not involve significant disputed issues and the parties resolve any issues prior to any court supervised proceeding. The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (1) services in excess of the maximum listed on the Schedule of Benefits; the Member must pay the attorney’s fee for services in excess of the maximum; (2) contested matters in which case the Member must pay the attorney’s fee for services, unless the coverage includes contested matters and the benefit shall be in accordance with the Schedule of Benefits. A contested post-divorce proceeding requires more than five hours of attorney time, involves disputed issues and requires that both parties be represented by an attorney. This benefit includes custody, support, and alimony proceedings.

This benefit is limited to one use per case. This benefit provides coverage for multiple cases per year. This benefit applies to the Member and Covered Spouse only for actions not involving the Member as an opposing party.

GRLE_06_CS_H_733 (202109)

Domestic Partnership Agreement:

The service covers the preparation of a domestic partnership agreement by a Member and their partner. Representation is provided only to the Member. The spouse/partner must have separate counsel or must waive representation.

GRLE_06_CS_H_735 (202109)

Prenuptial Agreement:

This service covers the preparation of an agreement by a Member and their fiancé/partner prior to their marriage or legal union (where allowed by law), outlining how property is to be divided in the event of separation, divorce or death of a spouse. Representation is provided only to the Member. The fiancé/partner must have separate counsel or must waive representation.

GRLE_06_CS_H_705 (202109)

Name Change:

Services required to accomplish a legal name change for a Member/Covered Family Member.

GRLE_06_CS_H_740 (202109)

Gender Identifier Change:

Services required to change the gender identifier on government issued documents.

GRLE_06_CS_H_742 (202109)

Egg/Sperm/Embryo Donation Agreement:

This service covers the preparation of an egg, sperm or embryo donation agreement for a Member.

GRLE_06_CS_H_743 (202109)

Surrogacy Representation:

Legal representation up to the maximum shown in the Schedule of Benefits in a surrogacy or artificial conception where the Member/Covered Spouse is the intended parent, subject to state law. This service can be used for consultation, contract preparation and negotiation, representation in dispute resolution and court proceedings required to establish parental rights. This benefit cannot be combined with any other benefit, including adoption. This benefit does not include representation for the surrogate mother, donor or any party other than the Member/Covered Spouse. This benefit does not apply where state laws do not address surrogacy or where surrogacy is not legal.

GRLE_06_CS_H_776 (202109)

Guardianship/Conservatorship:

Services required to establish a Member/Covered Family Member as the guardian(s) or conservator(s) of a family member of either the Member or Covered Spouse. This benefit does not include fees for a court-appointed attorney for the child/conservatee.

GRLE_06_CS_H_750 (202109)

Government Agency/Stepparent Adoption:

Legal representation up to the maximum shown in the Schedule of Benefits in a governmental agency or stepparent adoption. An uncontested adoption does not involve significant disputed issues. This benefit does not include: (1) contested termination of parental rights; (2) fees for a court-appointed attorney for the child; or (3) adoptions(s) made through any agency other than a governmental agency. A contested adoption requires more than five hours of attorney time and involves disputed issues. If the amount of an attorney’s time for uncontested adoption exceeds the maximum shown in the Schedule of Benefits, or if the adoption becomes contested, then coverage will terminate and the Member will be responsible for any additional legal fees.

GRLE_06_CS_H_760/770 (202109)

Pre-Birth/Post-Birth Parentage Order

This service covers the preparation of a pre-birth or post-birth parentage order for the Member.

GRLE_06_CS_H_777 (202109)

Child Custody/Support Proceeding Involving Never-Married Parents:

Legal representation up to the maximum shown in the Schedule of Benefits in a child custody/support proceeding. This service covers the Member only and/or Covered Family Member, when there is an issue of child custody/support of a child parented by a person with the Member/Covered Family Member, but never married to the Member/Covered Family Member. This service covers representation to obtain a support order, including all required paperwork and attendance at all court appearances. The service does not include representation in suits for damages, defense of any action, representation for the opposing parent, or any paternity proceeding. If the amount of an attorney’s time for an uncontested or contested child custody/support proceeding exceeds the maximum shown in the Schedule of Benefits, then coverage will terminate and the Member will be responsible for any additional legal fees.

