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Benefits Proudly Offered to Ocean Spray Employees

Be fully prepared and confident

with LegalEASE

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

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

Nobody likes to be caught off guard, especially when it comes to legal matters. Life can be complicated. Finding a good attorney doesn’t have to be. With LegalEASE, it’s easy to choose the best attorney, because you get assistance from highly trained and qualified personal specialists who review the details of local attorneys and help you find your best source for legal advice. Being a LegalEASE member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

With a LegalEASE plan, you get:

An attorney with expertise specific to your legal matter
Access to a national network of attorneys with exceptional experience that are matched to meet your needs
Coverage for in and out-of-network
Concierge help finding a better attorney and navigating common individual or family legal issues
Hours of financial counseling and coaching

We all make some sort of plan in life. But have you ever considered the possibility of a legal problem?

You've graduated from college and are planning for your future - where to get hired, which company will put you on the path to success. Whether to be single or date or settle down, and with the right person. Legal problems can be unexpected and interrupt your plans. LegalEASE provides coverage for your specific legal matter so you won't be caught off guard.

Protect your family’s future, with LegalEASE.

You work hard to make the right choices for your loved ones, especially when it comes to legal and financial matters. Get the peace of mind you want and the protection you need with a LegalEASE Plan. LegalEASE offers valuable benefits to shield your family and savings from unexpected legal issues.

According to the American Bar Association, more than 70 percent of U.S. households will have the need for a lawyer in the next 12 months. And the same study found most consumers feel uncertain about how to tell a good lawyer from a bad one. With LegalEASE you have access to a national network of credentialed attorneys and the help you need to find the best attorney for your legal matter with its concierge service.

Coverage

The Value of a LegalEASE Benefits Plan.

Being a LegalEASE benefits plan member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for:

Home and Residential
Financial and Money Matters
Consumer
Auto and Driving
Family and Personal
Civil Lawsuits
Estate planning and wills

LegalEASE Benefits Plan Coverage

Benefits are designed to meet the typical needs of an employee and their family. There are no deductibles to worry about for covered services. Benefits cover the attorney’s time. Other costs such as filing fees or court costs are not covered. Listed below are the types of matters that are covered by the LegalEASE benefits plan. This plan offers the convenience of in-network and out-of-network benefits. Many of the below areas are fully covered in-network.

Plan Cost

The LegalEASE Plan is $18.35 monthy, via payroll deduction.

Who's Covered?

The Member’s spouse and Member’s unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 26.

Schedule of Benefits
Advice and Consultation	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
LegalEASE Helpline	Covered	Not Applicable
Initial Law Office Consultation (One hour per calendar quarter)	Covered	Not Applicable
Review of Simple Documents - up to 6 Pages	Covered	Not Applicable
Miscellaneous Services	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Legal Services for any non-excluded legal matter not specifically covered in the Schedule of Benefits up to 10 hours per year	Covered	$60/hour
Discounted Legal Services for any non-excluded legal matter	25% Discount on Attorney's Hourly Rates	Not Applicable
Consumer Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Family Member Lease Agreement - Tenant only Time Share Agreement	Covered	$65 $55 $55 $55 $55 $55 $65 $55
Consumer Dispute	Covered	$595
Small Claims Court Reprsentation	Covered up to 2 hours with remainder at 25% discount	$120
Construction, and/or Renovation and/or Home Repair Dispute	Covered up to 5 hours with remainder at 25% discount	$300
Mail Order or Internet Purchase Dispute	Covered up to 5 hours with remainder at 25% discount	$300
Bank Fee Dispute	Covered up to 5 hours with remainder at 25% discount	$300
First-time Vehicle Buyer	Covered up to 5 hours with remainder at 25% discount	$300
Vehicle Repair and Lemon Law Litigation	Covered up to 5 hours with remainder at 25% discount	$300
Cell Phone Contract Dispute Contract review up to 6 pages Representation	Covered up to 5 hours with remainder at 25% discount	$300
Warranty Dispute Warranty review up to 6 pages Representation	Covered up to 5 hours with remainder at 25% discount	$300
Health Care Coverage Dispute and Records Office consultation up to 5 hours Review of Health Care Policy Review/preparation of document up to 5 pages	Covered up to 5 hours with remainder at 25% discount	$300
Identity Theft Defense	Covered	$850
Estate Planning	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Simple Will or Codicil for: Member Spouse Family Member	Covered	$80
Living Will/Health Care or Advance Directive	Covered	$55
Health Care or Medical Power of Attorney	Covered	$55
Revocable or Irrevocable Living Trust Document	Covered	$310
Probate of Small Estate	Covered up to 2 hours with remainder at 25% discount	$120
Residential Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Purchase of Primary Residence	Covered	$490
Sale of Primary Residence	Covered	$365
Refinancing of Primary Residence	Covered	$385
Vacation or Investment Home Purchase/Sale/Refinancing	Covered	$425
Tenant Dispute	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Tenant Security Deposit Dispute	Covered	$850
Landlord Dispute with Tenant Pre-litigation activities Trial Representation	Covered up to 10 hours with remainder at 25% discount	$595
Security Deposit Dispute with Tenant	Covered up to 10 hours with remainder at 25% discount	$595
Construction Defect Dispute	Covered	$425
Neighbor Dispute	Covered	$765
Noise Reduction Dispute	Covered	$765
Financial Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Debt Collection Defense Pre-litigation defense activities Trial defense	Covered	$425 $850
Bankruptcy (Chapter 7 or 13)	Covered	$935
Foreclosure	Covered	$680
Tax Audit	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Student Loan Refinancing/Collection Defense	Covered up to 7 hours with remainder at 25% discount	$420
Family	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Separation, Divorce, Civil Annulment Uncontested Separation or Civil Annulment Consent/default Divorce Uncontested Divorce	Covered up to 10 hours with remainder at 25% discount	$595
Contested Divorce, as defined	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Post-Divorce Proceedings, as defined	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Prenuptial Agreement	Covered	$680
Name Change	Covered	$255
Guardianship/Conservatorship	Uncontested: Covered Contested: Covered	$365 $765
Governmental Agency Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Stepparent Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Juvenile Court Proceedings	Covered	$470
Civil	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan 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*
Discounted Contingency Fees	10% discount on state maximum, or a maximum of 29% pre-trial, 36% at trial, or 40% in an appeal	Not Applicable
Mediation	10% discount on Mediator’s hourly rates	Not Applicable
Criminal Defense	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Traffic Ticket	Covered	$215
Serious Traffic Matters (resulting in suspension or revocation of license)	Covered	$425
Administrative Proceeding (resulting in Suspension or Revocation of License)	Covered	$255
Misdemeanor Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
DUI/DWI Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Additional Benefits	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Financial Advisor	Included	Not Applicable

