Cayuga Centers

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Benefits Proudly Offered to Cayuga Centers Employees

Be fully prepared and confident

with LegalEASE

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

LegalEASE can help ease the two biggest stresses -finding and paying for an attorney.

Nobody likes to be caught off guard, especially when it comes to legal matters. 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
Concierge help finding a better attorney and navigating common individual or family legal issues
Hours of financial counseling and coaching

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.

Coverage

The Value of a LegalEASE Benefits Plan.

Being a LegalEASE benefits plan 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

LegalEASE Benefits 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 benefits 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 LegalEASE Plan is $18.26 monthly, via payroll deduction.

Who's Covered?

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 26.

Schedule of Benefits
Advice and Consultation	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
LegalEASE Helpline	Covered	Not Applicable
Initial Law Office Consultation one hour per calendar year	Covered	Not Applicable
Review of Simple Documents Review of documentation up to 6 pages	Covered	Not Applicable
Financial Advisor	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Financial Helpline	Covered	Not Applicable
Miscellaneous Services	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Legal Services for any non-excluded legal matter not specifically covered in the Schedule up to 10 hours per year	Covered	$60/hour
Discounted Legal Services for any non-excluded legal matter	25% Discount on Attorney's Hourly Rates	Not Applicable
Consumer Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Family Member Lease Agreement - Tenant only Time Share Agreement	Covered	$65 $55 $55 $55 $55 $55 $65 $55
Consumer Dispute	Covered	$595
Small Claims Court Reprsentation	Covered	$300
Mail Order or Internet Purchase Dispute	Covered	$300
Bank Fee Dispute	Covered	$300
First-time Vehicle Buyer	Covered	$300
Vehicle Repair and Lemon Law Litigation	Covered	$300
Cell Phone Contract Dispute Contract review up to 6 pages Representation	Covered	$300
Personal Property Protection	Covered	$300
Warranty Dispute Warranty review up to 6 pages Representation	Covered	$300
Health Care Coverage Dispute and Records Office consultation Document Preparation Document Review	Covered	$300
Estate Planning	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Simple Will or Codicil for: Member Spouse Family Member	Covered	$80
Complex Will	Covered	$310
Living Will/Health Care or Advance Directive	Covered	$55
Health Care or Medical Power of Attorney	Covered	$55
Revocable or Irrevocable Living Trust Document	Covered	$310
Funeral Directive	Covered	$55
Hospital Vistation Authorization	Covered	$55
Probate of Small Estate	Covered subject to Managed Case Rules*	$1,275 maximum subject to Managed Case Rules*
Medicare/Medicaid/Social Security Proceeding	Covered	$850
Social Security Administration Benefit Appeal	Covered	$850
Veterans Benefits Appeal	Covered	$720
Elder Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Will Preparation	Covered	$80
Living Will/Health Care or Advanced Directive	Covered	$55
Durable Financial Power of Attorney	$45/Co-Pay	Not Applicable
Health Care or Medical Power of Attorney	$45/Co-Pay	Not Applicable
Elder Law Matters	Covered	$425
Residential Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Purchase of Primary Residence	Covered	$490
Sale of Primary Residence	Covered	$365
Refinancing of Primary Residence	Covered	$385
First Time Home-Buyer	Covered	$425
Vacation or Investment Home Purchase/Sale/Refinancing	Covered	$425
Home Equity Loan Assistance	Covered	$360
Property Tax Assessment	Covered	$360
Property Tax Dispute	Covered	$360
Tenant Dispute	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Tenant Security Deposit Dispute	Covered	$850
Landlord Dispute with Tenant Pre-litigation activities Trial Representation	Covered up to 10 hours with remainder at 25% discount	$595
Security Deposit Dispute with Tenant	Covered up to 10 hours with remainder at 25% discount	$595
Construction Defect Dispute	Covered	$425
Neighbor Dispute	Covered	$765
Noise Reduction Dispute	Covered	$765
Boundary or Title Dispute	Covered	$595
Zoning Application	Covered	$595
Real Estate Dispute	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Financial Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Debt Collection Defense Pre-litigation defense activities Trial defense	Covered	$425 $850
Garnishment Defense	Covered	$850
Bankruptcy (Chapter 7 or 13)	Covered	$935
Foreclosure	Covered	$680
Tax Audit	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Tax Defense	Covered	$850
Student Loan Refinancing/Collection Defense	Covered up to 7 hours with remainder at 25% discount	$420
Repossession Defense	Covered	$850
Family	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Separation, Divorce, Civil Annulment Uncontested Separation or Civil Annulment Consent/default Divorce Uncontested Divorce	Covered	$595
Contested Divorce	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Post-Divorce Proceedings, as defined	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Domestic Partnership Agreement	Covered	$320
Prenuptial Agreement	Covered	$680
Name Change	Covered	$255
Gender Identifier Change	Covered	$240
Egg/Sperm/Embryo Donation Agreement	Covered	$480
Guardianship/Conservatorship	Uncontested: Covered Contested: Covered	$365 $765
Governmental Agency Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Stepparent Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Child Custody/Support Involving Never-Married Parents of a Child	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Protection from Domestic Violence	Covered	$595
Juvenile Court Proceedings	Covered	$470
School Administrative Proceeding	Covered	$425
Immigration Assistance	Covered up to 10 hours with remainder at 25% discount	$595
Parental Responsibility Matters	Covered	$595
Civil	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Civil Litigation Defense	Covered	$1,700 maximum subject to Managed Case Rules*
Incompetency Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Administrative Hearing Representation	Covered	$1,275 maximum subject to Managed Case Rules*
Discounted Contingency Fees	10% discount on state maximum, or a maximum of 29% pre-trial, 36% at trial, or 40% in an appeal	Not Applicable
Mediation	10% discount on Mediator’s hourly rates	Not Applicable
Criminal Defense	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Traffic Ticket	Covered	$215
Serious Traffic Matters (resulting in suspension or revocation of license)	Covered	$425
Administrative Proceeding (resulting in Suspension or Revocation of License)	Covered	$255
Habeas Corpus Proceedings	Covered	$850

Limitations apply.

