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Benefits Proudly Offered to Kern Hospital 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 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 $13.02 monthly, via payroll deduction.

Who's Covered?

The Member’s spouse or domestic partner 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 25 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support.

Schedule of Benefits
Advice and Consultation	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
LegalEASE Helpline	Paid in Fulll	N/A
Law Office Consultation¹ (One hour per calendar quarter)	Paid in Full	$60/Consultation
Review of Simple Documents¹ - up to 6 Pages	Paid in Full	$60
Miscellaneous Law Office Services	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Miscellaneous Law Office Services⁴	25% Discount on Plan Attorney's Hourly Rates	N/A
Consumer	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 & Family Member Lease Agreement - Tenant only Time Share Agreement	Paid in Full	$60 $60 $60 $60 $60 $60/Document $40/Family Member Document $60 $60
Consumer Dispute²	Paid in Full subject to Managed Case Rules	$60
Small Claims Court Reprsentation¹	Paid in Full up to 2 Hours	$120
Identity Theft Defense²	Paid in Full subject to Managed Case Rules	N/A
Wills and Estate	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Simple Will or Codicil for: Member Spouse Family Member	Paid in Full	$90
Complex Will⁴	25% Discount	$N/A
Living Will or Health Care Power of Attorney	Paid in Full	$40
Probate of Small Estate¹	Paid in Full up to 2 Hours	$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	$500
Tenant Dispute²	$2,000 maximum Subject to Managed Case Rules	$2,000 maximum Subject to Managed Case Rules
Financial Matters	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Debt Collection Defense: Pre-Litigation Defense²	Paid in Full subject to Managed Case Rules	$120
Debt Collection Defense: Trial Defense²	$700 maximum subject to Managed Case Rules	$480 maximum Subject to Managed Case Rules
Foreclosure²	$480 maximum subject to Managed Case Rules	$450 maximum Subject to Managed Case Rules
Tax Audit²	$2,000 maximum subject to Managed Case Rules	$1,450 maximum subject to Managed Case Rules
Civil	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Civil Litigation Defense²	$2,000 maximum subject to Managed Case Rules	$2,000 maximum subject to Managed Case Rules
Family	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Name Change	Paid in Full	$200
Guardianship/Conservatorship²	Paid in Full	$400
Governmental Agency Adoptions²	Paid in Full	$300
Stepparent Adoptions²	Uncontested: Paid in Full	$300
Juvenile Court Proceedings²	Paid in Full subject to Managed Case Rules	$375
Criminal	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney

Traffic Defense (Resulting in Suspension or Revocation of License)²	Paid in Full subject to Managed Case Rules	$500
Administrative Proceeding (Resulting in Suspension or Revocation of License)²	Paid in Full subject to Managed Case Rules	$250
Additional Benifits	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Financial Advisor³	Included	Not Applicable
Elder Law³	Included	Not Applicable
Mediation³	Included	Not Applicable

¹Some limitations may apply.

²Subject to managed case rules.

³Additional benefits

⁴Discounted Rate

Managed Case Rules require the following:

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

Identity Coverage

At InfoArmor, our business is information security. We combine an unparalleled global research network with big data analysis, actionable intelligence and the very best in personalized service to meet our clients’ dynamic security needs. From employee to enterprise, InfoArmor is redefining how organizations fight fraud and combat an evolving threat landscape to mitigate risk on multiple levels.

PrivacyArmor^® helps detect identity theft and minimize damages to personal and corporate assets by actively monitoring and notifying employees of suspicious activity. Our solutions include proactive alerts that notify on applications for: credit cards, wireless carriers, utility accounts and non-credit accounts. PrivacyArmor monitors high-risk identity activity such as password resets, fund transfers, unauthorized account access, compromised credentials, address changes and public record alerts.

Plan Cost: InfoArmor and LegalGUARD is only $##.## per month, via payroll deduction.

Who's Covered: Cost includes coverage for both the employee and spouse. InfoArmor coverage may only be added to the LegalGUARD Plan, not sold seperately.

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About LifeLock

At LifeLock, we help protect you against more than just credit fraud, we alert you whenever we detect your personal information being used to apply for wireless services, retail credit, utilities, and mortgage loans within our extensive network. If you become a victim of identity theft while you are a LifeLock member we will spend up to $1 million to hire experts, lawyers, investigators, consultants and whoever else it takes to help your recovery. Restrictions Apply. See our Terms & Conditions for more details.

Monitoring Your Identity

Once you complete enrollment for LifeLock^® identity theft protection, we immediately begin monitoring for threats* against your identity within our network.

Beyond Credit Monitoring

We also contact the major credit bureaus on your behalf and help remove your name from mailing lists for preapproved credit offers. And we provide you with anytime access to your alerts dashboard via the secure LifeLock Member Portal.

Definitions

Definitions

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

“ADMINISTRATOR” - means LegalPlans USA, LLC; or its subsidiary.

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

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

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

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

“MEMBER” - refers to the individual who is associated with the Policyholder and who has paid or a premium has been paid on their behalf and who meets the eligibility requirements for Covered Services.

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

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

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

“PLAN SPONSOR” - means an organization other than the Policyholder or the Member’s employer which makes coverage hereunder available.

“POLICYHOLDER” - means the organization to which a group policy has been issued.

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

Covered Services

Advice and Consultation

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

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

Initial Law Office Consultation: Up to the maximum as shown in the Schedule of Benefits for office consultations with a Participating Attorney on any personal legal problem, civil or criminal, except those specifically excluded. See Miscellaneous Law Office Services.

Miscellaneous Law Office Services: Benefits not specifically covered or excluded hereunder to be provided at an amount shown in the Schedule of Benefits.