Limitations apply.

* Managed Case Rules

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

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

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

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

Exclusions

The following benefits are excluded:

(a) Appellate court proceedings.

(b) Class actions.

(d) Malpractice proceedings.

(e) Actions in which punitive damages are being sought.

(f) Derivative actions and amicus curiae filings.

(g) The preparation and filing of:

(1) individual, partnership or estate tax returns;

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

(3) litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.

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

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

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

(3) matters involving the law or laws of jurisdictions other than the United States and its territories ;

(4) any matters involving a government (domestic or foreign) entity or agency;

(5) farm related issues;

(6) matters involving commercial or rental property transactions, including the purchase, sale or lease of investment or income-producing property. A multi-family residence, whether or not used by You/Covered Family Member as the primary residence, is deemed an investment or income-producing property.

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

(j) Matters that the attorney deems frivolous, spurious, harassing, or unethical or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.

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

all fines, court costs, penalties, sanctions, expert witness fees, bonds, bail bonds, attorney fees awarded as part of a judgment, exhibits, deposition costs, filing fees, transcripts, postage, telephone, photocopying, recording fees, messengers, judgments, jury fees, court reporter fees, investigative costs, arbitrator fees. This also includes all other incidental and out-of-pocket legal and litigation costs.

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

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

(1) any dispute involving:

• Your employer or its affiliates,

• their officers or directors,

• Your employee benefit plans,

• credit unions,

• programs or arrangements sponsored by an employer, or

(2) cases involving:

• workers’ compensation,

• unemployment compensation,

• sex harassment, and

• age discrimination.

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

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

(2) Legal Plan Administrator or its subsidiaries;

(3) Claims Administrator or its subsidiaries;

(4) Policyholder;

(5) Your employer;

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

(7) or any Participating and/or Non-Participating Attorney

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

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

(1) as to a pending legal dispute or

(2) has previously contacted an attorney

except when prior coverage under another Legal Plan provided by the Policyholder can be demonstrated.

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

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

ID Monitoring

What Employees get with a LegalEASE Identity Theft Plan:

Monitoring to ensurae no problems arise
Access to a national network of attorneys with exceptional experience that are matched to meet your employees’ needs
Credit-Monitoring Data coverage
Child Identity Monitoring
Concierge help navigating common individual or family issues

The Value of a LegalEASE Plan:

No-Credit Data

Internet Surveillance & Dark Web Monitoring- Scans online sources known for illegally buying and selling personal information, such as your stolen passwords, Social Security number, and date of birth, and notifies you if your identity may be at risk.

Lost Wallet

Protection for credit cards, debit cards, passports, checkbooks, driver’s licenses, Social Security cards, military identification cards, traveler’s checks, Medicare/Medicaid identification, insurance cards

Credit Monitoring

Members can enjoy peace of mind with proactive monitoring of multiple credit report(s) with alerts of any critical changes.