* Managed Case Rules

In cases requiring more attorney time than covered by the standard Participating Attorney maximum fee, Managed Case Rules may be used to approve additional coverage beyond the standard Participating Attorney maximum fees. They are also used to ensure that Non-Participating Attorney fees are reasonable and customary. Managed Case Rules provide protection for You by limiting or preventing additional charges that You would otherwise be responsible for. Managed Case Rules may be enacted prior to or after the initial consultation. Managed Case Rules require the following:

1. You should contact the Member Service Center prior to proceeding with an attorney. If You understand from the attorney that there may be additional charges beyond the covered charges under the Policy call the Member Service Center. If You do not contact the Member Service Center prior to proceeding with the attorney, then You may be responsible for those additional charges beyond the covered charges under the Policy, even on a Paid In Full benefit.

2. If it is determined that the complexity of the case may require additional hours beyond the standard Participating Attorney maximum, or that the Non-Participating Attorney charges are higher than reasonable and customary fees, the attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely cost of legal services based on the expected conduct of the case.

3. We will set a maximum attorney fee that takes into consideration the reasonable level of reimbursement of the proceeding and the proposed litigation strategy. Fees as a result of services in excess of the maximum attorney fee are Your responsibility.

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; LegalEASE 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

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

“COMPLEX WILL” – means:

(a) You have a significant net worth and will benefit from tax planning, or

(b) the estate is subject to current state or federal estate taxation; or

(d) You want to put restrictions on what heirs may do with the property; or

(e) You 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

(f) You 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; or

(g) You think that someone will challenge the will; or

(h) You want to exclude any lawful dependents.

The inclusion of a pour-over provision in a will does not, by itself, make a will complex.

VSC_LP_B1_DEF_CW (202103)

“COVERED FAMILY MEMBER” – means Your spouse/domestic partner and Your or Your spouse/domestic partner's dependent children, including stepchildren, legally adopted children, children placed in the home for adoption, foster children, and children who are under sole legal guardianship of You or spouse/domestic partner up to age 26.

VSC_LP_B1_DEF_CFM-6 (202103)

“DOMESTIC PARTNER” – means Your domestic/civil union partner as defined by the jurisdiction in which You primarily resides.

VSC_LP_B1_DEF_DP (202103)

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

“ELIGIBLE PARENT” – means Your or Covered Spouse’s parents, regardless of age. It includes, biological parents, step-parents and adoptive parents.

VSC_LP_B1_DEF_EP (202103)

“HEALTH CARE COVERAGE” – means Your coverage under any health care or health insurance policy. It also means any policy that covers as its primary function any aspect of an individual’s health.

VSC_LP_B1_DEF_HCC (202103)

“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 him/her self.

VSC_LP_B1_DEF_HCPOA (202103)

“INTERNET PURCHASE” - A purchase of goods or services whose cost is over $200.00 at the time You purchase from a website on the Surface Web.

VSC_LP_B1_DEF_IP (202103)

“LEGAL PLAN ADMINISTRATOR” – LegalEASE,

(a) its affiliates, officers, directors, employees, and/or

(b) agents, including third party organizations and their affiliates, officers, directors, employees, and/or

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

VSC_LP_B1_DEF_LW (202103)

“MEMBER” - refers to the individual who

(a) is associated with the Policyholder and/or Plan Sponsor,

(b) has either paid a premium or had a premium paid on his or her behalf, and

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

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

VSC_LP_B1_DEF_NEI (202103)

“NON-PARTICIPATING ATTORNEY” - means an attorney not contracted by the Legal Plan Administrator who:

· is selected and

· paid by the You

to provide covered legal services.

Covered legal services are provided up to the maximum amount shown under the Non-Participating Attorney column of the Schedule.

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

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

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

VSC_LP_B1_DEF_PPROP (202103)

“PLAN SPONSOR” - means an organization other than the Policyholder or the Your employer that makes coverage hereunder available.

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

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

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

VSC_LP_B1_DEF_RP (202103)

“SURFACE WEB” – means the portion of the World Wide Web that is readily available to the general public and searchable via standard web search engines.

VSC_LP_B1_DEF_SW (202103)

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

“YOU” AND “YOUR” – means Member.

VSC_LP_B1 (202103)

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

VSC_LP_B1_DEF_WP (202103)

COVERED SERVICES

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

VSC_LP_C1 (202103)

Advice and Consultation

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, except those specifically excluded.

VSC_LP_C1_CS_M_000-2 (202103)

Initial Law Office Consultation:

Office consultations with an attorney on any personal legal problem, except those specifically excluded.

VSC_LP_C1_CS_M_001 (202103)

Review of Simple Documents:

This benefit includes:

(a) attorney review,

(b) verbal explanations of the meaning or impact of any form or document, or

of up to the maximum number of pages as shown in the Schedule.

This benefit does not include a written analysis of any form or document.

VSC_LP_C1_CS_M_002 (202103)

Miscellaneous Law Office Services

Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to:

(a) review and/or prepare documents, or

(b) any other service required on any legal matters not listed as a Covered Service or Exclusion.

This benefit may not be used to extend the coverage for any other service shown in the Schedule beyond the limits of coverage. This benefit is limited to the maximum number of hours shown on the Schedule per year.

Discounted Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to:

(a) review and/or prepare documents, or

(b) any other service required on any legal matters not listed as a Covered Service or Exclusion.

This benefit may be used to extend the coverage for any other service shown in the Schedule beyond the limits of coverage.

