City of Riverside

City of Riverside

Learn How to Enroll in the LegalGUARD Plan
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To enroll in the LegalGUARD plan, please visit your Employee Online portal. 

Enrollment will begin October 29, 2018 and will be available year-round.  Plan coverage will begin January 1, 2019

Questions? Contact Us
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We’re here when you need us.

Our Specialists are available 7 AM to 7 PM CST.

Enrollment Questions:

To learn more about LegalGUARD and the legal benefits you will get,

   Call us at: 1(800) 248-9000, reference, "City of

                    Riverside"

 

   Or message us by clicking here.

 

Member Services:

   Call us at: 1(888) 416-4313, reference, "City of

                    Riverside"

 

   Or message us by clicking here.

Welcome

Benefits Proudly Offered to City of Riverside Employees

Be fully prepared and confident

 with LegalGUARD

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

Product Presented By: Nationwide®      Product Administered By: LegalEASE

 

LegalGUARD 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 LegalGUARD, 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 LegalGUARD member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

With a LegalGUARD 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. LegalGUARD provides coverage for your specific legal matter so you won't be caught off guard.

Protect your family’s future, with LegalGUARD.

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 LegalGUARD Plan. LegalGUARD 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 LegalGUARD 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 LegalGUARD Plan.

Being a LegalGUARD 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

LegalGUARD 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 LegalGUARD 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 $17.54 monthly, via payroll deduction. 

Who's Covered?

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

 

Schedule of Benefits

Advice and Consultation

 LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

LegalEASE Helpline

Covered

N/A

Initial Law Office Consultation1 (One hour per calendar quarter)

Covered

N/A

Review of Simple Documents1 -  up to 6 Pages

Covered

N/A

Miscellaneous Law Office Services

 LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Legal Services for any Non-Excluded Legal Matter4

25% discount on Plan Attorney's Hourly Rates  N/A

Consumer Matters

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

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

Paid in Full

 

  • $65
  • $55
  • $55
  • $55
  • $55
  • $55
  • $65
  • $55

Consumer Dispute

Paid in Full 

$600

Small Claims Court Representation1

Paid in Full up to 2 Hours with a remainder at 25% discount

$300

Mail Order or Internet Purchase Dispute1

Paid in Full up to 5 Hours with a remainder at 25% discount

$300

Bank Fee Dispute1

Paid in Full up to 5 Hours with a remainder at 25% discount

$300

First-Time Vehicle Buyer1

Paid in Full up to 5 Hours with a remainder at 25% discount

$300

Vehicle repair and Lemon Law Litigation1

Paid in Full up to 5 Hours with a remainder at 25% discount

$300

Cell Phone Contract Dispute1:

  • Contract Review up to 6 Pages
  • Representation
Paid in Full up to 5 Hours with a remainder at 25% discount $300

Warranty Dispute1:

  • Warranty Review up to 6 Pages
  • Representation
Paid in Full up to 5 Hours with a remainder at 25% discount $300

Healthcare Coverage Disputes and Records:

  • Office Consultation up to 5 Hours
Paid in Full up to 5 Hours with a remainder at 25% discount $300

Healthcare Coverage Disputes and Records1:

  • Review of Healthcare Policy
  • Review/Preparation of Documents up to 6 Pages
Paid in Full up to 5 Hours with a remainder at 25% discount $300

Identity Theft Defense

Paid in Full $850

 Estate Planning

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Simple Will or Codicil for:

  • Member
  • Spouse
  • Covered Family Member

Paid in Full

$55

Living Will or Health Care Power of Attorney

Paid in Full 

$55

Living Trust Document

Paid in Full $310

Probate of Small Estate1

Paid in Full up to 2 Hours with a remainder at 25% discount

$120

Home and Residential Matters

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Purchase of Primary Residence

Paid in Full $500

Sale of Primary Residence

Paid in Full $365

Refinancing of Primary Residence

Paid in Full

$385

Vacation or Investment Home: Purchase/Sale/Refinancing

Paid in Full $425

Tenant Dispute

Paid in Full

$1,700

Tenant Security Deposit Dispute

Paid in Full $850

Landlord Dispute with Tenant1:

  • Pre-Litigation Activities
  • Trial Representation
Paid in Full up to 10 Hours with a remainder at 25% discount $595

Security Deposit Dispute with Tenant1

Paid in Full up to 10 Hours with a remainder at 25% discount

$595

Construction Defect Dispute

Paid in Full $425

Neighbor Dispute

Paid in Full $725

Noise Reduction Dispute

Paid in Full $725

Financial Matters

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Debt Collection Defense: Pre-Litigation Defense

Paid in Full

$425

Debt Collection Defense: Trial Defense

Paid in Full

$850

Bankruptcy (Chapter 7 or 13)

Paid in Full $935

Foreclosure

Paid in Full

$935

Tax Audit

Paid in Full

$1,700

Student Loan Refinancing/Collection Defense1

Paid in Full up to 7 hours with remainder at 25% discount $420

Family

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Separation, Divorce, Civil Annulment:

  • Uncontested Separation1
  • Consent/Default Divorce1
  • Uncontested Divorce1
Paid in Full up to 10 Hours with a remainder at 25% discount $595
Contested Divorce1

 

Paid in Full up to 28.5 hours with a remainder at 25% discount

$1,700
Name Change Paid in Full $255
Prenuptial Agreement Paid in Full $680
Guardianship/Conservatorship

Uncontested: Paid in Full

Contested: Paid in Full

$300

$765

Governmental Agency Adoptions Uncontested: Paid in Full

Contested: Paid in Full

$300

$765

Stepparent Adoptions2 Uncontested: Paid in Full

Contested: Paid in Full

$300

$765

Juvenile Court Proceedings Paid in Full $470

Immigration Assistance

Paid in Full up to 10 hours with a remainder at 25% discount

$595

Civil

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Civil Litigation Defense Paid in Full $1,700

Incompetency Defense

Paid in Full

$1,700

Criminal Defense

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Traffic Ticket

Paid in Full $215

Serious Traffic Matters (Resulting in Suspension or Revocation of License)2

Paid in Full

$425

Administrative Proceeding (Resulting in Suspension or Revocation of License)

Paid in Full

$255

Misdemeanor Defense

Paid in Full

$1,700

Additional Benefits

LegalGUARD Plan Coverage

Participating Attorney

LegalGUARD Plan Coverage

Non-Participating Attorney

Discounted Contingency Fees4

Included

N/A

Financial Advisor3

Included

N/A

Elder Law3

Included N/A

Mediation3

Included

N/A

Identity Theft Assistance3 Included N/A

1Some limitations may apply.

2Subject to managed case rules.

3Additional benefits

4Discounted Rate

Managed Case Rules require the following:

  1. Member and/or Covered Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney.
  2. The attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely conduct of the case.
  3. We will set a maximum attorney fee that takes into account 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 the responsibility of the Member and/or Covered Family Member.

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

A legal plan backed by a strong partnership.

We believe you deserve to feel prepared and confident when facing a legal matter. Through a strong partnership, Nationwide and LegalEASE offer LegalGUARD, a robust product offering that protects members when it matters most. How we do it is by providing an in-depth pool of resources to accommodate your legal needs. 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.
 
For more than 40 years, LegalEASE has established one of the oldest and most comprehensive networks of attorneys in the legal industry. With more than 17,000 participating plan attorneys, LegalEASE specializes in matching attorneys specific to client needs, when it matters most. For more information, visit LegalEASE.
 
Nationwide partnered with LegalEASE to provide members with solutions that offer support and protection from unexpected legal issues. At Nationwide, we put our members first, because we don't have shareholders. 
 
Nationwide Mutual Insurance Company, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor’s. The company provides a full range of insurance and financial services, including auto, commercial, homeowners and life insurance; public and private sector retirement plans, annuities and mutual funds; banking and mortgages; specialty health; pet, motorcycle, boat and farm insurance. For more information, visit Nationwide.com.