General

Identity Theft Insurance will reimburse Subscribers residing in the United States for certain ancillary expenses associated with restoring their identity should they become a victim of identity theft after such Subscriber is properly enrolled. The Company has been issued a policy that covers eligible expenses for up to $1,000,000, with no deductible, subject to the terms, limits and/or exclusions of the policy.

Full Identity Restoration

A certified identity theft restoration specialist assigned to identity fraud victims to provide full-service identity restoration over the duration of the case

• Use of a specialized limited power of attorney to work on the Subscriber’s behalf to restore the identity case, which frees them from that burden

• Interactive dispute letters to creditors and government agencies

• Interactive dispute letters to credit bureaus

Definitions

Definitions

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

“COMPLEX WILL” – means:

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

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

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

(e) You want to leave money to someone in a trust because the person cannot manage his or her own affairs (such as a mentally handicapped child), or

(f) 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

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

(h) You want to exclude any lawful dependents.

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

“COVERED FAMILY MEMBER” – means

(a) Your Covered Spouse

(1) newborn children from the moment of birth

(2) stepchildren

(3) legally adopted children

(4) children placed in the home for adoption

(5) children who are under Your or Covered Spouse’s sole legal guardianship

(6) foster children

(d) up to age 26

(g) are primarily dependent upon You for support .

“COVERED SPOUSE” – means Your lawful spouse at the time the coverage is in effect and for whom the required premium is paid where spouse coverage is optional.

“DURABLE FINANCIAL POWER OF ATTORNEY” – a legal document that allows an individual to appoint another person to manage the individual’s finances in the event that he/she is unable to do so him/her self.

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

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

“HEALTH CARE OR MEDICAL POWER OF ATTORNEY” – A legal document that allows an individual to appoint another person to make medical decisions in the event the individual is unable to do so him/her self.

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

“LEGAL PLAN ADMINISTRATOR” – LegalEASE,

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

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

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

“MEMBER” - refers to the individual who:

(a) is associated with the Policyholder,

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

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

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

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

• is selected and

• paid by You

to provide covered legal services.

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

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

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

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

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

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

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

“YOU” AND “YOUR” – means Member.

Covered Services

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

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:

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

Review of Simple Documents:

This benefit includes:

(a) attorney review,

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

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

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

Miscellaneous Law Office Services

Discounted Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to:

(a) review and/or prepare documents, or

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

This benefit may not be used to extend the coverage for any other service shown in the Schedule beyond the limits of coverage.

Consumer Matters

Document Preparation:

Preparation of any of the following documents:

(a) Simple Deed for the primary residence only

(b) Promissory Note

(d) Installment Sales Agreement

(e) Simple Affidavit

(f) General Power of Attorney

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

(h) Time Share Agreement

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

Consumer Dispute:

Consultation or representation in a dispute relating to consumer goods and services.

This benefit is limited to one use per year.

Small Claims Court Representation:

Consultation and/or representation for a 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:

(a) mail order or

(b) Surface Web Internet Purchase

dispute involving the purchaser prior to the commencement of litigation. This service includes:

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

(b) preparation of purchase documents and/or

This benefit is limited to one dispute per year.

Bank Fee Dispute:

The services of an attorney to review the nature of any (non-business related) bank fee dispute between You and Your bank prior to the commencement of litigation. This service includes:

(a) the consultation with the attorney and

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

This benefit is limited to one dispute per year.

First-time Vehicle Buyer:

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

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

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

This benefit is limited to one vehicle purchase per year and must be Your first vehicle purchase.

This benefit applies to the Member only.

Vehicle Repair and Lemon Law Litigation:

Services related to Your representation when entitled under the applicable state “lemon” law to bring a civil lawsuit (non-business related), up to and including the trial thereof related to a defective car as defined in the applicable state law. This benefit does not apply to:

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

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

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

This benefit is limited to one use per year.

Cell Phone Contract Dispute:

Review of the cell phone contract where the attorney will:

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

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

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

This benefit is limited to one use per year.

Warranty Dispute:

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

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

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

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

This benefit is limited to one use per year.

Health Care Coverage Dispute and Records:

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

(a) coverage,

(b) benefits, or

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

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

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

This benefit is limited to one use per year.

Identity Theft Defense:

Services related to Your representation regarding potential creditor actions resulting from identity theft, and attorney services as needed to contact:

(a) creditors,

(b) credit bureaus and

It also provides defense services for specific creditor actions over disputed accounts.

This benefit is limited to one use per year.

Estate Planning

Will or Codicil Preparation:

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

Will Preparation: Attorney shall prepare a will or codicil and discuss the legal requirements for signing the will.

This benefit does not cover Complex Wills. For a definition of a Complex Wills, please see the Definitions section.