This benefit is limited to one use per case. This benefit provides coverage for multiple cases per year.

GRLE_06_CS_H_731 (202109)

Stalking Victim Assistance:

This benefit covers advice and consultation, preparation of affidavits and any temporary restraining order (TRO), and review of any related documents for any who is a victim of a stalking incident(s) as defined by state law. This benefit also covers services needed to help the victim prepare for hearings. This benefit does not include representation for a Covered Family Member when it conflicts with the Member’s interests.

GRLE_06_CS_H_745 (202109)

Protection from Domestic Violence:

Services needed to assist the Member in obtaining a protective order arising from a domestic violence or abuse matter, including all required paperwork and attendance at all court appearances. This benefit does not include representation in suits for damages, defense of any action, or representation of the offender. This benefit provides coverage for Covered Family Members only for matters not in conflict with the Member’s and/or Covered Family Member’s interest.

GRLE_06_CS_H_746 (202109)

Juvenile Court Proceeding:

Services related to the representation of the dependent child of a Member/Covered Family Member in any juvenile court proceeding, provided the child’s interest is not in conflict with the Member’s and/or Covered Family Member’s interest. This benefit does not cover any matter that falls outside the jurisdiction of juvenile court or any matter that may be considered a felony.

GRLE_06_CS_H_780 (202109)

School Administrative Proceeding:

Services needed for a dependent child of a Member/Covered Family Member for consultations, and review or help with preparation of documents prior to the representation of the dependent child in any school administrative proceeding (not including expulsion), provided the child’s interest is not in conflict with the Member’s and/or Covered Family Member’s interest. This benefit does not cover any matter that falls outside the jurisdiction of the school in which the child is officially enrolled. This benefit does not contemplate any attendance or representation by the attorney at or prior to any administrative hearing or appearance.

GRLE_06_CS_H_782 (202109)

Immigration Assistance:

This service covers advice and consultation, preparation of affidavits and powers of attorney, review of any immigration documents, and helping the Member prepare for hearings. This service also covers representation in the defense and/or assertion of status relating to immigration policies. This benefit also extends to the Member’s Covered Family Members and non-covered family members, including the Member’s parent, fiancé(e) who are attempting to become US citizens in the manner prescribed by law.

GRLE_06_CS_H_790 (202109)

Parental Responsibility Matters:

Representation of the Member/Covered Spouse in juvenile court proceedings (except those involving traffic matters) where the State has brought an action against the Member/Covered Spouse relating to their parental responsibilities for a Covered Family Member.

This benefit applies to the Member/Covered Spouse only.

GRLE_06_CS_H_786 (202109)

Civil Litigation Defense:

Services related to the representation of a Member who is a named defendant in a filed civil lawsuit (non-business related), up to and including the trial thereof. This benefit does not include: (1) any debt collection or family law matters; (2) lawsuits normally handled on a contingent fee basis; or (3) matters for which the Member has or is required by law to have insurance; 4) post judgment matters; (5) matters with criminal penalties; or (6) litigation of a job-related incident. This benefit does not include services relating to counter, third-party or cross claims.

This benefit does not include matters involving a dispute with a condominium/ homeowners’/property owners association or a housing cooperative board, or any individual in their capacity as a member of a condominium/ homeowners’/property owners’ association or a housing cooperative board.

GRLE_06_CS_I_800 (202109)

Incompetency Defense:

Services related to the representation of a Member in the defense of any incompetency action, including court hearings when there is a proceeding to find the Member incompetent.

GRLE_06_CS_I_820 (202109)

Administrative Hearing Representation:

Services needed to defend the Member from civil proceedings before a municipal, county, state, or federal administrative board, agency or commission. It includes the hearing before an administrative board or agency regarding an adverse governmental action. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, post judgment matters or litigation of a job-related incident.

