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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 $18.00 monthly, via payroll deduction.

Who's Covered?

The Member’s Covered Spouse or Domestic Partner and the 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 - Review of documentation up to 6 pages	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	$60/Hour
Discounted Legal Services for any non-excluded legal matter	25% discount on Participating Attorney’s hourly rates	Not Applicable
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 Lease Agreement - Tenant only Time Share Agreement	Covered	$65 $55 $55 $55 $55 $55 $55 $65 $55
Consumer Dispute	Covered	$595
Small Claims Court Representation	Covered Up To 2 Hours	$120
Mail Order or Internet Purchase Dispute	Covered Up To 5 Hours	$300
Bank Fee Dispute	Covered Up To 5 Hours	$300
First-time Vehicle Buyer	Covered Up To 5 Hours	$300
Vehicle Repair and Lemon Law Litigation	Covered Up To 5 Hours	$300
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
Will or Codicil	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	$105
Elder Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Coverage Non-Participating Attorney
Elder Parent Will Preparation	Covered	$80
Elder Parent Living Will/Health Care or Advance Directive	Covered	$55
Elder Parent Durable Financial Power of Attorney	Member co-pay $45 per document	Not Applicable
Elder Parent Health Care or Medical Power of Attorney	Member co-pay $45 per document	Not Applicable
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
Landlord Dispute with Tenant Pre-litigation activities Trial Representation	Covered up to 10 hours	$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
Noise Reduction Dispute	Covered Subject to Managed Case Rules*	$765
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
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 Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Coverage Non-Participating Attorney
Uncontested Separation or Civil Annulment	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	$1,700 Maximum Subject to Managed Case Rules*
Post-Divorce Proceedings, as defined	Covered Up To 28.5 hours	$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 Subject to Managed Case Rules*	$470
Civil Matters	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*
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 Coverage Non-Participating Attorney
Traffic Ticket	Covered subject to Managed Case Rules*	$215
Serious Traffic Matters (Resulting In Suspension or Revocation Of License)	Covered subject to Managed Case Rules*	$425
Administrative Proceeding (Regarding Suspension or Revocation Of License)	Covered subject to Managed Case Rules*	$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 Coverage Non-Participating Attorney
Financial Advisor	Included	Not Applicable
Identity Theft Assistance	Included	Not Applicable

Limitations apply.

****The policy language listed herein is intended to provide a general overview of a typical LegalEASE policy. Please see your LegalEASE policy for specific coverage amounts and exclusions.

*Managed Case Rules Require the Following:

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

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

Definitions

“CLAIMS ADMINISTRATOR” - means LegalEASE; 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 Covered Spouse and the 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 or Domestic Partner at the time the coverage is in effect.

“DOMESTIC PARTNER” – means the Member’s domestic partner as defined by the jurisdiction in which the Member primarily resides.

“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 the Member’s coverage hereunder begins.

“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 of purchase by a Member from a website on the Surface Web, as defined.

“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 the Policy.

“LIVING WILL/ HEALTH CARE OR ADVANCE DIRECTIVE” – A legal document that outlines an individual’s preferences for medical treatment and which takes effect only 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 (c) meets the eligibility requirements for Covered Services as defined by the Policyholder.

“MEMBER SERVICE CENTER” - means the service location established to assist Members/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 a Member’s residence is located.

“NON-PARTICIPATING ATTORNEY” - means an attorney not contracted by the Legal Plan Administrator who is selected and paid by the Member to provide covered legal services up to the maximum amount shown under the Non-Participating Attorney column of the Schedule of Benefits.

“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 at the amount shown under the Participating Attorney column of the Schedule of Benefits.

“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.

Covered Services

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

Advice and Consultation

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

Review of Simple Documents:

This benefit includes attorney review, verbal explanations of the meaning or impact of any form or document, or suggestions for changes to a form or proposed 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 to review and/or prepare documents, or 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 of Benefits beyond the limits of coverage.

This benefit is limited to the maximum number of hours shown on the Schedule of Benefits per year.

Discounted Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to review and/or prepare documents, or any other service required on any legal matters not listed as a Covered Service or Exclusion

Consumer Matters

Document Preparation:

Preparation of any of the following documents:

• Simple Deed

• Promissory Note

• Consumer Dispute Correspondence

• Installment Sales Agreement

• Simple Affidavit.

• General Power of Attorney

• Lease Agreement (for the Member/Covered Family Member as a tenant only)

• Time Share Agreement

Consumer Dispute:

Consultation or representation in a dispute relating to consumer goods and services (not directly or indirectly related to real estate construction or renovation, or landlord/tenant disputes).

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).