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

Living Will/Health Care or Advance Directive/Health Care or Medical Power of Attorney:

This benefit covers the preparation of up to 2 of any of the following documents as defined in the Definitions section per Member/Covered Family Member:

(a) Living Will

(b) Health Care Directive

(d) Health Care Power of Attorney

(e) Medical Power of Attorney

The titles of the above documents may vary by state. When state law allows the information contained in any two or more of the above mentioned documents to be combined into one document, then the benefit covers the preparation of only one document, and cannot be combined to increase the total allowed benefit.

This benefit is limited to one document/set of documents per year per Member/Covered Family Member.

Revocable or Irrevocable Living Trust Document:

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

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

This benefit applies to the Member and Covered Spouse only.

Probate of Small Estate:

The service of an attorney for the probate of a small estate up to the maximum as shown in the Schedule. The estate must not be subject to current state or federal estate taxation. This benefit does not apply when there are applicable state-mandated attorney fees.

Residential Matters

Real Estate Sale, Purchase or Refinancing of Primary Residence:

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

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

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

This benefit does not include:

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

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

Home equity loans and the sale or purchase of unimproved or rental properties are not included. This benefit does not include any fees or costs other than those related to the attorney’s review of the purchase/sale documents.

This benefit is limited to one closing per year.

Vacation or Investment Home Purchase, Sale or Refinancing:

The services of an attorney for the:

(a) purchase,

(b) sale, or

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

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

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

This benefit does not include:

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

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

Home equity loans and the sale or purchase of unimproved properties are not included. This benefit does not include any fees or costs other than those related to the attorney’s review of the purchase/sale documents.

This benefit is limited to one closing per year.

Tenant Dispute:

Representation of You as a tenant in a dispute with his/her landlord. This benefit does not include representation for a tenant in a dispute with other tenants or for a tenant acting in his/her capacity as sublessee or sublessor.

This benefit is limited to one use per year.

Tenant Security Deposit Dispute:

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

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

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

This benefit covers:

(a) preparation for prosecuting a small claims action;

(b) helping prepare documents;

(d) preparing You for the small claims trial.

The service does not include:

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

(b) collection activities after a judgment or

This benefit is limited to one use per year.

Landlord Dispute with Tenant:

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

(a) evictions,

(b) leases, or

with a residential tenant.

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

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

This benefit is limited to one use per year.

Security Deposit Dispute with Tenant:

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

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

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

It also covers:

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

(b) helping prepare documents;

(d) preparing You for the small claims trial.

The service does not include:

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

(b) collection activities after a judgment or

This benefit is limited to one use per year.

Construction Defect Dispute:

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

This benefit is limited to one use per year.

This benefit applies to the Member/Covered Spouse only.

Neighbor Dispute:

The services of an attorney in a dispute relating to Your Neighbor up to the maximum shown in the Schedule. For a definition of Neighbor, please see the Definitions section. Advice and/or preparation and assistance for a dispute filed in court is covered, although representation in court is not covered.

This benefit is limited to one use per year.

This benefit applies to the Member/Covered Spouse only.

Noise Reduction Dispute:

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

(a) federal,

(b) state or

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

This benefit is limited to one use per year.

This benefit applies to the Member/Covered Spouse only.

Financial Matters

Debt Collection Defense:

The defense of any dispute involving personal (non-business related) debt. This benefit includes:

(a) correspondence,

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

(d) negotiating settlement after a complaint is filed.

This service does not include:

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

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

This benefit is limited to one use per year.

Bankruptcy:

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

This benefit is limited to one use per year.

This benefit applies to the Member/Covered Spouse only.

Foreclosure:

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

This benefit is limited to one use per year.

This benefit applies to the Member/Covered Spouse only.

Tax Audit:

This benefit includes:

(a) the services of an attorney (but not accounting services) during a personal (non-business related) tax audit required by federal and state tax authorities and (b) negotiations relating to it.

This benefit does not include a defense against criminal charges nor the defense of civil tax litigation in any tax court.

This benefit is limited to one use per year.

Student Loan Refinancing/Collection Defense:

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

This benefit includes:

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

(b) representation in defense of any action for:

(1) personal debt collection,

(2) tax agency debt collection,

(3) foreclosure,

(4) repossession or

(5) garnishment,

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

This benefit does not include:

(a) vacating a judgment;

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

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

This benefit is limited to one use per year. This service covers the Member and/or Covered Family Member when there is an issue regarding a student loan in the name of the Member and/or Covered Family Member

Family Matters

Separation, Divorce, Civil Annulment:

Legal representation of You for up to the maximum shown on the Schedule in an uncontested separation or civil annulment; consent or default divorce, uncontested divorce or Contested Divorce. An uncontested separation, divorce or civil annulment does not involve significant disputed issues and the parties resolve any issues prior to any court supervised proceeding.

A consent or default divorce does not involve any disputed issues and the opposing party is not represented by counsel.

