Amalgamated Life Insurance Company

Welcome

Benefits Proudly Offered to Amalgamated Life Insurance Company Employees

Be fully prepared and confident

with LegalEASE

Learn about legal insurance, a smart option for your protection.

Product Administered By: LegalEASE

We all make some sort of plan in life. But have you ever considered the possibility of a legal problem?

You've graduated from college and are planning for your future - where to get hired, which company will put you on the path to success. Whether to be single or date or settle down, and with the right person. Legal problems can be unexpected and interrupt your plans. LegalEASE provides coverage for your specific legal matter so you won't be caught off guard.

Protect your family’s future, with LegalEASE.

You work hard to make the right choices for your loved ones, especially when it comes to legal and financial matters. Get the peace of mind you want and the protection you need with a LegalEASE Plan. LegalEASE offers valuable benefits to shield your family and savings from unexpected legal issues.

According to the American Bar Association, more than 70 percent of U.S. households will have the need for a lawyer in the next 12 months. And the same study found most consumers feel uncertain about how to tell a good lawyer from a bad one. With LegalEASE you have access to a national network of credentialed attorneys and the help you need to find the best attorney for your legal matter with its concierge service.

Be fully prepared and confident with LegalEASE.

Nobody likes to be caught off guard, especially when it comes to legal matters. So how can you affordably protect you and your family from those unforeseen events? By becoming a LegalEASE member for less than a cup of coffee a day, your family and your wallet have the protection of the LegalEASE Plan. Life can be complicated. Finding a good attorney doesn’t have to be. With LegalEASE, it’s easy to choose the best attorney, because you get assistance from highly trained and qualified personal specialists who review the details of local attorneys and help you find your best source for legal advice. Being a LegalEASE member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

With a LegalEASE plan, you get:

An attorney with expertise specific to your legal matter
Access to a national network of attorneys with exceptional experience that are matched to meet your needs
Coverage for in and out-of-network
Online articles, tools and tips
Concierge help finding a better attorney and navigating common individual or family legal issues
Hours of financial counseling per year

Coverage

The value of a LegalEASE Plan.

Being a LegalEASE member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for:

Home and Residential
Financial and Money Matters
Consumer
Auto and Driving
Family and Personal
Civil Lawsuits
Estate planning and wills
Elder Law

LegalEASE Plan Coverage

Benefits are designed to meet the typical needs of an employee and their family. There are no deductibles to worry about for covered services. Benefits cover the attorney’s time. Other costs such as filing fees or court costs are not covered. Listed below are the types of matters that are covered by the LegalEASE Plan. This plan offers the convenience of in-network and out-of-network benefits. Many of the below areas are fully covered in-network.

Plan Cost

The LegalGUARD Plan is only $18.88 monthly, via payroll deduction.

Who's Covered?

The member’s lawful spouse and children, and for whom a premium is paid. Eligible family members are the policyholder’s spouse and policyholder’s unmarried dependent children, including stepchild, legally adopted child, child placed in the home for adoption and foster child, up to age 19, and from age 19 up to 25 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the policyholder for support.