VSC_LP_C1_CS_M_004 (202103)

Consumer Matters

Document Preparation:

Preparation of any of the following documents:

VSC_LP_C1_CS_M_005 (202103)

· Simple Deed

VSC_LP_C1_CS_M_210 (202103)

· Promissory Note

VSC_LP_C1_CS_M_220 (202103)

· Consumer Dispute Correspondence

VSC_LP_C1_CS_M_230 (202103)

· Installment Sales Agreement

VSC_LP_C1_CS_M_240 (202103)

· Simple Affidavit

VSC_LP_C1_CS_M_250 (202103)

· General Power of Attorney

VSC_LP_C1_CS_M_310 (202103)

· Lease Agreement (for You/Covered Family Member as a tenant only)

VSC_LP_C1_CS_M_320 (202103)

· Time Share Agreement

VSC_LP_C1_CS_M_330 (202103)

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).

VSC_LP_C1_CS_M_390-2 (202103)

Mail Order or Internet Purchase Dispute:

The services of an attorney to review the nature of any:

(a) mail order or

(b) Surface Web Internet Purchase

dispute involving the purchaser. This service includes

(a) the consultation with the attorney and review and/or

(b) preparation of purchase documents and/or

If litigation is commenced in this matter, the benefit will cover up to the maximum shown on the Schedule.

VSC_LP_C1_CS_M_363 (202103)

Bank Fee Dispute:

The services of an attorney to review the nature of any (non-business related) bank fee dispute between You and Your bank.

This service includes:

(a) the consultation with the attorney and

(b) review and/or preparation of purchase documents and/or dispute letters.

If litigation is commenced in this matter, the benefit will cover up to the maximum shown on the Schedule.

VSC_LP_C1_CS_M_364 (202103)

First-time Vehicle Buyer:

The services of an attorney for the purchase of a first vehicle. This service includes:

(a) the consultation with the attorney at or before closing and/or

(b) review and/or preparation of purchase and finance documents.

This benefit is limited to one vehicle purchase per year and must be Your/Covered Family Member’s first vehicle purchase.

VSC_LP_C1_CS_M_365-2 (202103)

Vehicle Repair and Lemon Law Litigation:

Services related to Your representation when 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:

(a) any lawsuit related to matters that are not specifically listed under the provisions of the applicable state fraud laws;

(b) lawsuits normally handled on a contingent fee basis;

(d) matters for which You have or are required by law to have insurance.

VSC_LP_C1_CS_M_366 (202103)

Cell Phone Contract Dispute:

Review of the cell phone contract where the attorney will:

(a) verbally explain the meaning or impact of any form or document or

(b) make suggestions for changes to a form or document being drafted,

of up to maximum number of pages shown on the Schedule.

In the event of a dispute over the terms of the agreement between the cell phone company and You, this benefit provides for representation in a dispute relating to the cell phone contract only if You have been sued or named in a court action. This service covers:

(a) counseling on prosecuting a court action;

(b) helping You prepare documents;

(d) preparing You for trial.

The service does not include:

(a) the attorney’s attendance or representation at a trial,

(b) collection activities after a judgment or

any services relating to post-judgment actions.

VSC_LP_C1_CS_M_367 (202103)

Personal Property Protection:

Services cover counseling over the phone or in the office on any Personal Property issue, including:

(a) consumer credit reports,

(b) contracts for the purchase of Personal Property,

(d) installment sales agreements,

(e) pursuing or defending small claims actions.

The benefit includes reviewing personal legal documents and preparing promissory notes, affidavits and demand letters.

VSC_LP_C1_CS_M_370 (202103)

Warranty Dispute:

Review of the warranty policy or service contract where the attorney will:

(a) verbally explain the meaning or impact of any form or document or

(b) make suggestions for changes to a form or document being drafted

up to the maximum number of pages shown on the Schedule.

In the event of a dispute over the terms of the agreement between the warranty company and You, this benefit provides representation in a dispute relating to the warranty or service contract only if You have been sued or named in a court action.

This service covers:

(a) counseling on prosecuting a court action;

(b) helping You prepare documents;

(d) and preparing You for trial.

VSC_LP_C1_CS_M_368 (202103)

Health Care Coverage Dispute and Records:

Up to the maximum as shown in the Schedule for office consultations with an attorney on any Health Care Coverage dispute, involving a:

(a) coverage,

(b) benefits, or

that arose while the health care or health insurance policy was in effect (as defined by the terms of that health care or health insurance policy).

For a definition of Health Care Coverage, please see the Definitions section.

This benefit is designed to help You understand:

(a) health care law provisions and coverages based on the federal and/or state version of this law, and

(b) to prepare a bona fide defense to any denials in coverage valued at more than $1,000.00 in covered medical services under the policy in dispute.

This benefit also includes:

(a) the review of simple health care policy coverage documents and

(b) the attorney will verbally explain the meaning or impact of any policy or related document or

of up to the maximum number of pages as shown in the Schedule.

This benefit does include a written analysis or explanation of any form or document.

This benefit does include the preparation of any of the following documents, up to the maximum number of pages shown on the Schedule:

(a) policyholder dispute correspondence, and

(b) simple affidavit.

Partial documents cannot be reviewed or prepared, and if the document other than the actual health care coverage policy is more than the maximum number of pages shown in the Schedule, the benefit does not apply.

Nothing in this benefit will pay or create any obligation to pay any health care or health insurance benefits to any person for any reason. Any coverage related to this benefit must be related to Your dispute under a health care or health insurance policy.

VSC_LP_C1_CS_M_369 (202103)

Estate Planning

Will or Codicil Preparation:

Preparation of one will or codicil (an amendment to an existing will), including the preparation of a simple testamentary support trust for the dependent children:

VSC_LP_C1_CS_M_400A (202103)

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. For a definition of Complex Wills, please see the Definitions section.

VSC_LP_C1_CS_M_400 (202103)

Complex Will Preparation: Attorney shall prepare a Complex Will or codicil.

VSC_LP_C1_CS_M_430 (202103)

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:

(a) Living Will

(b) Health Care Directive

(d) Health Care Power of Attorney

(e) 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 both documents, and can be combined to increase the total allowed benefit.