GRLE_06_CS_I_830 (202109)

Discounted Contingency Fees:

Participating Attorneys will handle the matter at a maximum percentage of the gross award. It is the Member’s responsibility to pay this fee and all costs.

• When state laws set contingency fees: Lesser of 10% less than state law maximum fee or the Participating Attorney’s usual fee.
• When state laws do not set contingency fee: Maximum of 29% if settled before trial, 36% if trial is conducted, or 40% after an appellate brief is filed.

Contingency rate discount applies in those cases where attorneys customarily take a case on a contingency fee, (an agreed upon portion of any recovery), depending on the outcome of the case.

GRLE_06_CS_I_840 (202109)

Mediation:

The services of an attorney for representation at a mediation. This benefit does not include the cost of the mediator’s services.

GRLE_06_CS_I_850 (202109)

Misdemeanor Defense:

Defense of a Member in connection with criminal misdemeanor charges (not associated with any felony charge). This benefit does not include defense of moving traffic violations. This benefit does not include juvenile matters. This benefit cannot be used for expungements of misdemeanor convictions. This benefit does not include employment related misdemeanors. This benefit does not include misdemeanors relating to a commercial driver’s license. This benefit does not include adjustments to probation or parole.

GRLE_06_CS_J_920 (202109)

DUI/DWI Defense:

Defense of a Member in connection with Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations misdemeanor charges (not associated with any felony charge). This benefit does not include employment related DUI/DWI charges. This benefit does not include misdemeanors relating to a commercial driver’s license. This benefit does not include adjustments to probation or parole.

GRLE_06_CS_J_923 (202109)

Traffic Ticket:

Services related to the representation of the Member in defense of any traffic ticket except driving under influence or vehicular homicide, including court hearings, negotiation with the prosecutor, trial, and counseling and preparing Member for self-representation at any hearings if chosen. This benefit does not cover violations related to a commercial driver’s license. This benefit does not apply to Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations.

GRLE_06_CS_K_810 (202109)

Serious Traffic Matter:

Services related to the representation of a Member who is charged by governing authorities with moving traffic violation(s) and conviction could result in suspension or revocation of a state-issued license permitting a person to drive a motor vehicle. This benefit does not cover violations related to a commercial driver’s license. This benefit does not apply to Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations. This benefit cannot include expungements of misdemeanor convictions. This benefit does not include adjustments to probation or parole.

GRLE_06_CS_K_900 (202109)

Administrative Proceeding:

Services related to the representation of a Member in an administrative proceeding relating to the suspension or revocation of driving privileges. This benefit does not cover suspension or revocation of a commercial driver’s license.

GRLE_06_CS_K_910 (202109)

Habeas Corpus Proceeding:

Services related to the representation in a Habeas Corpus proceeding.

GRLE_06_CS_K_922 (202109)

Restraining Order Assistance:

Services needed to obtain a temporary restraining order during regular court hours. This benefit includes consultations, review or preparation of documents. This benefit applies only to the Member and/or Covered Family Members for actions not involving the Member or other Covered Family Members as an opposing party.

GRLE_06_CS_K_926 (202109)

 

Claim for Benefits

 

1.   Members should call the Member Service Center to confirm the potentially applicable benefit(s) prior to consulting with any attorney. The Member/Covered Family Member must provide all information requested with respect to the circumstances of an insured event or service provided. The Member Service Center will assign a Participating Attorney to provide services relative to the matter. If a Member/Covered Family Member has a Non-Participating Attorney they would prefer to work with, they must notify the representative of their intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will provide a claim form within fifteen (15) days of notice. The Legal Plan Administrator may elect to offer to negotiate with the attorney on their behalf, but cannot guarantee the Non-Participating Attorney will accept the Plan Discounted Rate. Failure to submit a claim to the Member Service Center within sixty (60) days or as soon as reasonably possible following consultation with an attorney may result in a denial of benefits.

2.   To confirm coverage for matters to which Managed Case Rules apply reference Managed Case Rules in the Schedule of Benefits.