The benefit for uncontested matters does not provide any coverage of an attorney’s fee for:

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

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

A contested separation, divorce or civil annulment requires:

(a) more than five hours of attorney time, and

(b) involves disputed issues and

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

Post-Divorce Proceedings:

Legal representation of You for up to the maximum listed on the Schedule of Benefits in a contested or uncontested post-divorce proceeding. An uncontested post-divorce proceeding does not involve:

(a) significant disputed issues and

(b) the parties resolve any issues prior to any court supervised proceeding.

The benefit for uncontested matters does not provide any coverage of an attorney’s fee for:

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

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

A contested post-divorce proceeding requires:

(a) more than five hours of attorney time,

(b) involves disputed issues and

This benefit includes custody, support, and alimony proceedings.

This benefit is limited to one use per year. This benefit applies to the Member and Covered Spouse only for actions not involving the Member as an opposing party.

Prenuptial Agreement:

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

(a) separation,

(b) divorce or

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

This benefit is limited to one uses per year.

This benefit applies to the Member only.

Name Change:

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

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

Guardianship/Conservatorship:

Services required to establish You/Covered Family Member as the guardian(s) or conservator(s) of a family member of either You or Covered Spouse. 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 up to the maximum shown in the Schedule of Benefits in a:

(a) governmental agency or

(b) stepparent adoption.

An uncontested adoption does not involve significant disputed issues.

This benefit does not include:

(a) contested termination of parental rights;

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

A contested adoption requires:

(a) more than five hours of attorney time and

(b) involves disputed issues.

If the amount of an attorney’s time for uncontested adoption exceeds the maximum shown in the Schedule of Benefits, or if the adoption becomes contested, then coverage will terminate and You will be responsible for any additional legal fees.

This benefit is limited to one use per year.

Juvenile Court Proceeding:

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

This benefit is limited to one use per year.

Civil Matters

Civil Litigation Defense:

Services related to representation when You are named as defendant in a filed civil lawsuit (non-business related), up to and including the trial thereof.

This benefit does not include: (1) any debt collection or family law matters; (2) lawsuits normally handled on a contingent fee basis; or (3) matters for which You have or are required by law to have insurance; (4) post judgment matters; (5) matters with criminal penalties; or (6) litigation of a job-related incident. This benefit does not include services relating to counter, third-party or cross claims.

This benefit does not include matters involving a dispute with:

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

(b) a housing cooperative board, or

(c) any individual in their capacity as a member of a condominium/ homeowners’/property owners’ association or a housing cooperative board.

This benefit is limited to one use per year.

Incompetency Defense:

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

This benefit is limited to one use per year.

Discounted Contingency Fees:

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

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

(b) When state laws do not set contingency fee: Maximum of 29% if settled before trial, 36% if trial is conducted, or 40% after an appellate brief is filed.

Contingency rate discount applies in those cases where attorneys customarily take a case on a contingency fee, (an agreed upon portion of any recovery), depending on the outcome of the case.

Mediation:

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

This benefit is limited to one use per year.

Criminal Defense

Traffic Ticket:

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

(a) court hearings,

(b) negotiation with the prosecutor,

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

This benefit is limited to one use per year.

This benefit applies to the Member only.

Serious Traffic Matter:

Services related to representing You when You are:

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

(b) conviction could result in suspension or revocation of a state-issued license permitting a person to drive a motor vehicle.

This benefit does not cover violations related to a commercial driver’s license. This benefit does not apply to Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations. This benefit cannot include expungements of misdemeanor convictions. This benefit does not include adjustments to probation or parole.

This benefit is limited to one use per year.

Administrative Proceeding:

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

(a) suspension or

(b) revocation

of driving privileges.

This benefit does not cover suspension or revocation of a commercial driver’s license.

This benefit is limited to one use per year.

Misdemeanor Defense:

Defense of You in connection with criminal misdemeanor charges (not associated with any felony charge). This benefit does not include defense of moving traffic violations. This benefit does not include juvenile matters. This benefit cannot be used for expungements of misdemeanor convictions. This benefit does not include employment related misdemeanors. This benefit does not include misdemeanors relating to a commercial driver’s license. This benefit does not include adjustments to probation or parole.

This benefit is limited to one use per year.

DUI/DWI Defense:

Defense of You in connection with Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations misdemeanor charges (not associated with any felony charge). This benefit does not include employment related DUI/DWI charges. This benefit does not include misdemeanors relating to a commercial driver’s license. This benefit does not include adjustments to probation or parole.

This benefit is limited to one use per year.

This benefit applies to the Member only.

FINANCIAL ADVISOR

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

Financial Helpline

Consultation with legal or financial professionals by toll-free telephone during normal business hours. Calls can relate to

investment strategies, debt matters, budgeting or any personal financial planning question.

