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Benefits Proudly Offered to NVIDIA Employees

Be fully prepared and confident

 with LegalEASE

Learn about legal insurance, 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. Through 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 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 legal insurance 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 through 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 legal insurance 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. Through 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 legal insurance plan.

Being a 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 benefits
  • 5 Hours miscellaneous law office services

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 legal insurance plan.  This plan offers the convenience of in-network and out-of-network benefits.

Plan Cost

The plan is only $18.00 monthly, via payroll deduction.

Who's Covered?

The Member’s spouse and Member’s 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  Coverage

Non-Participating Attorney

LegalEASE Helpline

Covered

Not Applicable

Initial Law Office Consultation (One hour per calendar quarter)

Covered

Not Applicable

Review of Simple Documents -  Up to 6 Pages

Covered

Not Applicable

Financial Helpline

Covered

Not Applicable

Miscellaneous Law Office Services

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Legal Services for any non-excluded legal matter not specifically covered in the Schedule of Benefits 5 hours per year

Covered

$51/Hour

Consumer Matters

 LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

DOCUMENT PREPARATION

  • Simple Deed
  • Promissory Note
  • Consumer Dispute Correspondence
  • Installment Sales Agreement
  • Simple Affidavit
  • General Power of Attorney:
    • Family Member
  • Lease Agreement - Tenant only
  • Time Share Agreement

 

Covered

 

$65
$55
$55
$55
$55
$55/Document
$55/Covered Family Member Document
$65
$55
Consumer Dispute
Covered
Subject to Managed Case Rules*
$595

Small Claims Court Representation

Covered Up To 2 Hours

$105

Mail Order or Internet Purchase Dispute

Covered Up To 5 Hours

$300 Maximum
Subject to Managed Case Rules*

Bank Fee Dispute

Covered Up To 5 Hours

$300 Maximum
Subject to Managed Case Rules*

First-time Vehicle Buyer

Covered Up To 5 Hours

$300 Maximum
Subject to Managed Case Rules*

Vehicle Repair and Lemon Law Litigation

Covered Up To 5 Hours

$300 Maximum
Subject to Managed Case Rules*

Cell Phone Contract Dispute

  • Contract review up to 6 pages
  • Representation
Covered up to 5 hours
Covered up to 5 hours
$300
$300

Warranty Dispute

  • Warranty review up to 6 pages
  • Representation
Covered up to 5 hours
Covered up to 5 hours
$300
$300

 Estate Planning

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

SIMPLE WILL OR CODICIL FOR:

  • Spouse
  • Covered Family Member

Covered

$80/ Document

Complex Will 25% Discount Not Applicable

Living Will and/or Health Care Power of Attorney

  • Family Member

Covered

Covered Family Member

$55

$55 / Family Member

Probate of Small Estate

Covered Up To 2 Hours

$105

Living Tust Document 

Covered $310

Home and Residential Matters

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Purchase Of Primary Residence

Covered

$490

Sale Of Primary Residence

Covered $365

Refinancing Of Primary Residence

Covered

$385

Vacation or Investment Home Sale/Purchase/Refinancing

Covered

$425

Tenant Dispute

Covered
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Tenant Security Deposit Dispute

Covered
Subject to Managed Case Rules*
$850 Maximum
Subject to Managed Case Rules*

Landlord Dispute with Tenant

  • Pre-litigation activities
  • Trial Representation
Covered up to 10 hours
Covered up to 10 hours
$595
$595

Security Deposit Dispute with Tenant

Covered up to 10 hours

$595

Construction Defect Dispute

Covered
Subject to Managed Case Rules*

$425

Neighbor Dispute

Covered
Subject to Managed Case Rules*
$765 Maximum
Subject to Managed Case Rules*

Noise Reduction Dispute

Covered
Subject to Managed Case Rules*
$765 Maximum
Subject to Managed Case Rules*

Financial Matters

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Debt Collection Defense
Pre-litigation Defense Activities
Covered
Subject to Managed Case Rules*

$425

Debt Collection Defense
Trial Defense
Covered
Subject to Managed Case Rules*

$850

Bankruptcy (Chapter 7 or 13)

Covered
Subject to Managed Case Rules*
$935 Maximum
Subject to Managed Case Rules*

Foreclosure

Covered
Subject to Managed Case Rules*

$680

Tax Audit

Covered
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Family

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Uncontested Separation

Covered Up To 10 Hours $595

Consent/Default Divorce

Covered Up To 10 Hours $595

Uncontested Divorce

Covered Up To 10 Hours $595

Contested Divorce (As Defined)