3.   The Member must remain enrolled and continue to pay premium hereunder for services to be requested.

4.   Upon completion of a Covered Service, the Member/Covered Family Member may be required by the Participating Attorney to sign a confirmation of completion. Failure to sign the confirmation may result in denial of the claim and the Member/Covered Family Member  will be responsible for all legal fees.

5.   If the Member/Covered Family Member pays for pre-authorized services provided by a Non-Participating Attorney, the Member must submit a reimbursement form (provided by Member Service Center) accompanied by an original itemized bill, proof of payment and supporting documentation sufficient to demonstrate the work completed in the matter within sixty (60) days after incurring the legal fees. Benefits provided are subject to the maximum as shown in the Schedule of Benefits.

6.   Payment by Us for Covered Services does not preclude the attorney (whether Participating or Non-Participating) from seeking and recovering attorney’s fees from an opposing party, where authorized by law, court rule, or contract, at the attorney’s customary or prevailing rate. If the Member/Covered Family Member receives reimbursement of attorney’s fees, then the Member/Covered Family Member agrees to reimburse Us for payments issued.

Disputes Between Members or Covered Family Members

In the event that the Member and their Covered Family Member(s) are involved as adversaries in a dispute that is a Covered Service, only the Member will be covered.

If two or more Covered Family Members are involved in a dispute that is otherwise covered, no coverage will be provided.

If two or more Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

GRLE_07_OB (202109)

 

 

The following benefits are excluded:

Appellate court proceedings, class actions, interventions, malpractice proceedings, actions in which punitive damages are being sought, derivative actions and amicus curiae filings.

The preparation and filing of individual, partnership or estate tax returns, appellate or administrative proceedings related to tax returns, litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.

Matters relating to: securities, trademark or patent matters; business or commercial interests, including, but not limited to, professional, partnership and/or corporate matters; matters arising out of a Member/Covered Family Member’s role as an officer or director of an organization; matters involving the law or laws of jurisdictions other than the United States and its territories except as specifically described under Covered Services; any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services; farm related issues; matters involving commercial or rental property transactions, including the purchase, sale or lease of investment or income-producing property. A multi-family residence, whether or not used by the Member/Covered Family Member as their Primary Residence, is deemed an investment or income-producing property.

Legal services that are fully paid for or provided at no cost by any governmental agency, organization or insurance company.

Matters that the attorney deems frivolous, spurious, harassing, or unethical or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.

Costs associated with covered legal services, including but not limited to, all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, attorney fees awarded as part of a judgment, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgments, jury fees, court reporter fees, investigative costs, mediator or arbitrator fees, and all other incidental and out-of-pocket legal and litigation costs.

Any services on behalf of a Covered Family Member against the interests of the Member.

Any employment-related matter. This includes, but is not limited to, any dispute involving the Member’s employer or its affiliates, their officers or directors, the Member’s employee benefit plans, credit unions, programs or arrangements sponsored by an employer, or cases involving workers’ compensation, unemployment compensation, sex harassment, and age discrimination.

Any dispute or proceeding against the following persons or entities, their officers, directors, employees, or agents: any person or entity involved in the sale, marketing, administration or other processes related to the Policy; Legal Plan Administrator or its subsidiaries; Claims Administrator or its subsidiaries; Policyholder; Member’s employer; Virginia Surety Company, Inc. and it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the Policy or to any services rendered by any Participating or Non-Participating attorney in any legal matter.

Except for consultation, the Policy will not provide benefits in connection with pre-existing matters, which includes any matter where the Member/Covered Family Member is on notice as to a pending legal dispute or has previously contacted an attorney, except when prior coverage under another Legal Plan provided by the Policyholder can be demonstrated.

The Policy does not allow benefits listed under the Covered Services section to be combined for one legal matter.

Where there are specific hours or dollar amounts provided in the Policy, or where a maximum is set under the Managed Case Rules, the Member will be responsible for all attorney fees incurred which exceed the maximum. Additional exclusions related to each benefit are included in the Covered Services.