Obtaining Benefits

Claim for Benefits

1. You should call the Member Service Center to confirm the potentially applicable benefit(s) prior to consulting with any attorney. You/Covered Family Member must provide all information requested with respect to the circumstances of an insured event or service provided. The Member Service Center will assign a Participating Attorney to provide services relative to the matter. Failure to notify the Member Service Center within thirty (30) days following consultation with an attorney may result in a denial of benefits.

2. To confirm coverage for matters to which Managed Case Rules apply reference Managed Case Rules in the Schedule.

3. You and/or Covered Family Members who are requesting services must remain enrolled and continue to pay premium hereunder.

4. Upon completion of a Covered Service, You/Covered Family Member may be required by the Participating Attorney to sign a confirmation of completion. Failure to sign the confirmation may result in denial of the claim and You/Covered Family Member will be responsible for all legal fees.

5. If You/Covered Family Member pay for pre-authorized services provided by a Non-Participating Attorney, You must:

(a) submit a reimbursement form (provided by Member Service Center) accompanied by an original itemized bill,

(b) proof of payment and

sufficient to demonstrate the work completed in the matter within sixty (60) days after incurring the legal fees. Benefits provided to You/Covered Family Member for Covered Services are subject to the maximum as shown in the Schedule.

6. Payment by Us for Covered Services does not preclude the attorney (whether Participating or Non-Participating) from seeking and recovering attorney’s fees from an opposing party, where authorized by:

(a) law,

(b) court rule, or

at the attorney’s customary or prevailing rate.

If You/Covered Family Member receive reimbursement of attorney’s fees, then You/Covered Family Member agree to reimburse Us for payments issued.

Disputes Between Member and Covered Family Member

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

If two or more Covered Family Members are involved in a dispute that is otherwise covered, no coverage will be provided.

If two Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

Exclusions

The following benefits are excluded:

(a) Appellate court proceedings.

(b) Class actions.

(d) Malpractice proceedings.

(e) Actions in which punitive damages are being sought.

(f) Derivative actions and amicus curiae filings.

(g) The preparation and filing of:

(1) individual, partnership or estate tax returns;

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

(3) litigation before the U.S. Tax Court, U.S. Court of Claims or any other federal, state or other courts with respect to tax matters.

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

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

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

(3) matters involving the law or laws of jurisdictions other than the United States and its territories ;

(4) any matters involving a government (domestic or foreign) entity or agency;

(5) farm related issues;

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

(j) Matters that the attorney deems frivolous, spurious, harassing, or unethical or otherwise prohibited by the Model Rules of Professional Conduct of the state in which the attorney is licensed.

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

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

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

(1) any dispute involving:

• Your employer or its affiliates,

• their officers or directors,

• Your employee benefit plans,

• credit unions,

• programs or arrangements sponsored by an employer, or

(2) cases involving:

• workers’ compensation,

• unemployment compensation,

• sex harassment, and

• age discrimination.

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

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

(2) Legal Plan Administrator or its subsidiaries;

(3) Claims Administrator or its subsidiaries;

(4) Policyholder;

(5) Your employer;

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

(7) or any Participating and/or Non-Participating Attorney

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

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

(1) as to a pending legal dispute or

(2) has previously contacted an attorney

except when prior coverage under another Legal Plan provided by the Policyholder can be demonstrated.

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

General Provisions

Attorney-Client Relationship

All attorneys are subject to the authority of the state Supreme Court and the state bar association of the state(s) where they are licensed to practice. You have the unrestricted right to choose an attorney. Your relationship with an attorney is privileged and strictly confidential. We will not interfere in:

(a) the attorney-client relationship or

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

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

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

(a) information and

(b) supporting documentation

on the number and type of services provided to You.

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

(a) We,

(b) nor the Policyholder,

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

(a) acts,

(b) errors or omissions

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

Non-Participating Attorney Services

If You already have an attorney, You may prefer to use her/him as a Non-Participating Attorney. To do so, You must first contact the Member Service Center and notify the representative of Your intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send You a claim form which must be completed and returned in order to request reimbursement. Your reimbursement will be based on the reimbursement schedule shown under the Non-Participating Attorney column of the Schedule. If You have a Non-Participating Attorney You would prefer to work with, the Legal Plan Administrator may elect to offer to negotiate with the attorney on Your behalf, but cannot guarantee the Non-Participating Attorney will accept the Plan Discounted Rate.

Subrogation and Coordination of Benefits

All benefits will be subject to subrogation and coordination of benefit rules. For the purpose of subrogation, We may require You/Covered Family Member to assign all rights of recovery of legal fees to the extent that payment is made by Us. If an assignment is sought, You/Covered Family Member must cooperate in providing the assignment.

Legal Terminology

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

Coverage Period

The coverage period is automatically renewable upon receipt of appropriate premium unless terminated in accordance with the terms hereof.

Coverage Territory

The coverage territory includes the United States and United States territories.