PLAN COVERAGE COMPARED TO COSTS WITHOUT PLAN
ADVICE AND CONSULTATION	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Initial Law Office Consultation (One hour per calendar quarter)	Covered	$50/Consultation
Financial Helpline	Covered	N/A
Review of Simple Documents – Up to 6 pages	Covered	$60
CONSUMER	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Covered Family Member Lease Agreement - Tenant only Time Share Agreement	Covered	$60 $60 $60 $60 $60 $60/document $60/ Family Member document $60 $60
Consumer Dispute	Covered	$500 correspondence and negotiation $1,800 lawsuit filing and litigation
Small Claims Court Reprsentation	Covered up to 2 Hours	$120
WILLS AND ESTATE	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Simple Will or Codicil for: Member Spouse Covered Family Member	Covered	$135/Document $45 $90
Complex Will	25% Discount	Not Applicable
Living Will or Health Care Power of Attorney Family Member	Covered	$40 $20
Probate of Small Estate	Covered up to 2 Hours	$120
Living Trust Document	Covered	$240
HOME	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Purchase of Primary Residence including document preparation and closing	Covered	$500
Sale of Primary Residence	Covered	$500
Refinancing of Primary Residence	Covered	$300
Landlord/Tenant Dispute	Covered Subject to Managed Case Rules**	$2,000 maximum Subject to Managed Case Rules**
FINANCIAL	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Debt Collection Defense: Pre-Litigation Defense	Covered	$400
Debt Collection Defense: Trial Defense	Covered Subject to Managed Case Rules**	$1,000 maximum Subject to Managed Case Rules**
Foreclosure	Covered Subject to Managed Case Rules**	$450 negotiation and settlement plus $1,000 court proceedings maximum Subject to Managed Case Rules**
Bankruptcy (chapter 7 or 13)	Covered Subject to Managed Case Rules**	$750 maximum Chapter 7 $1,100 maximum Chapter 13 Subject to Managed Case Rules**
Tax Audit	Covered Subject to Managed Case Rules**	$450 negotiation and settlement plus $1,000 audit hearing maximum Subject to Managed Case Rules**
CIVIL	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Civil Litigation Defense	Covered Subject to Managed Case Rules**	$500 negotiation and settlement plus $1,500 trial maximum Subject to Managed Case Rules**
FAMILY	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Separation, Divorce, Civil Annulment: Uncontested Separation Consent/Default Divorce Uncontested Divorce	Covered up to 10 Hours	$200 $400 $500
Contested Divorce	$2,000 maximum Subject to Managed Case Rules**	$2,000 maximum Subject to Managed Case Rules**
Prenuptial Agreement	Flat Rate of $239	Not Applicable
Name Change	Covered	$200
Uncontested Guardianship/Conservatorship	Covered	$400
Uncontested Governmental Agency Adoptions	Covered	$300
Uncontested Stepparent Adoptions	Covered	$300
Juvenile Court Proceedings	Covered	$400 negotiation and settlement plus $1,200 trial maximum Subject to Managed Case Rules**
CRIMINAL	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Traffic Defense (resulting in suspension or revocation of license)	Covered	$500
Administrative proceeding (regarding suspension or revocation of license)	Covered	$250
Traffic Ticket Defense	Flat Rate of $89	Not Applicable
ADDITIONAL BENEFITS	LEGALEASE PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Elder Law	Covered	Not Applicable
Identity Theft Assistance	Covered	Not Applicable
Savings Assistance	Covered	Not Applicable
Immigration Assistance	Covered	Not Applicable
Mediation	Covered	Not Applicable

¹Some limitations may apply.

²Subject to managed case rules.

**Managed Case Rules require the following:

Member and/or Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney.
The attorney must provide a written estimate of fees reflecting his or her best judgmenet as to the likely conduct of the case.
We will set a maximum attorney fee that takes into account the reasonable level of reimbursement of the proceeding and the propsed litigation startegy. Fees as a result of services in excess of the maximum attorney fee are the responsiblity of the Member and/or Family Member.

Exclusions

This Policy excludes benefits for the following:

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 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.

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 this 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 Policy.

The Policy 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 Policy, 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.

Definitions

Definitions

“PLAN” ATTORNEY” - means an attorney associated with a private law firm, who is licensed to practice law in the Policyholder’s state. These attorneys have been contracted to provide legal advice and simple service by telephone to Policyholders.

“ADMINISTRATOR” - means LegalPlans USA, a licensed adjuster; or a properly licensed subsidiary.

“POLICY TERM” - means a Policy period of one year from the Policyholder’s initial effective date.

“MEMBER SERVICE CENTER” - means the service location established to help make full use of the Policy.

“COMPLEX WILL” - means the Policyholder has a significant net worth and will benefit from tax planning, or the estate is subject to current state or federal estate taxation; the Policyholder owns a business that will continue in operation after death; the Policyholder wants to put restrictions on what heirs may do with the property; the Policyholder wants to leave money to someone in a trust because the person cannot manage his or her 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; the Policyholder thinks that someone will challenge the will; and/or the Policyholder wants to exclude any lawful dependents.

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

“FAMILY MEMBER” - means the Policyholder’s lawful spouse and children, and for whom a premium is paid. Eligible Family Members are the Policyholder’s spouse and Policyholder’s unmarried dependent children, including stepchild, legally adopted child, child placed in the home for adoption and foster child, up to age 19, and from age 19 up to 25 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Policyholder for support.

“NON-PARTICIPATING ATTORNEY” - means an attorney not retained by Administrator who is selected and paid by the Policyholder to provide services covered under the Policy up to the maximum amount as shown in the Schedule of Benefits.

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

“PARTICIPATING ATTORNEY” - means an attorney retained by the Administrator to provide covered legal services at the amount as shown in the Schedule of Benefits.

“PLAN SPONSOR” - means an organization which makes coverage hereunder available.

“POLICYHOLDER” - refers to the individual who is named in the declarations page and who has paid the premium for Covered Services in the Policy.