VSC_LP_C1_CS_M_440/450 (202103)

Revocable or Irrevocable Living Trust Document:

Preparation of a revocable or irrevocable living trust for You and/or Covered Family Member. 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.

VSC_LP_C1_CS_M_460 (202103)

Funeral Directive:

Preparation of a funeral directive for the Member/Covered Family Member.

VSC_LP_C1_CS_M_465 (202103)

Hospital Visitation Authorization:

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

VSC_LP_C1_CS_M_466 (202103)

Probate of Small Estate:

The service of an attorney for the probate of a small estate up to the maximum as shown in the Schedule. The estate must not be subject to current state or federal estate taxation.

VSC_LP_C1_CS_M_470 (202103)

Medicare/Medicaid/Social Security Proceeding:

This benefit will cover review or help with preparation of documents prior to Your and/or Covered Family Member representation in any federal or state

(a) Medicare,

(b) Medicaid or

administrative proceeding (including matters related to the Member’s or Covered Spouse’s elder parent(s)), provided the elder parent’s interest is not in conflict with Your/Covered Spouse’s interest.

This benefit does cover:

(a) any matter that falls outside the jurisdiction of the Office of Medicare Hearings and Appeals,

(b) state office assigned to oversee Medicaid fair hearings, or

This benefit applies to consultation or representation in a dispute relating to any such administrative proceeding and is covered up to the maximum shown in the Schedule. Consultation and/or preparation and assistance for any proceeding filed in court is also covered. You will be responsible for all fees incurred for representation needed after the maximum shown on the Schedule.

This benefit does not cover Your/Covered Spouse’s elder parents if neither You nor the Covered Spouse are named in any dispute, proceeding or litigation.

VSC_LP_C1_CS_M_480 (202103)

Social Security Administration Benefit Appeal:

Up to the maximum as shown in the Schedule for office consultations on any:

(a) appeal to the Social Security Administration of denied social security benefits or

(b) supplemental security income (SSI).

This benefit is designed to help prepare an appeal to any denials valued at more than $1,000.00 in social security benefits or SSI under the policy in dispute.

This benefit is not intended to provide:

(a) representation in litigation

(b) collection defense or

This benefit also includes:

(a) the review of simple Social Security Administration documents and

(b) verbal explanations of the meaning or impact of any policy or related documents, and

of up to the maximum number of pages as shown in the Schedule.

This benefit does include a written analysis or explanation of any form or document and the preparation of any of the following documents, up to the maximum number of pages shown on the Schedule:

(a) appeal correspondence and

(b) simple affidavit.

Partial documents cannot be reviewed or prepared, and if the document other than the actual decision document from the Social Security Administration is more than the maximum number of pages shown in the Schedule, the benefit does not apply.

Nothing in this benefit will pay or create any obligation to pay any social security benefits or SSI to any person for any reason. Any coverage related to this benefit must be related to an appeal of a denial of social security benefits.

VSC_LP_C1_CS_M_481 (202103)

Veterans Benefits Appeal:

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

VSC_LP_C1_CS_M_482 (202103)

Elder Matters

Elder Parent Will Preparation:

Each Eligible Parent may receive one Simple Will per year at no charge. The attorney will prepare the document and discuss the legal requirements for signing the will. This benefit does not cover Complex Wills. For a definition of Complex Wills, please see the Definitions section.

VSC_LP_C1_CS_M_401 (202103)

Elder Parent Living Will/Health Care or Advance Directive:

Each Eligible Parent may request one Living Will/Health Care or Advance Directive per year at no charge. For a definition of Living Will/Health Care or Advance Directive, please see the Definitions section. The attorney will prepare the documents 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 both documents, and can be combined to increase the total allowed benefit.

VSC_LP_C1_CS_M_441 (202103)

Elder Parent Durable Financial Power of Attorney:

Each Eligible Parent may request one Durable Financial Power of Attorney per year at no charge. For a definition of Durable Financial Power of Attorney, please see the Definitions section. The attorney will prepare the documents 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.

VSC_LP_C1_CS_M_311 (202103)

Elder Parent Health Care or Medical Power of Attorney:

Each Eligible Parent may request one Health Care or Medical Power of Attorneys per year at no charge. For a definition of Health Care or Medical Power of Attorney, please see the Definitions section. The attorney will prepare the documents 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 both documents, and can be combined to increase the total allowed benefit.

VSC_LP_C1_CS_M_451 (202103)

Elder Law Matters:

This service covers counseling You:

(a) over the phone or

(b) in the office

on any personal issues relating to the Eligible Parents as they affect You. This benefit includes reviewing documents of the Eligible Parents to advise You of the legal effect on You. The documents include:

(a) Medicare or Medicaid materials,

(b) prescription plans,

(d) nursing home agreements,

(e) powers of attorney,

(f) living wills and

(g) wills.

The benefit also includes preparing deeds involving the Eligible Parents when You and/or Covered Spouse is either:

(a) the grantor or grantee; and

(b) preparing promissory notes involving the parents

when You and/or Covered Spouse is either the payor or payee.

VSC_LP_C1_CS_M_490 (202103)

Residential Matters

Real Estate Sale, or Purchase or Refinancing of Primary Residence:

The services of an attorney for the sale, or purchase or refinancing of a primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year).

This service includes:

(a) the review and/or preparation of closing documents and/or

(b) attendance by the attorney at closing in situations when it is customary for the attorney to do so.

This benefit does not include:

(a) services performed by or for a title company, or

(b) for an attorney acting on behalf of a lending institution.

This benefit does not include any fees or costs other than those related to the attorney’s review of the purchase/sale documents.

VSC_LP_C1_CS_M_500/530/550 (202103)

First-time Home Buyer:

The services of an attorney for the purchase of a first primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year).