GRLE_08_EXCL (202109)

 

 

Attorney-Client Relationship

All attorneys are subject to the authority of the state Supreme Court and the state bar association of the state(s) where they are licensed to practice. The Member/Covered Family Member has the unrestricted right to choose an attorney. The Member’s/Covered Family Member’s relationship with an attorney is privileged and strictly confidential. We will not interfere in the attorney-client relationship or in the attorney’s independent exercise of their professional judgment. Participating Attorneys are not certified specialists. Participating Attorneys are not agents or employees of either the Legal Plan Administrator or Us.

The Member/Covered Family Member shall authorize the Participating Attorney to provide the Legal Plan Administrator with information and supporting documentation on the number and type of services provided.

By using legal services benefits that are provided under the Policy, the Member/Covered Family Member agrees that neither We, nor the Policyholder, nor any other person involved in the marketing or administration of the Policy, shall have any liability for the acts, errors or omissions of an attorney providing services, in whole or in part.

Non-Participating Attorney Services

If the Member/Covered Family Member already has an attorney, they may prefer to use them as a Non-Participating Attorney. To do so, the Member must first contact the Member Service Center and notify the representative of their intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send the Member a claim form which must be completed and returned in order to request reimbursement. The Member’s reimbursement will be based on the reimbursement schedule shown under the Non-Participating Attorney column of the Schedule of Benefits. If a Member/Covered Family Member has a Non-Participating Attorney they would prefer to work with, the Legal Plan Administrator may elect to offer to negotiate with the attorney on their behalf, but cannot guarantee the Non-Participating Attorney will accept the Plan Discounted Rate.

Subrogation and Coordination of Benefits

All benefits will be subject to subrogation and coordination of benefit rules. For the purpose of subrogation, We may require the Member/Covered Family Member to assign all rights of recovery of legal fees to the extent that payment is made by Us. If an assignment is sought, the Member/Covered Family Member must cooperate in providing the assignment.

Legal Terminology

The Member may call the Member Service Center to obtain a definition or explanation of any term used herein.

Coverage Territory

The coverage territory includes the United States and United States territories.

Premium Refund Provision

In the event that the premium mode is other than monthly and the Group Policy is terminated or the Member elects to terminate the coverage, a pro-rata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.

Secondary Coverage

If the Member/Covered Family Member is entitled to receive legal services or reimbursement for legal services from any other person or organization, the coverage available under the Policy would be considered excess as defined in the National Association of Insurance Commissioners Model Coordination of Benefits Provisions.

Termination and Cancellation of Coverage

Coverage provided shall terminate upon the first of the following to occur:

1. Cancellation or termination of the Group Policy;
2. If applicable, the Member fails to re-enroll;
3. The Member is no longer associated with Policyholder; or
4. The Member fails to remit premium when due, subject to the statutory grace period.

 

Coverage provided to a Covered Family Member of a Member shall terminate at time family member ceases to qualify as a Covered Family Member as defined in the Definitions section.

When coverage for a Member/Covered Family Member terminates and a matter is unresolved when coverage terminated, then any further legal work between said Member/Covered Family Member and the Participating Attorney shall be outside the scope and coverage of the Policy. The Participating Attorney shall not be obligated to provide any benefits under the Policy and any further legal services shall be based upon an independent and separate fee agreement entered into, if at all, between the former Member/Covered Family Member and the attorney. If such an agreement is not entered into, then the Participating Attorney may withdraw from any further representation in accordance with applicable law and State Bar standards.

Illegal Activity, Misrepresentation and Fraud

We will not provide coverage if the Member/Covered Family Member has intentionally concealed or misrepresented any material fact or circumstances or been involved in any illegal activity related to the Policy or claim. We will not provide coverage if doing so would be in violation of any United States economic or trade sanction.