“WE”, “US”, “OUR” AND “COMPANY” - means the name of the underwriter indicated on the declarations page of this Policy.

Covered Services

In consideration of payment and receipt by Us of the applicable premium, all Covered Services are available to a Policyholder and the Policyholder’s spouse and eligible dependents. Except as noted below, the following Covered Services are provided to the Policyholder when the Policyholder uses a Participating Attorney. The Schedule of Benefits chart shows the reimbursement schedule when the Policyholder uses a Non-Participating Attorney.

Advice and Consultation

LegalEASE Helpline:

Advice and consultation by toll-free telephone with a Plan Attorney. Services are available during normal business hours (EST). Calls can relate to any personal civil legal matter, except those specifically excluded.

Financial Helpline:

Consultation by toll-free telephone during normal business hours (EST). Calls can relate to investment strategies, debt matters, or any personal financial planning question.

Initial Law Office Consultations

Up to the maximum as shown in the Schedule of Benefits for office consultations with a Participating Attorney on any personal civil legal problem, except those specifically excluded.

Miscellaneous Law Office Services

Benefits not specifically covered or excluded hereunder to be provided at an amount shown in the Schedule of Benefits.

This benefit is limited to one use per year is subject to Managed Case Rules.

Review of Simple Document

The Plan Attorney will verbally explain the meaning or impact of any form or document, or make suggestions for changes to a form or 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.

OnLine Legal Access

Internet access to legal information and documents for many common legal situations. This feature is designed for Policyholders and/or Family Members who wish to independently research legal issues either before or after contacting a Plan Attorney. OnLine Legal Access can be activated through the internet by contacting the following website: www.vsc-legalease.com.

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, general power of attorney, lease agreement (tenant only), time share agreement, and simple affidavit.

This benefit is limited to one use per year.

Consumer Dispute

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

This benefit is limited to one use per year.

Small Claims Court Representation

Consultation and/or representation for a consumer dispute filed in small claims court.

This benefit is limited to one use per year.

Will and Codicil Preparation

Preparation of one simple will or codicil (an amendment to an existing will) for the Policyholder and spouse only, including the preparation of a simple testamentary support trust for the dependent children: Simple Will Preparation: Plan Attorney shall prepare a simple will or codicil for Policyholder and Family

Member and discuss the legal requirements for signing the will.

Complex Will Preparation

Plan Attorney shall prepare a complex will or codicil for Policyholder or Family Member at a discounted fee paid directly to the attorney as shown in the Schedule of Benefits.

Living Will and/or Health Care Power of Attorney

Preparation of living will and/or health care power of attorney for Policyholder and/or Family Member as authorized by state law. A living will expresses an individual’s wishes as to the use or withdrawal of life support systems. A health care power of attorney appoints another to make medical decisions if the individual is unable to do so him/her self.

This benefit is limited to one use per year.

Living Trust Document

Preparation of living trust documents. This benefit does not include services related to transactions to fund the trust or transfer assets into it.

This benefit is limited to one use per year.

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.

Real Estate Sale, Purchase or Refinancing of Primary Residence

The services of an attorney for the purchase, sale, or refinancing of a Policyholder’s primary residence (where the Policyholder has resided or intends to reside twenty-seven (27) weeks or more per year). This service includes the review or preparation of closing documents and/or attendance by the Policyholder’s attorney at closing in situations when it is customary 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 is limited to one closing use per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits.

Landlord/Tenant Disputes

Representation of the Policyholder and/or Family Member as a tenant in a dispute with his/her landlord.

This benefit is limited to one use per year and is subject to Managed Case Rules.

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.

This benefit is limited to one use per year. Trial defense benefit is subject to Managed Case Rules.

Bankruptcy

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

This benefit is limited to one use per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits.

Foreclosure

Defense of the Policyholder in an action to foreclose on the Policyholder’s primary residence (where Policyholder has resided or intends to reside twenty-seven (27) weeks or more per year).

This benefit is limited to one use per year and is subject to Managed Case Rules.

Tax Audits

Includes the services of an attorney (but not accounting services) during a personal (non-business related) tax audit process 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.

This benefit is limited to one use per year and is subject to waiting period, if any, as shown in the Schedule of Benefits. This benefit is subject to Managed Case Rules.

Separation, Divorce, Annulment

Legal representation of the Policyholder only for up to 10 hours in an uncontested separation, divorce, civil annulment, consent or default 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 10 hours; the Policyholder must pay the attorney’s fee for services in excess of 10 hours; (2) services relative to post-decree representation; or, (3) contested matters in which case the Policyholder must pay the attorney’s fee for services, unless this Policy provides coverage of contested matters and the benefit shall be in accordance with the Schedule of Benefits. A contested separation, divorce or civil annulment requires more than five (5) hours of attorney time, involves disputed issues and both parties are represented by an attorney.