Premium Refund Provision

In the event that:

(a) the premium mode is other than monthly and

(b) the Group Policy is terminated or

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

Secondary Coverage

If You/Covered Family Member are entitled to receive legal services or reimbursement for legal services from any other person or organization, the coverage available under the Policy would be considered excess as defined in the National Association of Insurance Commissioners Model Coordination of Benefits Provisions.

Termination and Cancellation of Coverage

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

(a) Cancellation or termination of the Group Policy;

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

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

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

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

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

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

After the Group Policy has been in effect for sixty (60) days or more, it may be cancelled for one of the following reasons:

(a) Nonpayment of premium by Policyholder for covered Members;

(b) The Group Policy was obtained through material misrepresentation;

(d) The risk originally accepted has measurably increased;

(e) Loss of reinsurance by the Company;

(f) Continuation of the Group Policy would be in violation of the law;

(g) Company elects to discontinue underwriting the Group Policy for this class of risk.

The Company shall provide written notice of cancellation to the Policyholder at least sixty (60) days prior to the effective date of such cancellation. If the Company cancels for non-payment of premium, the Company shall provide written notice of cancellation to the Policyholder at least ten (10) days prior to the effective date of such cancellation. All notices shall state the reason for cancellation. The Policyholder is responsible for notifying the Members of cancellation.

Illegal Activity, Misrepresentation and Fraud

We will not provide coverage if You/Covered Family Member have:

(a) intentionally concealed or misrepresented any material fact or circumstances or

(b) been involved in any illegal activity related to the Policy or claim.

We will not provide coverage if doing so would be in violation of any United States economic or trade sanction.

Premium Remittance

The Policyholder shall remit premium on behalf of the Member for the Coverage Period to the Company no later than the 10th calendar day following the month for which Group Policy coverage is provided.

Grace Period

The Group Policy provides the Policyholder a grace period of thirty-one (31) days after the premium for covered Members’ due date to remit the premium that is due and unpaid. During the grace period, the Group Policy will continue in effect. If the premium for covered Members remains unpaid at the end of the grace period, the Policy will terminate. Termination will be effective at 12:01 a.m. on the thirty-second (32nd) day following the due date for which premium for covered Members remains unpaid. The Policyholder shall remain liable for the pro-rata portion of all premiums that accrue for the period the Group Policy is in effect.

Amendment of the Policy

The Group Policy may be amended or changed at any time by the Company upon written notice thereof and signed by a duly authorized representative. No agent, broker or sales representative may make any change in the Group Policy or waive any of its provisions. No statement made by any person modifies any term of the Group Policy.

Notice to any agent or knowledge possessed by any agent or by any other person shall not:

(a) affect a waiver or

(b) change any part of the Group Policy or

nor shall terms of the Group Policy be waived or changed except as stated above.

Change in Premium

We shall provide the Policyholder written notice of any change in premium thirty (30) days prior to the anniversary date of the Group Policy. Any such change shall apply to the Policyholder on the anniversary date of the Group Policy. The Policyholder is responsible for notifying the Members of the change in premium.

Portability

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

(a) an employee of the Policyholder or

(b) as a Member of the group

to which the Group Policy is issued.

You must apply for portability within thirty-one (31) days of this disqualifying event and make arrangements for premium payment. Portability coverage will take effect, subject to payment of the initial premium, as of the date Your coverage under the Group Policy terminates. Credit will be given for any applicable Waiting Period based upon the number of months coverage was in force for You under the Group Policy.

Waiver of Premium

Upon Your death, coverage for the surviving Covered Family Members continues for the remainder of the current Group Policy term. We waive further premium payments during this time.

Upon You being called to active duty for a period of more than thirty (30) consecutive days for the purposes of:

(a) military service or

(b) responding to a declared national emergency

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

(a) the length of Your absence and

(b) for so long as You remain eligible for benefits through the Policyholder.

Conformed to Statute

Any terms herein that conflict with the statutes of the jurisdiction where issued are amended to conform to the statutes.

Procedure for Obtaining a Hearing

You have the right to request a Division of Insurance hearing on any dispute or controversy arising between Us or Legal Plan Administrator and Member or between any attorney and Member within thirty days after such dispute or controversy arises make written request to the insurance commissioner for a hearing. The insurance commissioner or his designee shall hear the party or parties within thirty days after receipt of the request. Written notice of the time and place of the hearing will be given no less than 15 days after receipt of the request. Within thirty days after the hearing the insurance commissioner or his designee shall issue a decision. The Consumer Section of the Division of Insurance mailing address is 1000 Washington St., Suite 810, Boston, MA 02118. The phone number is 1-617-782-8750. The website is https://www.mass.gov/file-an-insurance-complaint.

A Legal Expense Member Survey form will be distributed to all Members after they have received a covered legal service. This form will be used by LegalEASE to help evaluate and improve services. This form can be faxed to LegalEASE using the number shown on the form. The use of the covered person’s name is optional.