Portability

The Member may continue this insurance by electing the option of portability when the Member no longer qualifies as an employee of the Policyholder or as a Member of the group to which the Group Policy is issued. The Member must apply for portability within sixty (60) days of this disqualifying event and make arrangements for premium payment. Portability coverage will take effect, subject to payment of the initial premium, as of the date the Member’s coverage under the Group Policy terminates. Credit will be given for any applicable Waiting Period based upon the number of months coverage was in force for the Member under the Group Policy.

Waiver of Premium

Upon the death of the Member, coverage for the surviving Covered Family Members continues for the remainder of the current Group Policy term. We waive further premium payments during this time.

Upon the Member being called to active duty for a period of more than thirty (30) consecutive days for the purposes of military service or of responding to a declared national emergency, coverage for the Covered Family Members will continue, without the payment of premium, for the length of the Member’s absence and for so long as the Member remains eligible for benefits through the Policyholder.

Conformed to Statute

Any terms herein that conflict with the statutes of the jurisdiction where issued are amended to conform to the statutes.

Assignment of Benefits

The benefits provided herein are not assignable.

We are here to serve you...

 

We believe people deserve to have a sense of safety and security, a peace of mind, when it comes to being protected in legal matters that they may not be the experts in. To have access to legal professionals that can ease and solve their legal burdens. We are here to serve you.

 

How we do it is by providing an in-depth pool of resources to accommodate all your legal needs. Legal Access and LegalEASE have broad experiences with employees in small, medium and large companies in the public and private sectors, local, state and federal government offices, unions, employee assistance plans, work-life companies, and organizations, when it comes to solving your legal matters.

 

What we do is provide value by creating unparalleled access to a network of skilled attorneys to cover your legal needs with options in convenient plans. We are a diversified employee benefits company engaged in administration, network development, technology management and insurance, based in Houston, Texas. Since 1971, we have grown from five attorneys in Los Angeles providing services to a modest amount of companies into a company with the strongest attorney network across America. We provide assistance to members over half of a million times each year throughout the United States and the world.

 

Legal Access Companies consists of several companies and brands to best meet customer needs, including but not limited to: Legal Plans USA, Legal Access Plans, LegalEASE, and LAMG. Legal Access Plans has a wide array of products across several market segements, including worksite, employee assistance and worklife. LegalEASE is the group's primary insurance brand and focuses primarily in the worksite market. LegalEASE products are underwritten and presented by Virginia Surety Company, part of the Warranty Group.

Begin the search for a provider by simply calling in and letting our concierge service do the work for you. The process to match you to an attorney based on your area of need and preferences typically takes less than 3 business days. Some legal needs may take longer depending upon geography and complexity of the matter at hand.

 

Call 1(888) 416-4313 and reference “NVIDIA”.

Sit back and relax knowing we're working on your behalf. The main objectives of the Live Concierge Matching Service are to reduce the stress that can be caused by looking for a provider on your own and save you the time it can take locating the correct type of attorney that has availability to assist you with your legal need.

Other methods of access include the Self Search Online Directory and Online Concierge Matching Service. For more information, visit the Attorney Search tab on this site. 

 

If you already have an attorney, and prefer to use her/him as a Non-Participating (Out-of-Network) Attorney, first contact the Member Service Center. Notify the representative of your intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send you a claim form to request reimbursement. Your reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits of the Plan. If you already have an attorney at the time you become a Member, the Legal Plan Administrator can offer to negotiate with your attorney on your behalf, but does not guarantee the Plan Discounted Rate will be accepted by the attorney or offered by LegalEASE.

 

Call the Member Service Center to confirm eligibility and coverage prior to consulting with any attorney. The Member Service Center will assign a Participating Attorney to provide services relative to the matter.

To obtain benefits that are subject to Managed Case Rules:

If you are actively receiving services, you must remain enrolled and continue to pay premium hereunder. All benefits will be subject to subrogation and coordination of benefit rules.

Upon completion of a Covered Service, you and/or Covered Family Member will be required by the Participating Attorney to sign a confirmation of completion. Failure to sign the confirmation may result in denial of the claim and you/ Covered Family Member will be responsible for all legal fees.