This service includes:

(a) the review and/or preparation of closing documents and/or

(b) attendance by the attorney at closing in situations when it is customary for the attorney to do so.

This benefit does not include:

(a) services performed by or for a title company, or

(b) for an attorney acting on behalf of a lending institution.

Home equity loans and the 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.

VSC_LP_C1_CS_M_505 (202103)

Vacation or Investment Home Purchase, Sale or Refinancing:

The services of an attorney for the:

(a) purchase,

(b) sale, or

of a vacation or investment residence (where You have not resided or do not intend to reside for twenty-seven (27) weeks or more per year).

This service includes:

(a) the review and/or preparation of closing documents and/or

(b) attendance by the attorney at closing in situations when it is customary for the attorney to do so.

This benefit does not include:

(a) services performed by or for a title company, or

(b) 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.

VSC_LP_C1_CS_M_515 (202103)

Home Equity Loan Assistance for Primary Residence, or Second or Vacation Home:

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:

(a) services performed by or for a title company, or

(b) for an attorney acting on behalf of a lending institution.

VSC_LP_C1_CS_M_525 (202103)

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 home. This benefit does not include:

(a) services performed by or for a title company, or

(b) for an attorney acting on behalf of a lending institution.

VSC_LP_C1_CS_M_525-3 (202103)

Property Tax Assessment:

The services of an attorney for review and advice on a property tax assessment on a primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year). This benefit includes:

(a) filing the paperwork,

(b) gathering the evidence,

(d) attending the hearing necessary to seek a reduction of the assessment.

VSC_LP_C1_CS_M_570 (202103)

Property Tax Dispute:

Representation of the Member in a dispute involving property taxes on Your primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year).

This benefit does not include:

(a) the services of an attorney for review and advice on a property tax assessment or

(b) any other service covered under the Property Tax Assessment benefit.

VSC_LP_C1_CS_M_571 (202103)

Tenant Dispute:

Representation of You as a tenant in a dispute with Your landlord. This benefit does not include:

(a) representation for a tenant in a dispute with other tenants or

(b) for a tenant acting in his/her capacity as sublessee or sublessor.

VSC_LP_C1_CS_M_560-5 (202103)

Tenant Security Deposit Dispute:

The services of an attorney to assist You as a tenant in:

(a) recovering a security deposit from the residential landlord for the primary residence;

(b) reviewing the lease and other relevant documents; and

This benefit covers:

(a) preparation for prosecuting a small claims action;

(b) helping prepare documents;

(d) preparing You for the small claims trial.

The service does not include:

(a) the attorney’s attendance or representation at the small claims trial,

(b) collection activities after a judgment or

VSC_LP_C1_CS_M_565 (202103)

Landlord Dispute with Tenant:

This benefit covers You where You are a landlord, but where Your regular business or livelihood is that other than a landlord, for matters involving:

(a) evictions,

(b) leases, or

with a residential tenant.

The service includes advice and representation if a lawsuit is filed up to the maximum shown on the Schedule.

This benefit does not include representation for a tenant in disputes with other tenants or for a tenant acting in his/her capacity as sublessee or sublessor. If a lawsuit is required in order for the landlord to recover his or her damages, then representation will be provided up to the maximum shown in the Schedule. You will be responsible for paying all fees for any additional services required.

This benefit is limited to one use per year.

VSC_LP_C1_CS_M_580-4 (202103)

Security Deposit Dispute with Tenant:

This benefit covers You where You are a landlord in:

(a) defending against the recovery of a security deposit from Your residential tenant for any residence owned and leased by You;

(b) reviewing the lease and other relevant documents; and

It also covers:

(a) assisting You in defending a small claims action;

(b) helping prepare documents;

(d) preparing You for the small claims trial.

The service does not include:

(a) the attorney’s attendance or representation at the small claims trial,

(b) collection activities after a judgment or

VSC_LP_C1_CS_M_581 (202103)

Construction Defect Dispute:

The services of an attorney in a dispute relating to a defect or damage caused by the construction of Your new primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year), purchased within the past five (5) years up to the maximum shown in the Schedule.

VSC_LP_C1_CS_M_591 (202103)

Neighbor Dispute:

The services of an attorney in a dispute relating to Your Neighbor up to the maximum shown in the Schedule. 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 small claims court is not covered.

This benefit does not include matters involving:

(a) a dispute with a condominium/homeowners’/property owners association or

(b) a housing cooperative board, or

(d) a housing cooperative board.

VSC_LP_C1_CS_M_592 (202103)

Noise Reduction Dispute:

The services of an attorney in a dispute relating to You enjoyment of Your residence, where any activity related to noise affecting Your enjoyment of Your home is prohibited by:

(a) federal,

(b) state or

up to the maximum shown in the Schedule. Advice and/or preparation and assistance for a dispute filed in court is also covered, although representation in court is not covered.

VSC_LP_C1_CS_M_593 (202103)

Boundary or Title Dispute:

Services needed to negotiate and/or litigate matters arising from boundary or Real Property title disputes involving:

(a) Your primary or secondary or vacation residence and

(b) where coverage is not available under Your 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.

VSC_LP_C1_CS_M_594 (202103)

Zoning Application:

Services needed to negotiate and/or litigate the change of zoning or variance for Your primary or secondary or vacation residence. This benefit applies to You as a plaintiff or defendant.

This benefit includes:

(a) research and review of the law,

(b) surveys,

(d) preparing applications, and

(e) preparing for and attending the hearing.

This benefit does not include zoning or variance issues related to business assets or property.

VSC_LP_C1_CS_M_595 (202103)

Real Estate Dispute:

Services related to Your representation as a plaintiff or defendant in a dispute regarding contracts or obligations for the:

(a) construction,

(b) purchase, or

of Your primary residence (where You have resided or intends to reside for twenty-seven (27) weeks or more per year).

This benefit does not include disputes regarding contracts or obligations for the:

(a) purchase or

(b) sale

of unimproved land.