Covered Up To 28.5 hours
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Prenuptial Agreement

Covered

$680

Name Change

Covered

$255

Guardianship/Conservatorship

  • Uncontested
  • Contested
Uncontested: Covered
Contested: Covered
Subject to Managed Case Rules*
$300
$765

Governmental Agency Adoptions

  • Uncontested
  • Contested
Uncontested: Covered
Contested: Covered
Subject to Managed Case Rules*
$300
$765

Stepparent Adoptions

  • Uncontested
  • Contested
Uncontested: Covered
Contested: Covered
Subject to Managed Case Rules*
$300
$765

Juvenile Court Proceedings

Covered
Subject to Managed Case Rules*

$470

Civil

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Civil Litigation Defense

Covered
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Incompetency Defense

Covered
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Criminal Defense

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Traffic Ticket

Covered

$215

Serious Traffic Matters (Resulting In Suspension or Revocation Of License)

Covered

$425

Administrative Proceeding (Regarding Suspension or Revocation Of License)

Covered

$255

Misdemeanor Defense

Covered
Subject to Managed Case Rules*
$1,700 Maximum
Subject to Managed Case Rules*

Additional Benefits

LegalEASE Plan Coverage

Participating Attorney

LegalEASE  Coverage

Non-Participating Attorney

Elder Law

Included Not Applicable

Discounted Contingency Fees

Included Not Applicable

Mediation

Included

Not Applicable

Financial Advisor Included Not Applicable

Limitations apply.

*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.

 

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 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. 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 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 the group policy; Legal Plan Administrator or its subsidiaries; Claims Administrator or its subsidiaries; Policyholder; Member’s employer; Nationwide Mutual Insurance
Company and it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; Plan Sponsor; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the group policy / Certificate of Coverage.
 
The Certificate of Coverage 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 Certificate of Coverage, 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

Covered Services

In consideration of payment and receipt by Us of the applicable fees, all Covered Services are available to a Member and all Covered Family Members. Except as noted below, the following Covered Services are provided to the Member when the Member uses a Participating Attorney.

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, civil or criminal, except those specifically excluded.

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.

Review of Simple Documents:

The Participating 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.

Miscellaneous Law Office Services

Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services needed by the Member or Covered Family Member for review or preparation of documents, or any other service required on any legal matters not listed as a covered benefit or exclusion under this Contract. This benefit is limited to the maximum number of hours shown on the Schedule of Benefits per year.

Consumer Matters

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 per document, except general power of attorney, which is limited to one use per year per Covered Family Member.

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. (Attorney may not be permitted to attend court hearings in some jurisdictions).

This benefit is limited to one use per year.

Mail Order or Internet Purchase Dispute:

The services of an attorney to review the nature of any mail order or Internet Purchase dispute involving the purchaser prior to the commencement of litigation. This service includes the review or preparation of dispute letters, any purchase documents and/or consultation with the attorney. If litigation is commenced in this matter, the benefit will cover up to the maximum shown on the Schedule of Benefits.

This benefit is limited to one purchase per year.

Bank Fee Dispute:

The services of an attorney to review the nature of any (non-business related) bank fee dispute between the Member and their bank prior to the commencement of litigation. This service includes the review or preparation of dispute letters, any purchase documents and/or consultation with the attorney. If litigation is commenced in this matter, the benefit will cover up to the maximum shown on the Schedule of Benefits.

This benefit is limited to one dispute per year.

First-time Vehicle Buyer:

The services of an attorney for the purchase of a Member’s and/or Covered Family Member’s first vehicle. This service includes the review or preparation of purchase and finance documents and/or consultation by the attorney at or before closing.

This benefit is limited to one vehicle purchase per year and must be the first vehicle purchase of either the Member or Covered Family Member.

Vehicle Repair and Lemon Law Litigation:

Services related to the representation of a Member and/or Covered Family Member who is 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 include: (1) any lawsuit related to finances or defects that do not specifically fall under the definitions permitted in the applicable state lemon law; (2) lawsuits normally handled on a contingent fee basis; (3) any collection or related defense or action; or (4) matters for which the Member has or is required by law to have insurance.

This benefit is limited to one use per year.

Cell Phone Contract Dispute:

Review of the cell phone contract where the Participating 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 maximum number of pages shown on the Schedule of Benefits.