If the you and/or Covered Family Member pays for pre-authorized services provided by a Non-Participating Attorney, you must submit a reimbursement form (provided by Member Service Center) accompanied by an original itemized bill, proof of payment and supporting documentation sufficient to demonstrate the work completed in the matter within sixty (60) days after incurring the legal fees. Benefits provided to you and/or Covered Family Member for Covered Services are subject to the maximum as shown in the Schedule of Benefits.

 

You are entitled to receive legal representation provided by any other organization such as an insurance company or a government agency, or if you are entitled to legal services under any other legal plan, coverage will not be provided under this Plan. However, if you are eligible for legal aid or Public Defender services, you will still be eligible for benefits under the Plan, so long as you meet the eligibility requirements.

 

 

The Plan excludes any employment related matters as well as any action against you as the Policyholder and Member's Employer. If two Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

 

If you are awarded attorney's fees as a part of a court settlement, the Plan must be repaid from this award to the extent that it paid the fee for your attorney.

 

The Member’s spouse and Member’s unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 19, and from age 19 up to 26 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support.

 

To enroll, please visit your online portal that was designated by NVIDIA. 

 

If you elected coverage during open enrollment, coverage begins January 1 of the following plan year. For new hires it will begin on your date of hire.

 

Termination and Cancellation of Coverage provided to you shall terminate upon the first of the following to occur:

Coverage provided to a Covered Family Member of a Member shall terminate upon the first of the following to occur:

When coverage for a Member and/or Covered Family Member terminates and a matter is unresolved when coverage is terminated, then any further legal work between the Member and/or Covered Family Member and the Participating Attorney shall be outside the scope and coverage of the Plan. The Participating Attorney shall not be obligated to provide any benefits and any further legal services shall be based upon an independent and separate fee agreement entered into, if at all, between the former Member and/or Covered Family Member and the attorney. If such an agreement is not entered into, then the Participating Attorney may withdraw from any further representation in accordance with applicable law and State Bar standards.

 

The Member may continue coverage by electing the option of portability when the Member no longer qualifies as an eligible employee of the Policyholder or as a Member of the group to which the Plan is issued. The Member must apply for portability within sixty (60) days of this disqualifying event and make arrangements for premium payment. Portability coverage will take effect, subject to payment of the initial premium, as of the date the Member's coverage under the group policy terminates.

 

All attorneys are subject to the authority of the State Supreme Court and the State Bar of the state where they are licensed to practice. Your relationship with an attorney is privileged and strictly confidential. We will not interfere in the attorney-client relationship, nor in the attorney's independent exercise of his or her professional judgment. Attorneys are not certified specialists.

You shall authorize the Participating Attorney to provide the Legal Plan Administrator with information and supporting documentation on the number and type of services provided to the Member. Your use of the Plan and the legal services is confidential. Plan administrators will have access only to limited information needed for orderly administration of the Plan.

By using legal services benefits that are provided under the Plan, you agree that neither We, nor the Policyholder, nor any other person involved in the marketing or administration of the group policy, shall have any liability for the acts, errors or omissions of an attorney providing services, in whole or in part.

Plan Attorneys will refuse to provide services if the matter is clearly without merit, frivolous or for the purpose of harassing another person.

If you have a complaint about the legal services you have received or the conduct of an attorney, call LegalEASE at 1(888) 416-4313. Your complaint will be reviewed and you will receive a response within two business days of your call.

 

The coverage territory includes the United States of America and United States territories.

 

You have the right to retain at your own expense any attorney authorized to practice law in the state.

While your employer expects to continue to offer participation in the LegalEASE Plan, it reserves the right to amend, or terminate the Plan at any time.

 

The Legal Plan is provided for and administered through a contract with LegalEASE. LegalEASE has exclusive discretion to make all determinations regarding attorney's fees and what constitutes covered services, adoption of administration rules; to make factual determinations and interpret the plan, correct defects, supply omissions and reconcile inconsistencies to the extent necessary to effectuate the plan and such action will be conclusive upon the Company, the Plan, participants, employees, their dependents and beneficiaries; decide upon questions of eligibility and participation, prescribe procedure and election forms, to accept, modify or reject elections, and to settle any lawsuits against the Plan or Plan Administrator. All contributions collected from employees electing this coverage are paid to LegalEASE.