This benefit does not include:

(a) the review or preparation of real estate construction contracts or closing documents, or

(b) attendance by Your attorney at closing.

VSC_LP_C1_CS_M_596 (202103)

Financial Matters

Debt Collection Defense:

The defense of any dispute involving personal (non-business related) debt.

This benefit includes:

(a) correspondence,

(b) negotiating with creditors to arrange a repayment schedule,

(d) negotiating settlement after a complaint is filed.

This service does not include:

(a) defense against execution of a court-ordered judgment or

(b) efforts to vacate or set aside a judgment.

VSC_LP_C1_CS_M_600/620 (202103)

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:

(a) correspondence,

(b) negotiating with the court or opposing party to arrange a repayment schedule,

(d) negotiating settlement after a complaint is filed, and

(e) representation at trial, if necessary.

This service does not include efforts to vacate or set aside a judgment.

This service does not include

(a) counter, cross or third-party claims;

(b) bankruptcy

(d) any matter where the creditor is affiliated with the Policyholder.

VSC_LP_C1_CS_M_621 (202103)

Bankruptcy:

Representation on Your behalf for personal bankruptcy protection under Chapter 7 or 13 of the Internal Revenue Code. This benefit does not include business related bankruptcy.

VSC_LP_C1_CS_M_630 (202103)

Foreclosure:

Defense of You in an action to foreclose on Your primary residence (where You have resided or intends to reside twenty-seven (27) weeks or more per year.)

VSC_LP_C1_CS_M_640 (202103)

Tax Audit:

This benefit includes:

(a) 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

(b) 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.

VSC_LP_C1_CS_M_650 (202103)

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:

(a) correspondence,

(b) negotiating with the creditor tax agency to arrange a repayment schedule,

(d) negotiating settlement after a complaint is filed, and

(e) representation at trial, if necessary.

This service does not include:

(a) defense against execution of a court-ordered judgment or

(b) efforts to vacate or set aside a judgment.

This service does not include:

(a) counter, cross or third-party claims;

(b) bankruptcy;

(d) any matter where the creditor is affiliated with the Policyholder.

VSC_LP_C1_CS_M_651 (202103)

Student Loan Refinancing/Collection Defense:

The services of an attorney up to the maximum shown in the Schedule for a student loan refinancing or collection dispute proceeding.

This benefit includes:

(a) negotiation with creditors for a repayment schedule and to limit creditor harassment, and

(b) representation in defense of any action for:

(1) personal debt collection,

(2) tax agency debt collection,

(3) foreclosure,

(4) repossession or

(5) garnishment,

all related to one or more school loans up to and including trial if necessary.

This benefit does not include:

(a) vacating a judgment;

(b) counter, cross or third-party claims;

(d) any matter where the creditor is affiliated with the sponsor or employer.

VSC_LP_C1_CS_M_625 (202103)

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:

(a) correspondence,

(b) negotiating with the opposing party to arrange a repayment schedule,

(d) negotiating settlement after a complaint is filed, and

(e) representation at trial, if necessary.

This service does not include:

(a) defense against execution of a court-ordered judgment or

(b) efforts to vacate or set aside a judgment.

This service does not include:

(a) counter, cross or third-party claims;

(b) bankruptcy;

(d) any matter where the creditor is affiliated with the Policyholder.

VSC_LP_C1_CS_M_660 (202103)

Family Matters

Separation, Divorce, Civil Annulment:

Legal representation of You for up to the maximum shown on the Schedule 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:

(a) services in excess of the maximum shown on the Schedule, You must pay the attorney’s fee for services in excess of the maximum; or

(b) 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.

A contested separation, divorce or civil annulment requires:

(a) more than five hours of attorney time and

(b) involves disputed issues.

This benefit is limited to two uses per year (representation seeking or defending against interim order shall constitute a separate use).

This benefit applies to the Member and Covered Family Members only for actions not involving the Member as an opposing party.

VSC_LP_C1_CS_M_710/720/730-2 (202103)

Post-Divorce Proceedings:

Legal representation of You for up to the maximum listed on the Schedule 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:

(a) services in excess of the maximum listed on the Schedule; You must pay the attorney’s fee for services in excess of the maximum;

(b) contested matters in which case You must pay the attorney’s fee for services, unless the coverage includes contested matters and the benefit shall be in accordance with the Schedule.

A contested post-divorce proceeding requires:

(a) more than five hours of attorney time,

(b) involves disputed issues and

This benefit includes custody, support, and alimony proceedings.

This benefit is limited to two uses per year.

This benefit applies to the Member and Covered Spouse only for actions not involving the Member as an opposing party.

VSC_LP_C1_CS_M_733-2 (202103)

Domestic Partnership Agreement:

The service covers the preparation of a domestic partnership agreement by You and Your partner. Representation is provided only to You. The spouse/partner must have separate counsel or must waive representation. VSC_LP_C1_CS_M_735 (202103)

Prenuptial Agreement:

This service covers the preparation of an agreement by You and Your fiancé/partner prior Your marriage or legal union (where allowed by law), outlining how property is to be divided in the event of:

(a) separation,

(b) divorce orr

Representation is provided only to You. The fiancé/partner must have separate counsel or must waive representation.

VSC_LP_C1_CS_M_705 (202103)

Gender Identifier Change:

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

VSC_LP_C1_CS_M_742 (202103)

Egg/Sperm/Embryo Donation Agreement:

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

VSC_LP_C1_CS_M_743 (202103)

Name Change:

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

VSC_LP_C1_CS_M_740 (202103)

Guardianship/Conservatorship:

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

VSC_LP_C1_CS_M_750 (202103)

Government Agency/Stepparent Adoption:

Legal representation up to the maximum shown in the Schedule in a:

(a) governmental agency or

(b) stepparent adoption.

An uncontested adoption does not involve significant disputed issues.