In the event of a dispute over the terms of the agreement between the cell phone company and the Member or any Covered Family Member, this benefit provides representation in a dispute relating to the cell phone contract if the Member/Covered Family Member is sued or named in a small claims court action. This service covers counseling on prosecuting a small claims court action; helping the Member/Covered Family Member prepare documents; advising on evidence, documentation and witnesses; and preparing the Member/Covered Family Member for trial. The service does not include the Participating Attorney’s attendance or representation at a small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

This benefit is limited to one use per year.

Warranty Dispute:

Review of the warranty policy or service contract where the Participating 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 up to the maximum number of pages shown on the Schedule of Benefits.

In the event of a dispute over the terms of the agreement between the warranty company and the Member or Covered Family Member, this benefit provides representation in a dispute relating to the warranty or service contract if the Member or Covered Family Member is sued or named in a small claims court action. This service covers counseling on prosecuting a small claims court action; helping the Member/Covered Family Member prepare documents; advising on evidence, documentation and witnesses; and preparing the Member/Covered Family Member for trial.

This benefit is limited to one uses per year.

Estate Planning

Will or Codicil Preparation:

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

Simple Will Preparation: Participating Attorney shall prepare a simple will or codicil for Member and/or Covered Family Member and discuss the legal requirements for signing the will.

This benefit is limited to one use per year per Member/Covered Family Member.

Complex Will Preparation: Participating Attorney shall prepare a complex will or codicil for Member or Covered 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 Covered Family Member as authorized by state law. A living will expresses an individual’s wishes as to the use or withdrawal of life support systems. A health care power of attorney appoints another to make medical decisions if the individual is unable to do so him/her self.

This benefit is limited to one use per year.

Living Trust Document:

Preparation of living trust documents. This benefit does not include services related to transactions to fund the trust or transfer assets into it. This benefit does not include tax planning or tax advice related to the trust or the Member’s situation before and after the trust is prepared.

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.

Residential Matters

Real Estate Sale, Purchase or Refinancing of Primary Residence:

The services of an attorney for the purchase, sale, or refinancing 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.

Vacation or Investment Home Purchase, Sale or Refinancing:

The services of an attorney for the purchase, sale, or refinancing of a Member’s vacation or investment residence (where Member has not resided or does not intend 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 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 properties are not included.

This benefit is limited to one closing per year.

Tenant Dispute:

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

This benefit is limited to one use per year.

Tenant Security Deposit Dispute:

The services of an attorney to assist the Member as a tenant in recovering a security deposit from the Member’s residential landlord for the Member’s primary residence; reviewing the lease and other relevant documents; and preparing a demand letter to the landlord for the return of the deposit. This benefit covers preparation for prosecuting a small claims action; helping prepare documents; advising on evidence, documentation and witness; and preparing the Member for the small claims trial. The service does not include the Participating Attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

This benefit is limited to one use per year.

Landlord Dispute with Tenant:

This benefit covers the Member where he/she is a landlord, but where the regular business or livelihood of the Member is that other than a landlord, for matters involving evictions, leases, or disputes with a residential tenant. The service includes advice and representation if a lawsuit is filed up to the maximum shown on the Schedule of Benefits. It does not include representation for a tenant in disputes with other tenants. If a lawsuit must be brought by the landlord, representation will be provided up to the maximum shown in the Schedule of Benefits and the Member will be responsible for paying all fees for any additional services required.

This benefit is limited to one use per year.

Security Deposit Dispute with Tenant:

This benefit covers the Member where he/she is a landlord, but where the regular business or livelihood of the Member is that other than a landlord, in defending against the recovery of a security deposit from the Member’s residential tenant for any residence owned and leased by the Member; reviewing the lease and other relevant documents; and preparing a letter to the tenant specifying what part of the deposit, if any, will not be returned. It also covers assisting the Member in defending a small claims action; helping prepare documents; advising on evidence, documentation and witness; and preparing the Member for the small claims trial. The service does not include the Participating Attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

This benefit is limited to one use per year.

Construction Defect Dispute:

The services of an attorney in a dispute relating to the Member’s new home purchased within the past five (5) years up to the maximum shown in the Schedule of Benefits. This benefit includes preparation and assistance for a dispute related to any defect or damage caused by the construction or related to the construction.

This benefit is limited to one use per year.