This benefit is limited to one use per year( representation seeking or defending against interim or subsequent-to-decree order shall constitute a separate use) and applies to the Policyholder only. This benefit is subject to a waiting period, if any, as shown in the Schedule of Benefits. Contested divorce is subject to the Managed Case Rules.

Name Change

Services required to accomplish a legal name change for a Policyholder and/or Family Member.

This benefit is limited to one use per year.

Guardianship/Conservatorship

Services required to establish a Policyholder and/or Family Member as the guardian(s) or conservator(s) of another. This benefit does not include contested matters.

This benefit is limited to one use per year.

Uncontested Adoption

Legal representation for a Policyholder and/or Family Member of up to five (5) hours in an uncontested 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 courtappointed attorney for the child; or (3) adoptions(s) made through any agency other than a governmental agency. A contested adoption requires more than five (5) hours of attorney time and involves disputed issues. If the amount of an attorney’s time for uncontested adoption exceeds five (5) hours, or if the adoption becomes contested, coverage will terminate and the Policyholder and/or Family Member will be responsible for any additional legal fees.

This benefit is limited to one use per year.

Juvenile Court Matters

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

This benefit is limited to one use per year.

Civil Litigation Defense

Services related to the representation of a Policyholder and/or Family Member who is a named defendant in a covered civil lawsuit, up to and including the trial thereof. This benefit does not include: (1) any debt collection or family law matter; (2) lawsuits normally handled on a contingent fee basis; or (3) matters for which the Policyholder and/or Family Member has or is required by law to have insurance.

This benefit is limited to one use per year and is subject to a waiting period, if any, as shown in the Schedule of Benefits. This benefit is subject to the Managed Case Rules.

Traffic Defense

Services related to the representation of a Policyholder and/or Family Member who is charged by governing authorities with moving traffic violation(s) and conviction could result in suspension or revocation of a Policyholder’s and/or Family Member’s drivers’ license.

This benefit is limited to one use per year.

Administrative Proceeding

Services related to the representation of a Policyholder and/or Family Member in an administrative proceeding related to the suspension or revocation of driving privileges.

This benefit is limited to one use per year.

Savings Assistance Services

Your benefits package includes a Savings Assistance Plan as described below.

These benefits are in addition to plan services described in your Certificate of Coverage.

1. Consultation Services:

a) Plan members are entitled to an initial consultation with one of our Savings Coaches for savings information including how to get started, how much is the right amount, how can I possibly save, how can I create a savings plan, can I save while I am in debt, and similarly related topics.

2. Creation of Savings Plan Assistance:

a) Counselor assistance to help members with creating their own personal savings plan is also included in the Saving Assistance Coverage. This service will include charting projected income and expenses, helping the member understand when savings might work, managing expenses in debt, educational tools to make an informed decision, and advice on selecting savings amounts options. This section of the plan is designed to help members deal with their increasing debt and need to save.

3. Additional Follow-up Services:

a) Plan members may utilize one, free, thirty minute telephone consultation per year.

b) Follow-up consultations and help from Savings Coaches are also available to each plan member.

Identity Theft Prevention/Recovery Assistance

Coverage includes a basic Identity Theft HelpLine Service as well as a comprehensive Online Identity Theft Prevention and Assistance Service for covered members.

1) Advice and Consultation

a) Free ½ hour telephonic consultations (10 per year) with a Trained Identity Theft Recovery Specialist (consultations can also be online – member’s choice)

b) Online Assistance in understanding identity theft prevention

c) Unlimited access to complete identity theft legal issue law libraries

2) Additional Benefits

a) Personal Recovery Kit – designed to walk a victim of identity theft step-by-step through the process of recovery (designed to be utilized in conjunction with the free consultations with the Recovery Specialist).

b) Free Simple Recovery Letter preparation by plan attorney – a plan attorney will draft the simple affidavits to submit to specific agencies and organizations needed to establish the theft of your identity and prevent further loss of your identity and credit rating.

c) Free Review of necessary recovery legal documents (up to 6 pages each)

d) Up to $25,000 Expense Reimbursement for Identity Theft Losses That Cannot Be Recovered

Mediation Services

Your benefits package includes Mediation Services as described below. These benefits are in addition to plan services described in your Certificate of Coverage.