This benefit does not include:

(a) contested termination of parental rights;

(b) fees for a court-appointed attorney for the child; or

A contested adoption requires:

(a) more than five hours of attorney time and

(b) involves disputed issues.

VSC_LP_C1_CS_M_760/770 (202103)

Child Custody/Support Proceeding Involving Never-Married Parents:

Legal representation up to the maximum shown in the Schedule in a child custody/support proceeding. This service covers You and/or Covered Family Member, when there is an issue of child custody/support of a child parented by a person with You/Covered Family Member, but never married to You/Covered Family Member.

This service covers:

(a) representation to obtain a support order, including all required paperwork and

(b attendance at all court appearances.

The service does not include:

(a) representation in suits for damages,

(b) defense of any action,

(d) 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, then coverage will terminate and You will be responsible for any additional legal fees.

This benefit is limited to two uses per year.

VSC_LP_C1_CS_M_731-2 (202103)

Protection from Domestic Violence:

Services needed to assist You only, in obtaining a protective order arising from a domestic violence or abuse matter, including:

(a) all required paperwork and

(b) attendance at all court appearances.

This benefit does not include:

(a) representation in suits for damages,

(b) defense of any action, or

VSC_LP_C1_CS_M_746 (202103)

Juvenile Court Proceeding:

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

VSC_LP_C1_CS_M_780 (202103)

School Administrative Proceeding:

Services needed for Your/Covered Family Member’s dependent child for:

(a) consultations, and

(b) 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 Your 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.

This benefit is limited to one use per year.

VSC_LP_C1_CS_M_782-2 (202103)

Immigration Assistance:

This service covers:

(a) advice and consultation,

(b) preparation of affidavits and powers of attorney,

(d) helping You 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 Your Covered Family Members and non-covered family members, including Your parent, sibling, grandchild(ren), fiancé(e), and other family members acting as a custodian of Your child(ren) who are attempting to become US citizens in the manner prescribed by law.

VSC_LP_C1_CS_M_790 (202103)

Parental Responsibility Matters:

Representation of You/Covered Spouse in juvenile court proceedings where the State has brought an action against You/Covered Spouse relating to his or her parental responsibilities for a Covered Family Member. VSC_LP_C1_CS_M_786 (202103)

Civil Matters

Civil Litigation Defense:

Services related to representation when You are named as defendant in a filed civil lawsuit (non-business related), up to and including the trial thereof. This benefit does not include: (a) any debt collection or family law matters; (b) lawsuits normally handled on a contingent fee basis; or (c) matters for which You have or are required by law to have insurance.

VSC_LP_C1_CS_M_800 (202103)

Incompetency Defense:

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

VSC_LP_C1_CS_M_820 (202103)

Administrative Hearing Representation:

Services needed to defend You from civil proceedings before a:

(a) municipal,

(b) county,

(d) 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.

VSC_LP_C1_CS_M_830 (202103)

Discounted Contingency Fees:

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

(a) When state laws set contingency fees: Lesser of 10 % less than state law maximum fee or the Participating Attorney’s usual fee.

(b) 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.

VSC_LP_C1_CS_M_840 (202103)

Mediation:

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

VSC_LP_C1_CS_M_850 (202103)

Traffic and Administrative Matters

Traffic Ticket:

Services related to representing You in defense of any traffic ticket except driving under influence or vehicular homicide, including:

(a) court hearings,

(b) negotiation with the prosecutor,

(d) counseling and preparing You for self-representation at any hearings if chosen.

This benefit does 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.

VSC_LP_C1_CS_M_810 (202103)

Serious Traffic Matter:

Services related to representing You when You are:

(a) charged by governing authorities with moving traffic violation(s) and

(b) 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.

VSC_LP_C1_CS_M_900-3 (202103)

Administrative Proceeding:

Services related to representing You in an administrative proceeding relating to the:

(a) suspension or

(b) revocation

of driving privileges.

This benefit does cover suspension or revocation of a commercial driver’s license.

VSC_LP_C1_CS_M_910 (202103)

Habeas Corpus Proceeding:

Services related to the representation in a Habeas Corpus proceeding.

VSC_LP_C1_CS_M_922 (202103)

FINANCIAL ADVISOR

Coverage includes a financial counseling Service for Member, and Covered Family Members.

Financial Helpline

Consultation with legal or financial professionals by toll-free telephone during normal business hours. Calls can relate to investment strategies, debt matters, budgeting or any personal financial planning question.

OBTAINING BENEFITS

Claim for Benefits

You should call the Member Service Center to confirm the potentially applicable benefit(s) prior to consulting with any attorney. You/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. Failure to notify the Member Service Center within thirty (30) days following consultation with an attorney may result in a denial of benefits, if such failure to provide timely notice has prejudiced Us in any way. Failure to provide notice within thirty (30) days will not invalidate or reduce an otherwise valid claim if it is shown not to be reasonably possible to give such notice within 30 days and that notice was given as soon as reasonably possible thereafter. Coverage applies to covered events which occur while the coverage is in effect. Any covered event which occurs prior to the effective date of coverage will be considered excluded and no benefits will apply.

You may reach the Member Service Center at:

5151 San Felipe, Suite 2300

Houston, TX 77056

888-416-4313

Disputes Between Member and Covered Family Member

In the event that Your and one of the Covered Family Members are involved as adversaries in a dispute that is a Covered Service, only You 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 Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

VSC_LP_D1 (202103)

EXCLUSIONS

The following benefits are excluded:

(b) Appellate court proceedings.

(b) Class actions.

(d) Malpractice proceedings.

(f) Derivative actions and amicus curiae filings.

(g) The preparation and filing of:

(1) individual, partnership or estate tax returns,

(2) appellate or administrative proceedings related to tax returns,

(3) 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.

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

(b) 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.

(j) Costs associated with covered legal services. This includes, but not limited to, the following:

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. This also includes all other incidental and out-of-pocket legal and litigation costs.