Neighbor Dispute:

The services of an attorney in a dispute relating to a Member’s neighbor up to the maximum shown in the Schedule of Benefits. Advice and/or preparation and assistance for a dispute filed in court is also covered, although representation in small claims court is not covered.

This benefit is limited to one use per year.

Noise Reduction Dispute:

The services of an attorney in a dispute relating to a Member’s enjoyment of his/her home, where any activity related to noise affecting the Member’s enjoyment of their home is prohibited by federal, state or local law, up to the maximum shown in the Schedule of Benefits. Advice and/or preparation and assistance for a dispute filed in court is also covered, although representation in small claims court is not covered.

This benefit is limited to one use per year.

Financial Matters

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.

Bankruptcy:

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

This benefit is limited to one use per year.

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.

Tax Audit:

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.

Family Matters

Separation, Divorce, Civil Annulment:

Legal representation of the Member only for up to the maximum shown on the Schedule of Benefits 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 the maximum shown on the Schedule of Benefits; the Member must pay the attorney’s fee for services in excess of the maximum; or, (2) 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 hours of attorney time, involves disputed issues and both parties are represented by an attorney.

This benefit is limited to one uses per year (representation seeking or defending against interim or subsequent-to-decree order shall constitute a separate use) and applies to the Member and Covered Family Members only for actions not involving the Member as an opposing party.

Prenuptial Agreement:

This service covers the preparation of an agreement by a Member and his or her fiancé/partner prior to their marriage or legal union (where allowed by law), outlining how property is to be divided in the event of separation, divorce or death of a spouse. Representation is provided only to the Member. The fiancé/partner must have separate counsel or must waive representation.

This benefit is limited to one use per year.

Name Change:

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

This benefit is limited to one use per year.

Guardianship/Conservatorship:

Services required to establish a Member and/or 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.

This benefit is limited to one use per year.

Government Agency/Stepparent Adoption:

Legal representation for a Member and/or Covered Family Member of up to the maximum shown in the Schedule of Benefits in a governmental agency or stepparent adoption. An uncontested adoption does not involve significant disputed issues. This benefit does not include: (1) contested termination of parental rights; (2) fees for a court-appointed attorney for the child; or (3) adoptions(s) made through any agency other than a governmental agency. A contested adoption requires more than five hours of attorney time and involves disputed issues.

This benefit is limited to one use per year.

Juvenile Court Matters:

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

This benefit is limited to one use per year.

Civil Litigation Defense

Civil Litigation Defense:

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

This benefit is limited to one use per year.

Incompetency Defense:

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

This benefit is limited to one use per year.

Criminal Defense

Traffic Tickets:

Services related to the representation of the Member and/or Covered Family Member in defense of any traffic ticket except driving under influence or vehicular homicide, including court hearings, negotiation with the prosecutor, trial, and counseling and preparing Member for self-representation at any hearings if chosen.

This benefit is limited to one use per year.

Serious Traffic Matters:

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

This benefit is limited to one use per year.

Administrative Proceeding:

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

This benefit is limited to one use per year.

Misdemeanor Defense:

Defense of a Member and/or Covered Family Member in connection with criminal misdemeanor charges (not associated with any felony charge).

This benefit is limited to one use per year.

 

Covered Services Endorsement

The Effective Date of this endorsement is the Effective Date of the Family Advisor Contract/Certificate to which this endorsement is attached. This endorsement is made a part of the Family Advisor Contract/Certificate to which it is attached. This endorsement is subject to all of the provisions and limitations of the Family Advisor Contract/Certificate. If there is a conflict between the Family Advisor Contract/Certificate and the endorsement, the terms of the endorsement will govern. The following is a list of Covered Services available, in addition to the services described in your Family Advisor Contract/Certificate of Coverage.

FINANCIAL ADVISOR

Financial Helpline

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

LEGAL PROTECTION PLAN

The following Covered Services are covered at a flat rate or discount as shown below, when performed by a Participating Attorney.

Discounted Contingency Fees:

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

When state laws do not set contingency fee: Maximum of 29% if settled before trial, 36% if trial is conducted, or 40% after an ppellate 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.

ELDER LAW

Eligibility of Parents

Parents of the Member and the Member’s Spouse, regardless of age, are eligible for benefits under the Elder Law coverage described herein. Benefits cover Biological Parents, Step-Parents and Adoptive Parents.