 

The cost of the plan is $18.00 monthly, via payroll deduction. You pay the cost of the Plan through after-tax payroll deductions.

 

LegalEASE verifies eligibility using information provided by your employer. When you call for services, you will be advised if you are ineligible and LegalEASE will contact your employer for assistance. If you are not satisfied with the final determination of eligibility, you have the right to formal review and appeal. See the procedures outlined in the next section.

 

If you are denied coverage by LegalEASE or by any Plan Attorney, you may appeal by sending a letter to:

LegalEASE

Director of Administration

5151 San Felipe Street, Suite 2300

Houston, Texas 77056

The Director will issue LegalEASE Legal Plan's final determination within 60 days of receiving your letter. This determination will include the reasons for the denial with reference to the specific Plan provisions on which the denial is based, and if applicable, a description of any additional information that might cause LegalEASE Legal Plans to reconsider the decision, and an explanation of the review procedure.

 

If you, your beneficiary or your authorized representative feel that an error has been made concerning your eligibility to participate in the Plan you, your beneficiary or your authorized representative may request reconsideration under the Plan. All requests for reconsideration must be submitted in writing to the Plan Administrator at the following address:

Attn: Plan Administrator

c/o LegalEASE

5151 San Felipe Street, Suite 2300

Houston, Texas 77056

The Plan Administrator will review your claim and respond to you with a determination. The decision of the Plan Administrator is final and binding.

 

LegalGUARD is the filed name of your new legal insurance plan. LegalGUARD is underwritten by Virginia Surety Company and is administered by LegalEASE.

 

 

 Knowing where to start can be challenging on your own. LegalEASE provides options when searching for an attorney. Members have choices listed below to access the best solutions for your individual situation.

Option 1: Live/Phone Concierge Matching Service If you are not sure where to start, have an escalated or complex legal issue, or you simply do not have the time to call providers on your own, contact the Live/Phone Concierge Matching Service and begin your assisted search for a provider. Google Hangouts is available from 8 am - 7 pm on non-holiday weekdays.   1 (888) 416-4313      More Information Begin the search for a provider by simply calling in and letting our concierge service do the work for you. The process to match you to an attorney based on your area of need and preferences typically takes less than 2 business days. Some legal needs may take longer depending upon geography and complexity of the matter at hand. Sit back and relax knowing we're working on your behalf. The main objectives of the Live Concierge Matching Service are to reduce the stress that can be caused by looking for an provider on your own and save you the time it can take locating the correct type of attorney that has availability to assist you with your legal need.

Option 2: LAMP™: LegalEASE Attorney Matching Portal A new option that allows you to receive the benefits of Live/Phone Concierge Matching assistance without speaking to someone on the phone to start a search. This may be the option for you if you want to fill out the questionnaire at your own pace, but still have the high touch of a concierge to match you to an attorney. Register on the Legal Corner Access the LegalEASE Attorney Matching Portal using the link below Access LAMP™

Option 3: Self Search Online Directory Register on the LegalCorner and utilize this option to generate a list of providers to contact at your convenience. Take this route if you want the maximum options at your fingertips when choosing a provider. This may not be the correct option for you if you have an escalated or complex legal issue. Register on the Legal Corner Access the Attorney Search Directory using the link below Go to Self Search Directory  More Information Begin a search for a provider online by simply choosing an area of law and a zip code of where a legal matter is occurring. If at any point you have a question, or are not finding what you need, simply contact the Live/Phone Concierge Matching Service at the number above. Not all providers agree to be listed in the online directory, meaning the concierge options have access to more options and providers in your area. Not all providers agree to be listed in the online directory, meaning the concierge assisted options may have access to more providers in your area. If you have a matter that is very time sensitive and need assistance, please contact the Live/Phone Concierge Matching Service to better assist you.