(k) Any services on behalf of a Covered Family Member against Your interests.

(l) Any dispute or proceeding against the following persons or entities, their officers, directors, employees, or agents:

(1) any person or entity involved in the sale, marketing, administration or other processes related to the Policy;

(2) Legal Plan Administrator or its subsidiaries;

(3) Claims Administrator or its subsidiaries;

(4) Policyholder;

(5) Your employer;

(6) Virginia Surety Company, Inc. and it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer;

(7) Plan Sponsor; or any Participating and/or Non-Participating Attorney

if the dispute or proceeding pertains to services provided under the Policy.

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

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

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(o) Matters relating to: securities, trademark or patent matters; business or commercial interests, including, but not limited to the following:

(1) professional, partnership and/or corporate matters;

(2) matters arising out of Your/Covered Family Member’s role as an officer or director of an organization;

(3) matters involving the law or laws of jurisdictions other than the United States and its territories, except as specifically described under Covered Services;

(4) any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services;

(5) farm related issues.

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(o) 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 You/Covered Family Member as the primary residence, is deemed an investment or income-producing property.

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(p) Any employment-related matter. This includes, but is not limited to the following:

(1) any dispute involving

· Your employer or its affiliates,

· their officers or directors,

· Your employee benefit plans,

· credit unions,

· programs or arrangements sponsored by an employer, or

(2) cases involving:

· workers’ compensation,

· unemployment compensation,

· sex harassment, and

· age discrimination.

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(q) Except for consultation, the Policy will not provide benefits in connection with pre-existing matters. Pre-existing matters include any matter where You/Covered Family Member are on notice:

(1) as to a pending legal dispute or

(2) has previously contacted an attorney.

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GENERAL PROVISIONS

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. You have the unrestricted right to choose an attorney. Your relationship with an attorney is privileged and strictly confidential. We will not interfere in:

(a) the attorney-client relationship or

(b) in the attorney’s independent exercise of his or her professional judgment.

Participating Attorneys are not certified specialists. Participating Attorneys are not agents or employees of either the Legal Plan Administrator or Us.

You shall authorize the Participating Attorney to provide the Legal Plan Administrator with:

(a) information and

(b) supporting documentation

on the number and type of services provided to You.

By using legal services benefits that are provided under the Policy, You agree that neither:

(a) We,

(b) the Policyholder,

involved in the marketing or administration of the Policy, shall have any liability for the:

(a) acts,

(b) errors or omissions

of an attorney providing services, in whole or in part.

Non-Participating Attorney Services

If You already have an attorney, You may prefer to use her/him as a Non-Participating Attorney. To do so, You must first contact the Member Service Center and 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 which must be completed and returned in order to request reimbursement. Your reimbursement will be based on the reimbursement schedule shown under the Non-Participating Attorney column of the Schedule. If You have a Non-Participating Attorney You would prefer to work with, the Legal Plan Administrator may elect to offer to negotiate with the attorney on Your 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 You/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, You/Covered Family Member must cooperate in providing the assignment.

The Policy coordinates benefits as follows: when a claim is made, the primary plan pays its regular benefit first. A plan is primary when it:

1. covers Policyholder’s employee as insured rather than as a dependent

2. covers a child as dependent of the parent whose birthday occurs earliest in the calendar year, except when:

(a) parents are separated or divorced and parent with custody is not remarried: benefit of parent with custody is primary

(b) parents are divorced and parent with custody is remarried, the order of determination is:

(i) parent with custody

(ii) step-parent

(iii) parent without custody

If none of the above applies, the plan that has covered the insured the longest is primary, except if the insured is laid off or retired.

If You are entitled to receive legal services or reimbursement for legal services from any other person or organization, Our coverage will be excess.

Payment by Us for legal services under the Policy does not preclude Your attorney from seeking and recovering attorney fees from an opposing party, where authorized by law, court rule or contract, at the attorney’s usual and customary or prevailing rate. If You receive reimbursement of attorney’s fees, then You will reimburse Us for payments made under the Policy.

Legal Terminology

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

Premium Refund Provision

In the event that:

(a) the premium mode is other than monthly and

(b) the Group Policy is terminated or

a pro-rata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.

Termination and Cancellation of Coverage

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

(a) Cancellation or termination of the Group Policy;

(b) If applicable, the Member fails to re-enroll;

(d) 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 upon the first of the following to occur:

(a) The Member’s coverage is cancelled or terminated; or

(b) The family member ceases to qualify as a Covered Family Member as defined in the Definitions section.

Illegal Activity, Misrepresentation and Fraud

No misrepresentation shall avoid any contract of insurance or defeat recovery, thereunder, unless such misrepresentation was material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make such contract. We will not provide coverage if doing so would be in violation of any United States economic or trade sanction.

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.

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Coverage Territory

The coverage territory includes the United States and United States territories

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Portability

You may continue this insurance by electing the option of portability when You no longer qualify as

(a) an employee of the Policyholder or

(b) as a Member of the group

to which the Group Policy is issued.

You 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 Your coverage under the Group Policy terminates.

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Waiver of Premium

Upon Your death, 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 You being called to active duty for a period of more than thirty (30) consecutive days

(a) for the purposes of:

(b) military service or

of responding to a declared national emergency

coverage for the Covered Family Members will continue, without the payment of premium, for:

(a) the length of the Member’s absence and

(b) for so long as the Member remains eligible for benefits through the Policyholder.

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Grievances

Should You have a dispute concerning Your coverage, payment or about a reimbursement, You should first contact LegalEASE Member Service Center at 888-416-4313. If the dispute is not resolved, You may contact Virginia Surety Company at 1-800-209-6206.

Nothing in this plan shall be construed to prevent You from making a complaint to the appropriate Appellate Division or other body designated by the Appellate Division to investigate complaints in accordance with Judiciary Law section 90, or to the appropriate disciplinary body in the state where the legal service is being provided.

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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 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.