Elder Law Benefits

Advice and Consultation

Legal Helpline:

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

Financial Helpline:

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

Document Preparation

Simple Will Preparation:


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

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

Living Will Preparation:

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

Power of Attorney Preparation:

Eligible Parents, as defined above, may request one POA per year at no charge. Plan Attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the POA.

Additional Documents

Additional documents may be prepared for a minimal charge, up to once per year per Eligible Parent, as described above:

  • Healthcare Directive –$45 fee per document
  • Financial Power of Attorney – $45 fee per document
  • Durable Power of Attorney – $45 fee per document
  • Healthcare Durable Power of Attorney – $45 fee per document

Any 3 or more of the above documents may be prepared for a package cost of $115 per set.



Mediation

Consultation Services:

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

Topics include: domestic disputes, divorce or child custody proceedings, consumer problems, warranties, loan disputes, auto accidents.

Mediation Counseling Assistance:

Assistance is available to assist Members with understanding mediation and alternative dispute resolution. Examples of some topics are; charting projected lawsuit expenses, understanding when mediation might work, managing legal expenses in mediation, educational tools to make an informed decision, and advice on selecting mediator or other options. These services are designed to help Members deal with the increase in resolution pace.

Discounted Mediation Services:

Member receives a 10% discount on Participating Attorney’s normal mediation fees. This includes hourly rates and flat fees. However, this does not apply to contingency fees.

Obtaining Plan Benefits

Accessing 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.

2. Members actively receiving services under this Contract must remain enrolled and continue to pay plan fees hereunder.

Disputes Between Member and Covered Family Member

  1. In the event that the Member and one of the Covered Family Members are involved as adversaries in a dispute that is a Covered Service, the plan will cover the Member only.
  2. If two or more Covered Family Members are involved in a dispute that is otherwise covered under the plan, the plan will provide no coverage.
  3. If two Members are involved as adversaries in a dispute that is a Covered Service, the plan will provide separate coverage for each Member.

 

Definitions

“COVERED FAMILY MEMBER” – means the Member’s spouse and Member’s children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 26.

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

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

“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 associated with the Contractholder and who has paid or a payment has been made on his/her behalf and who meets the eligibility requirements for Covered Services as defined by the Contractholder.

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

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

“WE”, “US”, “OUR” AND “COMPANY” - means the name of the company indicated on the declarations page of this Contract.“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 children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 26.

“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.

“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.

“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.

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

 

 

Exclusions

This Policy excludes benefits for the following:

Appellate court proceedings, class actions, interventions, derivative action and amicus curiae filings.
 
The preparation and filing of individual, partnership or estate tax returns, appellate or administrative proceedings related to tax returns, litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.
 
Matters relating to securities, trademark or patent matters; business or commercial interests, including, but not limited to, professional, partnership and/or corporate matters; matters involving the law or laws of jurisdictions other than the United States and its territories except as specifically described under Covered Services; any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services; farm related issues; matters involving commercial or rental property transactions, including the purchase, sale or lease of investment or income-producing property.
 
Legal services that are fully paid for or provided at no cost by any governmental agency, organization or insurance company.
 
Matters that the attorney deems frivolous, spurious, harassing, or unethical (collectively referred to as “frivolous”) or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.
 
Costs associated with covered legal services, including but not limited to, all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, attorney fees, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgments, jury fees, court reporter fees, investigative costs and all other incidental and out-of-pocket legal and litigation costs.
 
Any services on behalf of a Covered Family Member against the interests of the Member.
 
Any employment-related matter. This includes, but is not limited to, any dispute involving the Member’s employer or its affiliates, their officers or directors, the Member’s employee benefit plans, credit unions, programs or arrangements sponsored by an employer, or cases involving workers’ compensation, unemployment compensation, sex harassment, age discrimination, etc.
 
Any dispute or proceeding against the following persons or entities, their officers, directors, employees, or agents: any person or entity involved in the sale, marketing, administration or other processes related to this Policy; Legal Plan Administrator or its subsidiaries; Claims Administrator or its subsidiaries; Policyholder; Member’s employer; Nationwide Mutual Insurance Company and it’s parents, subsidiaries or any affiliated or successor company, plan underwriter or reinsurer; Plan Sponsor; or any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the Policy.
 
The Policy will not provide benefits in connection with pre-existing matters, which includes any matter where the Member and/or Covered Family Member is on notice as to a pending legal dispute or has previously contacted an attorney, except when prior coverage under another Legal Plan provided by the Policyholder can be demonstrated.
 