1. Consultation Services:

a) Plan members receive unlimited access to online information including domestic disputes, divorce or child custody proceedings, consumer problems, medical bill, warranties, loan disputes, workplace employee disputes, auto accidents, etc.

b) Members receive one free thirty minute consultation with a licensed mediator every quarter.

2. Mediation Counseling Assistance:

a) Assistance is available to assist members with understanding mediation and alternative dispute resolution. Examples of some topics are; charting projected lawsuit expenses, understanding when mediation might work, managing legal expenses in mediation, educational tools to make an informed decision, and advice on selecting mediator or other options.

b) These services are designed to help members deal with the increase in resolution pace.

3. Additional Mediation Services:

a) Plan members receive a 10% discount on Plan Mediators’ normal fees. This includes hourly rates and flat fees. However, this does not apply to Contingency Fees.

Elder Law Services

Your benefits package includes Elder Law Services as described below. These benefits are in addition to plan services described in your Certificate of Coverage.

1) Eligibility of Parents

a) Parents of the Plan Member and the Member’s Spouse, regardless of age, are eligible for benefits under the Elder Law coverage described herein.

b) The benefits specified below extend not only to the Member’s Parents and the Member’s Spouse’s Biological Parents, but their Step-Parents and Adoptive Parents as well.

2) Benefits for Elder Parents

a) Advice and Consultation

1. LegalADVISOR Helpline:

Member may receive advice and consultation by toll-free telephone with a Plan Attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal.

2. Financial Helpline:

Member will receive consultation by toll-free telephone during normal business hours. Calls can relate to investment strategies, debt matters or any personal financial planning question

b) Free Simple Wills & Living Wills

1. Simple Will Preparation:

Each Eligible Parent, as defined above, may receive one Simple Will per year at no charge. Plan Attorney will prepare the document and discuss the legal requirements for executing the Will.

Simple Will means the will maker does not have a significant net worth and will not benefit from tax planning, or the estate is not subject to current state or federal estate taxation; the will maker does not own a business that will continue in operation after death; the will maker does not want to put restrictions on what heirs may do with the property; the will maker does not want to leave money to someone in a trust because the person cannot manage his or her own affairs (such as a mentally handicapped child), or does not want 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; the will maker does not think that someone will challenge the will; and/or the will maker does not want to exclude any lawful dependents. Benefits provided by Legal Access Plans, L.L.C.

2. Living Will Preparation:

Eligible Parents, as defined above, may request one Living Will per year at no charge. Plan Attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the Living Will. A Living Will expresses an individual’s wishes as to the use or withdrawal of life support systems. d) Additional documents may be prepared for a minimal charge

Immigration Services

Your benefits package includes Immigration Services as described below. These benefits are in addition to plan services described in your Certificate of Coverage. The services below are provided for up to one Eligible Family Member, as described below, per year. Eligible Family Members include spouse, children up to any age, parents of member and spouse and siblings of member and spouse.

1. Advice and Consultation:

a) Plan Member or Eligible Family Member will receive up to one-half hour office consultation per issue with a participating attorney on any personal immigration matter.

2. Review of Immigration Documents:

a) A Plan Attorney will review and explain the meaning or impact of any immigration form or document, or make suggestions for changes to a form or document being drafted that is up to six (6) pages.

3. Discounted Rate:

a) Plan Member or Eligible Family Member receives a discounted hourly rate, up to a 25% discount from the Plan Attorney’s normal hourly rate, for additional representation. Flat fees may not be discounted.

4. Preparation for Hearings:

a) Plan Member or Eligible Family Member will receive up to two hours of general preparation for immigration hearings.

5. Preparation of Documents:

a) A Plan Attorney will prepare necessary affidavits and powers of attorney for the Plan Member or Eligible Family Member at no charge.

To access services, Plan Member or Spouse must call the Member Service Center and identify the family member for whom services are requested.

Flat Rate Benefits

Your benefits package includes benefits that will be covered at a flat rate charged to the member as described below. These benefits are in addition to plan services described in your Certificate of Coverage. Eligible Family Members include spouse and unmarried dependent children, including stepchild, legally adopted child, child placed in the home for adoption and foster child, up to age 19, and from age 19 up to 25 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.

1. Traffic Ticket Defense Flat Rate of $89:

a) Traffic defense generally includes the preparation of court documents and attendance at on a onetime only court hearing to settle the issue. Does not include court costs, fines, additional hearings or other related expenses. Does not apply in jurisdictions that consider traffic offenses to be criminal matters.