You have the right to complain to the Board of Bar Overseers concerning attorney conduct in the providing of legal services. The Board of Bar Overseers investigates and evaluates complaints against Attorneys. Complaints are initially handled by the Attorney and Consumer Assistance Program (ACAP) of the Office of the Bar Counsel. Complaint forms can be obtained by calling the Attorney and Consumer Assistance Program (ACAP) at (617) 728-8750. Please note that complaints cannot be accepted via electronic mail due to confidentiality requirements. Completed complaint forms, or questions regarding the process, should be directed to following address:

Office of the Bar Counsel

99 High Street

Boston, Massachusetts 02110

(617) 728-8750

Assignment of Benefits

The benefits provided herein are not assignable

Network

About the Network of Attorneys

When going in for surgery, you don’t want a surgeon that has a poor track record or only a couple years experience. We feel that a legal need is just as important.

Help Focus Infrastructure

When it comes to finding an attorney, an employee can waste days looking for the right one, even with a legal plan. Our process has a Help Focus Infrastructure. We focus on our relationships with our Providers to help us help your employees, faster. Our Attorney Match Technology and dialogue with attorneys and members ensures the right help the first time. Matching an employee to the right help expedites solutions while saving time and stress.

Standards and Qualifications

The credentialing standards that we utilize to vet our providers is the most stringent in the country. We focus on years of experience, as well as insurance and discipline, as well as penalty of perjury submissions with extensive back ground checks.

Under the Provider Network, your employees will receive legal help from professionals with many of these service characteristics:

Experience in the Legal Matter Needed
Quality Time Spent in Consultations
Years of Legal Training and Experience
Up-to-date Legal Training Each Year
Lawyers Who are Service-Oriented
Lawyers Who Have a Solid Local Reputation in their Communities
Exceptional Backgrounds
Years of Courtroom and Trial Experience

Provider Standards of Care

The Network Provider shall strive to provide the highest quality of legal representation and service to Plan Members.

Plan Providers agree to the following:

To comply at all times with the Rules of Civil Procedure and Criminal Procedure and the Rules of Professional Conduct applicable to the jurisdiction.
To return member's calls promptly, within one business day, and communicate with members such that a member and the member's family do not voice substantiated concerns over promptness or frequency of your or your firm's communication.
To not enter continuances, adjournments, or the like without the member's comfort and consent.
To not arrange for substitutions or stand-ins unless the member has been previously advised and that the member understands that you remain responsible for the case and to contact you if there is any concern or if proceedings do not go as planned.
To always respect a member, their needs and family.
To maintain a professional office, in staffing and appearance.
To fully explain yourself such that a member has an understanding for the reasons behind your recommendations and suggestions, even if a member may not hire your firm.
To not complete any additional work that will result in a fee to the member, where not covered by the member's plan, until a fee arrangement is fully understood by the member and there is a written agreement.
To help each member individually and ensure that everything you do is in the interest of the member.
To notify LegalEASE if there is or may be the possibility of a conflict of interest or violation of ethical codes.
To notify LegalEASE if there may be a misunderstanding or potential service issue where there may be a complaint without breaking any client confidences.
To direct any grievances or concerns, such as process procedure or billing, to Legal Access and not a member.
To not refer any member to another attorney without the knowledge and consent of Legal Access if you cannot assist.
To take responsibility and uphold the highest standards of customer service delivered by any and all firm staff or employees that have interaction with members.
To communicate and cooperate with LegalEASE on any concern, inquiry or issue and return any communication from Legal Access within one business day.

About

We are here to serve you...

We believe people deserve to have a sense of safety and security, a peace of mind, when it comes to being protected in legal matters that they may not be the experts in. To have access to legal professionals that can ease and solve their legal burdens. We are here to serve you.

How we do it is by providing an in-depth pool of resources to accommodate all your legal needs. Legal Access and LegalEASE have broad experiences with employees in small, medium and large companies in the public and private sectors, local, state and federal government offices, unions, employee assistance plans, work-life companies, and organizations, when it comes to solving your legal matters.

What we do is provide value by creating unparalleled access to a network of skilled attorneys to cover your legal needs with options in convenient plans. We are a diversified employee benefits company engaged in administration, network development, technology management and insurance, based in Houston, Texas. Since 1971, we have grown from five attorneys in Los Angeles providing services to a modest amount of companies into a company with the strongest attorney network across America. We provide assistance to members over half of a million times each year throughout the United States and the world.

Legal Access Companies consists of several companies and brands to best meet customer needs, including but not limited to: Legal Plans USA, Legal Access Plans, LegalEASE, and LAMG. Legal Access Plans has a wide array of products across several market segements, including worksite, employee assistance and worklife. LegalEASE is the group's primary insurance brand and focuses primarily in the worksite market. LegalEASE products are underwritten and presented by Virginia Surety Company, part of the Warranty Group.