Where there are specific hours or dollar amounts provide in this Policy, or where a maximum is set under the Managed Case Rules, the Member will be responsible for all attorney fees incurred over the maximum. Additional exclusions related to each benefit are included in the Covered Services.

Access

The Live/Phone Concierge Matching Service

Begin the search for a provider by simply calling in and letting our concierge service do the work for you. The process to connect you to an attorney based on your area of need, where you need legal assistance and needs/preferences typically takes one to two business days. Some legal needs may require more research to connect you to a network attorney that can specifically assist and therefore may take extra time.



      1(888) 416-4313, reference "NVIDIA"

 

  • Specialists are available from 8AM to 8:30PM, EST to help you determine what type of attorney you need, where you need an attorney, what dates or deadlines are important and any preferences you may have. Specialists can also answer questions about your plan benefits. 
  • Our teams contact providers in your preferred locations or where you legal need is occuring to confirm availability and ensure they can assist with the specifics of your legal issue before you even go to their office.
  • On average, we speak to seven attorneys before we confirm a network attorney is able and willing to assist. 

 

Why is the Live/Phone Concierge Matching Service Helpful to You?

The American Legal System is and at times seem vast. For example, within family law alone, there are over 40 legal areas. Most family attorneys only handle specific areas. Navigating this system can be time consuming, especially if you don’t know how to start looking for an attorney. That’s how the Concierge Matching Service helps.

For example, someone may think they need an attorney that takes child custody matters. So they take half a day to call different attorneys to see if they can schedule a meeting. After taking another day off from work for the consultation, they learn that the attorney doesn’t handle the specific case. Instead, a family attorney that handles stepparent adoptions is needed. The process repeats itself. Instead of finding out what you need after you take time off from work, our Concierge Matching Service helps you get started on the right foot.

With the Concierge Matching Service, a simple phone call helps you find out the specific type of attorney you need for your legal matter, where you need your attorney, and that has the ability to take your specific matter.

This is how it works.

First, your dedicated Member Specialist becomes your advocate as soon as you call. Through telling your story and answering a few questions, your specialist will determine your legal needs. This includes:

  • The type of legal matter you are experiencing
  • Any special dates or deadlines.
  • Any preferences or needs you may have, i.e. the need for a wheel chair ramp or language needs.

Second, a team of specialists takes your information and proceeds to find you an attorney. We match you to an attorney that:

  • Has the availability to take on your legal matter as attorney schedules are sometimes chaotic.
  • Has the ability to handle your specific legal matter.
  • Matches your preferences and needs.
  • Is located in the area of your legal matter. For example, where a legal custody order is filed.

Specialists speak to an average of seven attorneys before finding an available network attorney that can specifically assist.

Once your Network Attorney is located in the area of your legal need, has the availability to help with your specific legal matter, and confirms they handle the type of case needed, your dedicated specialist contacts you with the referral and will assist with scheduling your initial consultation. This network attorney will already be familiar with your case and benefits. The process typically takes less than two business days.

Access your LegalGUARD benefit by calling Member Services at 1(888) 416-4313. Specialists are available from 8AM to 8:30PM, ET Monday through Friday. Sit back and relax knowing we’re working on your behalf, finding you an attorney that can work with you.

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 legal insurance, 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.

FAQs

Frequently Asked Questions

If I am currently enrolled in the previous Hyatt Legal Plan, how do I enroll in the LegalEASE legal insurance plan?

If you are currently enrolled in a legal plan through NVIDIA, you will automatically be enrolled in the LegalEASE plan, unless you actively opt out of coverage during open enrollment.

When does coverage under the new legal insurance plan through LegalEASE begin?

If you are automatically enrolled during 2016 open enrollment, the LegalEASE plan coverage begins on January 1, 2017. All time spent on your matter by your attorney prior to the effective date of January 1, 2017 should be covered by the former legal benefits company. Please confirm with your current plan administrator, Hyatt Legal Plan. Work completed on or after January 1, 2017 will be covered by LegalEASE under the rules and benefits of the new certificate of coverage. To understand how coverage works under the new plan for an ongoing legal matter, please see the following FAQ.

What if I am currently involved in a legal matter during the transition from the Hyatt Legal Plan to the LegalEASE legal insurance plan?