2. Preparation of Prenuptial Agreement Flat Rate of $239:

a) This service covers the preparation of an agreement by a Plan Member and his or her 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 Plan Member. The fiancé/partner must have separate counsel or must waive representation. To access services, Plan Member or Spouse must call the Member Service Center.

Obtaining Policy Benefits

Telephone Advice and Consultation on Legal and Financial Matters

Consultation by toll-free telephone with an attorney. Services are available during normal business hours (EST). Calls can relate to any personal civil legal matter, except those specifically excluded herein.

Financial Helpline:

Consultation by toll-free telephone during normal business hours (EST). Calls can relate to investment strategies, debt matters, or any personal financial planning question.

Claim for Benefits

1. Policyholders must 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. Failure to notify the Member Service Center within thirty (30) days following consultation with an attorney may result in a denial of benefits.

Policyholders may reach the Member Service Center at 888-416-4313, 5850 San Felipe, Suite 600, Houston, TX 77057.

2. To obtain benefits under the Managed Case Rules:

Policyholders and/or Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney. The attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely conduct of the case. We will set a maximum attorney fee that takes into account the reasonable level of reimbursement for the proceeding and the proposed litigation strategy. Fees as a result of services in excess of the maximum attorney fee are the responsibility of the Policyholder and/or Family Member.

3. Policyholders actively receiving services under this Policy must remain enrolled and continue to pay premium hereunder. All Policy benefits will be subject to subrogation.

4. Upon completion of a Covered Service, the Policyholder and/or Family Member will be required by the Participating Attorney to sign a confirmation of completion.

5. If the Policyholder and/or Family Member pays for pre-authorized services provided by a NonParticipating Attorney, the Policyholder must submit a reimbursement form (provided by Member Service Center) accompanied by an original itemized bill within sixty (60) days after incurring the legal fees. Benefits provided to the Policyholder and/or Family Member for covered services subject to the maximum as shown in the Schedule of Benefits.

6. If coverage terminates while a submitted claim for Covered Services is ongoing, coverage will continue for that claim only until the earlier of: (a) settlement of the claim; (b) ninety (90) days from the original termination date; (c) the final disposition of the claim adverse to the Policyholder/Family Member; (d) the Policyholder/Family Member is found to have committed the alleged wrongful act; or (e) the limits of liability are exhausted.

Disputes Between Policyholder and Family Member

In the event that the Policyholder and one of the Family Members are involved as adversaries in a dispute that is a Covered Service, the Policy will cover the Policyholder only.

If two or more Family Members are involved in a dispute that is otherwise covered under the Policy, the Policy will provide no coverage.

If two Policyholders are involved as adversaries in a dispute that is a Covered Service, the Policy will provide separate coverage for each Policyholder.

Exclusions

The Policy excludes benefits for the following:

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

Legal services relating to criminal matters (i.e. misdemeanor or felony).

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 government (domestic or foreign) entity or agency; 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 Policyholder as his or her primary residence, is deemed an investment or income-producing property.

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

Costs associated with covered legal services, including but not limited to, all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, opposing attorney fees, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgements, 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 Family Member against the interests of the Policyholder.

Any employment-related matter. This includes, but is not limited to, any dispute involving the Policyholder’s employer or its affiliates, their officers or directors, any employee benefit plans, credit unions, programs or arrangements sponsored by the Policyholder’s 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 of the Policy; Administrator or its subsidiaries; Policyholder’s employer; Virginia Surety Company, Inc. it’s parent, 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 Policy.

Except regarding LegalEASE Helpline and Financial Helpline services, the Policy will not provide benefits in connection with pre-existing matters, which includes any matter where the Policyholder and/or Family Member is on notice as to a pending legal dispute or has previously contacted an attorney.

General Provisions

Attorney-Client Relationship

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. The Policyholder’s 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.

Policyholder shall authorize Participating Attorney to provide the Administrator with anonymous statistical reports on the number and type of services provided to Policyholder.

By using legal services benefits for which are provided under the Policy, the Policyholder agrees that neither

We 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, under the Policy.

Non-Participating Attorney Services

If the Policyholder already has an attorney, the Policyholder may prefer to use her/him as a Non-Participating Attorney. To do so, the Policyholder must first contact the Member Service Center and notify the representative of his/her intention to use a Non-Participating Attorney for a Covered Service. The Member

Service Center will send the Policyholder a claim form to request reimbursement from the Policy. The Policyholder’s reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits.

Legal Terminology

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

Coverage Period

The coverage period is automatically renewable upon receipt of the appropriate premium unless terminated in accordance with the terms hereof.

Coverage Territory

The coverage territory includes the United States.