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

Review of Simple Document: The Plan Attorney will verbally explain the meaning or impact of any form or document, or make suggestions for changes to a form or document being drafted of up to the maximum number of pages as shown in the Schedule of Benefits.

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

Document Preparation: Preparation of any of the following documents: simple deed (excluding those reviewed or prepared under the real estate benefit), promissory note, consumer dispute correspondence, installment sales agreement, general power of attorney, lease agreement (tenant only), time share agreement, and simple affidavit.

This benefit is limited to one use per year.

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

This benefit is limited to one use per year.

Small Claims Court Representation: Consultation and/or representation for a consumer dispute filed in small claims court.

This benefit is limited to one use per year.

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

Simple Will Preparation: Plan Attorney shall prepare a simple will or codicil for Member and Family Member and discuss the legal requirements for signing the will. A simple will or codicil may be prepared for Family Member at an additional cost as shown in the Schedule of Benefits.

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

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

This benefit is limited to one use per year.

Probate of Small Estate: The service of an attorney for the probate of a small estate (an estate that is not subject to current state or federal estate taxation) up to the maximum as shown in Schedule of Benefits.

Real Estate Sale, Purchase of Primary Residence: The services of an attorney for the purchase, sale of a Member’s primary residence (where Member has resided or intends to reside for twenty-seven (27) weeks or more per year). This service includes the review or preparation of closing documents and/or attendance by the Member’s attorney at closing in situations when it is customary to do so. This benefit does not include services performed by or for a title company, or for an attorney acting on behalf of a lending institution. Home equity loans and the sale or purchase of unimproved or rental properties are not included.

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

Landlord/Tenant Disputes: Representation of the Member and/or Family Member as a tenant in a dispute with his/her landlord.

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

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

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

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

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

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

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

Separation, Divorce, Annulment: Legal representation of the Member only for up to 10 hours in an uncontested separation, divorce, civil annulment, consent or default divorce. An uncontested separation, divorce or civil annulment does not involve significant disputed issues and the parties resolve any issues prior to any court supervised proceeding. A consent or default divorce does not involve any disputed issues and the opposing party is not represented by counsel. The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (1) services in excess of 10 hours; the Member must pay the attorney’s fee for services in excess of 10 hours; (2) services relative to post-decree representation; or, (3) contested matters in which case the Member must pay the attorney’s fee for services, unless this Policy provides coverage of contested matters and the benefit shall be in accordance with the Schedule of Benefits. A contested separation, divorce or civil annulment requires more than five (5) hours of attorney time, involves disputed issues and both parties are represented by an attorney.

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

Name Change: Services required to accomplish a legal name change for a Member or Family Member.

This benefit is limited to one use per year.

Obtaining Services

Telephone Advice and Consultation on Legal and Financial Matters: Consultation by toll-free telephone with an attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded herein.

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

Claim for Benefits

1. Members must call the Member Service Center to confirm eligibility and coverage prior to consulting with any attorney. The Member Service Center will assign a Participating Attorney to provide services relative to the matter. Failure to notify the Member Service Center within thirty (30) days following consultation with an attorney may result in a denial of benefits.

2. To obtain benefits under the Managed Case Rules:

Members and/or Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney.

The attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely conduct of the case.

We will set a maximum attorney fee that takes into account the reasonable level of reimbursement for the proceeding and the proposed litigation strategy. Fees as a result of services in excess of the maximum attorney fee are the responsibility of the Member and/or Family Member.

3. Members actively receiving services must remain enrolled and continue to pay premium hereunder. All benefits will be subject to subrogation and coordination of benefit rules.

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

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

Disputes Between Member and Family Member

In the event that the Member and one of the Family Members are involved as adversaries in a dispute that is a Covered Service, only the Member will be covered.

If two or more 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.

Exclusions

The following benefits are excluded:

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

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

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

Legal services which 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, judgements, jury fees, court reporter fees, investigative costs and all other incidental and out-of-pocket legal and litigation costs.

Any services on behalf of a Family Member against the interests of the 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 of the group policy; Administrator or its subsidiaries; Policyholder; Member’s employer; Virginia Surety Company, Inc. it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; Plan Sponsor; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the group policy / Certificate of Coverage.

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

General Provisions

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

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

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

Non-Participating Attorney Services: If the Member already has an attorney, the Member may prefer to use her/him as a Non-Participating Attorney. To do so, the Member must first contact the Member Service Center and notify the representative of his/her intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send the Member a claim form to request reimbursement. The Member’s reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits.

Legal Terminology:The Member or 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 the premium mode is other than monthly and the group policy is terminated or the Member elects to terminate the coverage, a prorata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.

Termination and Cancellation of Coverage:

Coverage provided to 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;

c. The Member is no longer associated with Policyholder; or

d. The Member fails to remit premium when due, subject to the statutory grace period.

Coverage provided to 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 be an eligible Family Member of the Member’s coverage.

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

Arbitration:

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

If We, a Policyholder/Member, or a third party have any dispute that is directly or indirectly related to a dispute governed by this arbitration provision, the Policyholder/Member and We agree to consolidate all such disputes.

The arbitration shall be binding upon the Policyholder/Member and Us. Any award may not be set aside in later litigation except upon the limited circumstances set forth in the Federal Arbitration Act. The Policyholder/Member and We give up the right to seek remedies in Court, including the right to a jury trial. Judgment upon the award rendered may be entered in any Court having jurisdiction thereof. The arbitration expenses shall be borne by the losing party or in such proportion as the arbitrators shall decide.

Conform to Statute: Any terms of the group policy / Certificate of Coverage which are in conflict with the statutes of the jurisdiction where issued, are amended to conform to the statutes.