If you are currently involved in a legal matter and using a provider under your current legal plan, Hyatt, there are four outcomes after the effective date of January 1, 2017 that can occur. Please contact Member Services at 1(888) 416-4313 as soon as possible for specific details. You must remain enrolled in the new legal plan for the following outcomes to be effective. If you do not remain enrolled, you will only have coverage with your previous legal plan to the end of 2016.

  1. If your current attorney is in the LegalEASE Network, you will receive in-network benefits and LegalEASE will coordinate the claims paperwork with your network provider.
  2. If the current attorney is NOT in the LegalEASE Network, Member Services will attempt to negotiate in-network benefits and add the attorney to the LegalEASE Network. This is not a guaranteed outcome. Providers must meet the LegalEASE provider credentials and standards of care and be willing to join the network.
  3. If the attorney does not wish to be added to the network, you may utilize out-of-network benefits with your current attorney. Any fees beyond the maximums shown for out-of-network benefits in your new LegalEASE legal insurance plan Certificate of Coverage may result in additional out-of-pocket expenses.
  4. You may request an in-network attorney if your current attorney is not in the LegalEASE Network. Limitations and conditions apply to this option. Please note court and other legal requirements may limit your current attorney's ability to discontinue representation.

Contact Member Services at 1(888) 416-4313 as soon as possible so that we may contact your current provider or provide further details.

What is LegalGUARD and who is LegalEASE?

LegalGUARD is the filed name of your new legal insurance plan. LegalGUARD is underwritten by Nationwide Mutual Insurance and is administered by LegalEASE.

What are Managed Case Rules?

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.

 Please see your Certificate of Coverage for specific definitions.

Attorney Search

You have three options when searching for an attorney. Knowing where to start may sometimes be challenging on your own. Your plan gives you choices when searching for a provider. Choose the option that is right for you and your situation.

     

 

  Option 1: Live/Phone Concierge Matching Service

If you are not sure where to start, have an escalated or complex legal issue, or you simply do not have the time to call providers on your own, contact the Live/Phone Concierge Matching Service and begin your assisted search for a provider. Google Hangouts is available from 8 am - 7 pm on non-holiday weekdays.

  1 (888) 416-4313  
 
 More Information Begin the search for a provider by simply calling in and letting our concierge service do the work for you. The process to match you to an attorney based on your area of need and preferences typically takes less than 2 business days. Some legal needs may take longer depending upon geography and complexity of the matter at hand.

Sit back and relax knowing we're working on your behalf. The main objectives of the Live Concierge Matching Service are to reduce the stress that can be caused by looking for an provider on your own and save you the time it can take locating the correct type of attorney that has availability to assist you with your legal need.
   


   

 

  Option 2: Self Search Online Directory

Utilize this option to generate a list of providers to contact at your convenience. Take this route if you want the maximum options at your fingertips when choosing a provider. This may not be the correct option for you if you have an escalated or complex legal issue.

 More Information Begin a search for a provider online by simply choosing an area of law and a zip code of where a legal matter is occurring. If at any point you have a question, or are not finding what you need, simply contact the Live/Phone Concierge Matching Service at the number above. 

Not all providers agree to be listed in the online directory, meaning the concierge options have access to more options and providers in your area. 

Not all providers agree to be listed in the online directory, meaning the concierge assisted options may have access to more providers in your area. If you have a matter that is very time sensitive and need assistance, please contact the Live/Phone Concierge Matching Service to better assist you.
   


   

 

  Option 3: Online Concierge Matching Service

A new option that allows you to receive the benefits of Live/Phone Concierge Matching assistance without speaking to someone on the phone to start a search. This may be the option for you if you want to fill out the questionnaire at your own pace, but still have the high touch of a concierge to match you to an attorney.
 
You must register first using the link below to access this feature.
 
 More Information Begin the search for a provider by simply using the online tool and letting the concierge service do the work for you. Use the online tool to pick your area of law and fill out the questionnaire. Next you will be contacted via when you have been matched to an available provider in the area you need an attorney.

The process to match you to an attorney based on your area of need and preferences typically takes less than 2 business days. Some legal needs may take longer depending upon geography and complexity of the matter at hand. Sit back and relax knowing we're working on your behalf.

The main objectives of the Online Concierge Matching Service are to reduce the stress that can be caused by looking for an provider on your own and save you the time it can take locating the correct type of attorney with availability to assist you in your legal need. If you have a matter that is very time sensitive, please contact the Live/Phone Concierge Matching Service to better assist you.