Premium Refund Provision

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

Termination and Cancellation of Coverage

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

a. Cancellation or termination of this Policy;

b. If applicable, the Policyholder fails to renew; or

c. The Policyholder fails to remit premium when due, subject to the statutory grace period. Coverage provided to Family Member of a Policyholder shall terminate upon the first of the following to occur:

a. The Policyholder’s coverage is cancelled or terminated; or

b. The Family Member ceases to be an eligible Family Member of the Policyholder’s coverage.

If coverage terminates while a submitted claim for Covered Services is ongoing, coverage will continue for that claim only until the earlier of: (a) settlement of the claim; (b) ninety (90) days from the original termination date; (c) the final disposition of the claim adverse to the Policyholder/Family Member; (d) the Policyholder/Family Member is found to have committed the alleged wrongful act; or (e) the limits of liability are exhausted.

Any further legal work between said Policyholder and/or Family Member and the Plan Attorney shall be outside the scope and coverage of the Policy. The Plan Attorney shall not be obligated to provide any benefits under the Policy and any further legal work shall be based upon an independent and separate fee agreement entered into, if at all, between the former Policyholder and/or Family Member and the attorney. If such an agreement is not entered into, then the Plan Attorney may withdraw from any further representation in accordance with applicable law and State Bar standards.

If this Policy has been in effect for sixty (60) days or less, the Company may cancel this Policy by providing written notice to the Policyholder at least twenty (20) days prior to the effective date of cancellation.

After this Policy has been in effect for sixty (60) days or more, it may be cancelled for one of the following reasons:

a. Nonpayment of premium;

b. Conviction of a crime arising out of acts increasing the hazard insured against;

c. Discovery of fraud or material misrepresentation in the obtaining of the Policy or in the presentation of a claim thereunder:

d. Discovery of an act or omission, or a violation of any Policy condition, that substantially and materially increases the hazard insured against, and which occurred subsequent to inception of the current Policy period;

e. Material physical change in the property insured, occurring after issuance or last annual renewal anniversary date of the Policy, which results in the property becoming uninsurable in accordance with the Company’s objective, uniformly applied underwriting standards in effect at the time the Policy was issued or last renewed; or material change in the nature or extent of the risk, occurring after issuance or last annual renewal anniversary date of the Policy, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the Policy was issued or last renewed;

f. A determination by the Superintendent of Insurance that continuation of the present premium volume would jeopardize the insolvency or be hazardous to the interests of policyholders of the Company, its creditors or the public;

g. A determination by the Superintendent of Insurance that the continuation of the Policy would violate, or would place the Company in violation of any provision of the insurance laws of this state; or

h. Where the Company has reason to believe, in good faith and with sufficient cause, that there is a probable risk or danger that the insured will destroy, or permit to be destroyed, the insured property for the purpose of collecting the insurance proceeds, provided, however, that:

(i) A notice of cancellation on this ground shall inform the insured in plain language that the insured must act within ten (10) days if review by the Department of Insurance of the ground for cancellation is desired;

(ii) Notice of cancellation on this ground shall be provided simultaneously by the Company to the Department of Insurance; and

(iii) Upon written request of the insured made to the Department of Insurance within ten (10) days from the insured’s receipt of notice of cancellation on this ground, the Department shall undertake a review of the ground for cancellation to determine whether or not the Company has satisfied the criteria for cancellation specified in this subparagraph; if after such review the Department finds no sufficient cause for cancellation on this ground, the notice of cancellation on this ground shall be deemed null and void.

The Company shall provide written notice of cancellation to the Policyholder at least fifteen (15) days prior to the effective date of such cancellation.

Premium Remittance

Policyholder shall remit premium to Company no later than the 10th calendar day following the month for which Policy coverage is provided.

Grace Period

The Policy provides Policyholder a grace period of thirty-one (31) days after the premium due date to remit the premium that is due and unpaid. During the grace period, this Policy will continue in effect. If the premium for covered Members remains unpaid at the end of the grace period, the Policy will terminate. Termination will be effective at 12:01 a.m. on the thirty-second (32nd) day following the due date for which premium remains unpaid. Policyholder shall remain liable for the prorata portion of all premiums that accrue for the period this Policy is in effect.

Amendment of the Policy

The Policy may be amended or changed at any time by the Company upon written notice thereof and signed by a duly authorized representative. No agent, broker or sales representative may make any change in this Policy or waive any of its provisions.

Notice of Policy Provisions

Notice to any agent or knowledge possessed by any agent shall not effect a waiver or change any part of the Policy or stop Us from asserting any right under the terms of the Policy; nor shall terms of the Policy be waived or changed except as stated above.

