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Benefits Proudly Offered to KCETLink 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.

Plan Cost

The LegalGUARD Plan is only $8.98 per pay period*, via payroll deduction.

*Based on a 24 pay deduction schedule.

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 19, and from age19 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.

PLAN COVERAGE COMPARED TO COSTS WITHOUT PLAN
ADVICE AND CONSULTATION	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
LAW OFFICE CONSULTATION¹	COVERED	$0 TO $400
TELEPHONE CONSULTATION	COVERED	$0 TO $400
REVIEW OF SIMPLE DOCUMENTS¹	COVERED	$50 TO $400
Simple Dispute Resolution Correspondence¹	COVERED	$50 TO $400
CONSUMER	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
DOCUMENT PREPARATION: SIMPLE DEED PROMISSORY NOTE CONSUMER DISPUTE CORRESPONDENCE INSTALLMENT SALES AGREEMENT SIMPLE AFFIDAVIT GENERAL POWER OF ATTORNEY: MEMBER & FAMILY MEMBER LEASE AGREEMENT - TENANT ONLY TIME SHARE AGREEMENT	COVERED	$75 TO $250
CONSUMER DISPUTE²	COVERED	$200 TO $1,000
SMALL CLAIMS COURT REPRESENTATION¹	FULLY COVERED UP TO 2 HOURS WITH REMAINDER AT 25% DISCOUNT	$300 TO $800
WILLS AND ESTATE	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
SIMPLE WILL OR CODICIL FOR: MEMBER, SPOUSE & FAMILY MEMBER	COVERED	$150 TO $500
LIVING WILL OR HEALTH CARE POWER OF ATTORNEY	COVERED	$75 TO $250
PROBATE OF SMALL ESTATE¹	FULLY COVERED UP TO 2 HOURS WITH REMAINDER AT 25% DISCOUNT	$300 TO $1200
HOME	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
REAL ESTATE CLOSING⁴	FLAT RATE: $175	$350 TO $900
REFINANCING OF PRIMARY RESIDENCE	COVERED	$350 TO $900
TENANT DISPUTES^1,2	Fullly Covered up to $1,000 with Remainder at 25% Discount	$500 TO $2,000
FINANCIAL	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
DEBT COLLECTION DEFENSE: PRE-LITIGATION DEFENSE²	COVERED	$500
DEBT COLLECTION DEFENSE: TRIAL DEFENSE^1,2	Fully Covered up to $700 with Remainder at 25% Discount	$2,000
BANKRUPTCY (Chapter 7)⁴	Flat Rate: $750	$1,200 TO $3,000
FORECLOSURE^1,2	Fully Covered up to $480 with Remainder at 25% Discount	$1,500
TAX AUDIT^1,2	Fully Covered up to $1,500 with Remainder at 25% Discount	$2,000 AND ABOVE
CIVIL	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
CIVIL LITIGATION DEFENSE^1,2	Fully Covered up to $1,500 with Remainder at 25% Discount	$1,500 AND ABOVE
FAMILY	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
UNCONTESTED SEPARATION¹	FULLY COVERED UP TO 10 HOURS WITH REMAINDER AT 25% DISCOUNT	$800
CONSENT/DEFAULT DIVORCE¹	FULLY COVERED UP TO 10 HOURS WITH REMAINDER AT 25% DISCOUNT	$500 TO $1,500
UNCONTESTED DIVORCE¹	FULLY COVERED UP TO 10 HOURS WITH REMAINDER AT 25% DISCOUNT	$800 TO $1,500
CONTESTED DIVORCE^1,2	FULLY COVERED UP TO $1,500 WITH REMAINDER AT 25% DISCOUNT	$1,500 AND ABOVE
PRENUPTIAL AGREEMENT⁴	Flat Rate: $239	$500 TO $1,500
NAME CHANGE	COVERED	$150 TO $400
GUARDIANSHIP/CONSERVATORSHIP¹	UNCONTESTED: COVERED	$500 TO $1,500
GOVERNMENTAL AGENCY ADOPTIONS¹	UNCONTESTED: COVERED	$500 TO $1,500
STEPPARENT ADOPTIONS¹	UNCONTESTED: COVERED	$500 TO $1,500
JUVENILE COURT PROCEEDINGS	COVERED	$1,000 TO $2,500
CRIMINAL	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
TRAFFIC TICKET DEFENSE⁴	Flat Rate: $89	$500 TO $1,500
SERIOUS TRAFFIC MATTERS (RESULTING IN SUSPENSION OR REVOCATION OF LICENSE)²	COVERED	$500 TO $1,500
ADMINISTRATIVE PROCEEDING (REGARDING SUSPENSION OR REVOCATION OF LICENSE)²	COVERED	$500 TO $1,500
Misdemeanor Defense^1,2	Fully Covered up to $1,500 with Remainder at 25% Discount	$500 TO $1,500
ADDITIONAL BENEFITS	LEGALGUARD PLAN COVERAGE	TYPICAL COSTS WITHOUT PLAN
Discounted Contingency Fees³	Included	NOT APPLICABLE
Simple Incorporation⁴	Flat Rate: $239	NOT APPLICABLE
IDENTITY THEFT RECOVERY ASSISTANCE³	Included	NOT APPLICABLE
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 Covered 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 Covered Family Member.

Definitions

Definitions

“CLAIMS ADMINISTRATOR” - means Co-ordinated Benefit Plans, LLC; or its subsidiary.

“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; or the Member owns a business that will continue in operation after death; or the Member wants to put restrictions on what heirs may do with the property; or 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; or the Member thinks that someone will challenge the will; or the Member wants to exclude any lawful dependents.

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

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

“COVERED SPOUSE” - means the Member’s lawful spouse at the time the policy is in effect .

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

“HEALTHCARE COVERAGE” – means any policy for healthcare that a Member and/or Covered Family Member has in effect over which some type of coverage, benefits, or privacy dispute arising while that policy is in effect as defined by the terms of that policy. Nothing in this Policy will pay or create any obligation to pay any healthcare benefits to any person for any reason, and any coverage related to this definition in this Legal Expense Policy must be related to a Member’s and/or Covered Family Member’s dispute under a healthcare coverage policy.

“INTERNET PURCHASE” - A purchase of goods or services whose purchase value is over $200.00 at the time of purchase by a Member and/or Covered Family Member from a website on the worldwide web.

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

“MEMBER” - refers to the individual who is as sociated with the Policyholder and who has paid or a premium has been paid on his/her behalf and who meets the eligibility requirements for Covered Services as defined by the Policyholder.

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

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

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

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

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

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

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 use to vet our providers is the most stringent in the country. We focus on years of experience, 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 that protects members when it matters most. We provide an in-depth pool of resources to accommodate your legal needs. And we provie value by creating unparalleled access to a network of skilled attorneys to cover your legal needs with options in convenient plans.

For more than 45 years, LegalEASE has established one of the 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. For more information, visit LegalEASE.

Nationwide partnered with LegalEASE to provide members with solutions that offer support and protection from unexpected legal issues.

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.