Change in Premium

We shall provide the Policyholder thirty (30) days prior written notice of any change in premium.

Arbitration

The issuance of this coverage takes place in and substantially affects interstate commerce. Any dispute, controversy, or cause of action by the Policyholder arising out of or relating in any way to, this insurance, or to the sale or solicitation of this insurance, shall be settled by arbitration under the provision of the Federal Arbitration Act, 9 U.S.C., section 1, et seq. Such arbitration shall be governed by the rules of the American Arbitration Association. The arbitration shall be conducted at our home office or such other location as We and the Policyholder agree. The arbitration panel shall consist of three arbitrators, one selected by Us, one selected by the Policyholder and one selected by the arbitrators previously selected. If We, a Policyholder, or a third party have any dispute that is directly or indirectly related to a dispute governed by this arbitration provision, the Policyholder and We agree to consolidate all such disputes.

The arbitration shall be binding upon the Policyholder and Us. Any award may not be set aside in later litigation except upon the limited circumstances set forth in the Federal Arbitration Act. The Policyholder and

We give up the right to seek remedies in Court, including the right to a jury trial. Judgment upon the award rendered may be entered in any Court having jurisdiction thereof. The arbitration expenses shall be borne by the losing party or in such proportion as the arbitrators shall decide.

Policy Conformed to Statute

Any terms of the Policy which are in conflict with the statutes of the jurisdiction where issued, are amended to conform to the statutes.

Assignment of Benefits

The benefits provided under this Policy are not assignable.

Entire Contract

This Policy and endorsement(s), if any, constitutes the entire contract of insurance.

Network

About the Network of Attorneys

When going in for surgery, you don’t want a surgeon that has a poor track record or only a couple years experience. We feel that a legal need is just as important.

Help Focus Infrastructure

When it comes to finding an attorney, an employee can waste days looking for the right one, even with a legal plan. Our process has a Help Focus Infrastructure. We focus on our relationships with our Providers to help us help your employees, faster. Our Attorney Match Technology and dialogue with attorneys and members ensures the right help the first time. Matching an employee to the right help expedites solutions while saving time and stress.

Standards and Qualifications

The credentialing standards that we utilize to vet our providers is the most stringent in the country. We focus on years of experience, as well as insurance and discipline, as well as penalty of perjury submissions with extensive back ground checks.

Under the Provider Network, your employees will receive legal help from professionals with many of these service characteristics:

Experience in the Legal Matter Needed
Quality Time Spent in Consultations
Years of Legal Training and Experience
Up-to-date Legal Training Each Year
Lawyers Who are Service-Oriented
Lawyers Who Have a Solid Local Reputation in their Communities
Exceptional Backgrounds
Years of Courtroom and Trial Experience

Provider Standards of Care

The Network Provider shall strive to provide the highest quality of legal representation and service to Plan Members.

Plan Providers Agree to the Following:

To comply at all times with the Rules of Civil Procedure and Criminal Procedure and the Rules of Professional Conduct applicable to the jurisdiction.
To return member's calls promptly, within one business day, and communicate with members such that a member and the member's family do not voice substantiated concerns over promptness or frequency of your or your firm's communication.
To not enter continuances, adjournments, or the like without the member's comfort and consent.
To not arrange for substitutions or stand-ins unless the member has been previously advised and that the member understands that you remain responsible for the case and to contact you if there is any concern or if proceedings do not go as planned.
To always respect a member, their needs and family.
To maintain a professional office, in staffing and appearance.
To fully explain yourself such that a member has an understanding for the reasons behind your recommendations and suggestions, even if a member may not hire your firm.
To not complete any additional work that will result in a fee to the member, where not covered by the member's plan, until a fee arrangement is fully understood by the member and there is a written agreement.
To help each member individually and ensure that everything you do is in the interest of the member.
To notify LegalEASE if there is or may be the possibility of a conflict of interest or violation of ethical codes.
To notify LegalEASE if there may be a misunderstanding or potential service issue where there may be a complaint without breaking any client confidences.
To direct any grievances or concerns, such as process procedure or billing, to Legal Access and not a member.
To not refer any member to another attorney without the knowledge and consent of Legal Access if you cannot assist.
To take responsibility and uphold the highest standards of customer service delivered by any and all firm staff or employees that have interaction with members.
To communicate and cooperate with LegalEASE on any concern, inquiry or issue and return any communication from Legal Access within one business day.

About

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 in which they may not be the experts. 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 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.