Mail Order or Internet Purchase Dispute:

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

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 consultation with the attorney and review and/or preparation of purchase documents and/or dispute letters. If litigation is commenced in this matter, the benefit will cover up to the maximum shown on the Schedule of Benefits.

First-time Vehicle Buyer:

The services of an attorney for the purchase of a first vehicle. This service includes the consultation with the attorney at or before closing and/or review and/or preparation of purchase and finance documents.

Vehicle Repair and Lemon Law Litigation:

Services related to the representation of a 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 apply to: (1) any lawsuit related to matters that are not specifically listed under the provisions of the applicable state fraud laws; (2) lawsuits normally handled on a contingent fee basis; (3) any action for or defense against a collection or related matter; or (4) matters for which the Member has or is required by law to have insurance.

Cell Phone Contract Dispute:

Review of the cell phone contract where the 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, this benefit provides for representation in a dispute relating to the cell phone contract only if the Member has been sued or named in a small claims court action. This service covers counseling on prosecuting a small claims court action; helping the Member prepare documents; advising on evidence, documentation and witnesses; and preparing the Member for trial. The service does not include the attorney’s attendance or representation at a small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

Warranty Dispute:

Review of the warranty policy or service contract where the 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, this benefit provides representation in a dispute relating to the warranty or service contract only if the Member has been sued or named in a small claims court action. This service covers counseling on prosecuting a small claims court action; helping the Member prepare documents; advising on evidence, documentation and witnesses; and preparing the Member for trial. The service does not include the attorney’s attendance or representation at a small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

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.

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:

• Living Will

• Health Care Directive

• Health Care Power of Attorney

• 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.

Revocable or Irrevocable Living Trust Document:

Preparation of a revocable or irrevocable living trust for the Member and/or Covered Family Member. 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 does not include the preparation of: a charitable or charitable remainder trust; special needs trust; tax by-pass or credit shelter trust; asset protection trust; insurance trust; qualified domestic trust (QDOT); qualified terminable interest property trust (QTIP); or blind trust.

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

Elder Matters

Elder Parent Will Preparation:

Each Eligible Parent may receive one Simple Will per year at no charge. The attorney will prepare the document an discuss the legal requirements for signing the will. [This benefit does not cover Complex Wills, as defined in the Definitions section.

This benefit is limited to one use per year per Eligible Parent.

Elder Parent Living Will/Health Care or Advance Directive:

Each Eligible Parent may request one Living Will/Health Care or Advance Directive, as they are defined in the Definitions section, per year at no charge . The attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the Living Will/Health Care or Advance Directive. The titles of the above documents may vary by state. When state law allows the information contained in any two or more of these 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 Eligible Parent.

Elder Parent Durable Financial Power of Attorney:

Each Eligible Parent may request one Durable Financial Power of Attorneys, as defined in the Definitions section, per year at the co-pay rate shown in the Schedule of Benefits. The attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the Durable Financial Power of Attorney. The titles of the above documents may vary by state.

This benefit is limited to one document/set of documents per year per Eligible Parent.

Elder Parent Health Care or Medical Power of Attorney:

Each Eligible Parent may request one Health Care or Medical Power of Attorney, as they are defined in the Definitions section, per year at the co-pay rate shown in the Schedule of Benefits. The attorney will prepare the document as authorized by state law and discuss the legal requirements for signing the Health Care or 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 these 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 Eligible Parent.

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 Member has resided or intends to reside for twenty-seven (27) weeks or more per year). This service includes the review and/or preparation of closing documents and/or attendance by the attorney at closing in situations when it is customary for the attorney 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.

Vacation or Investment Home Purchase, Sale or Refinancing:

The services of an attorney for the purchase, sale, or refinancing of a 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 and/or preparation of closing documents and/or attendance by the attorney at closing in situations when it is customary for the attorney 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.

Tenant Dispute:

Representation of the Member 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.

Tenant Security Deposit Dispute:

The services of an attorney to assist the Member as a tenant in recovering a security deposit from the residential landlord for the 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 witnesses; and preparing the Member for the small claims trial. The service does not include the attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

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. 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 of Benefits and the Member will be responsible for paying all fees for any additional services required.

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 witnesses; and preparing the Member for the small claims trial. The service does not include the attorney’s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions.

Construction Defect Dispute:

The services of an attorney in a dispute relating to a defect or damage caused by the construction of the Member’s new primary residence (where Member has 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 of Benefits.

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. 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 small claims court is not covered.

Noise Reduction Dispute:

The services of an attorney in a dispute relating to a Member’s enjoyment of his/her residence, 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.

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.

Bankruptcy:

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

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.)

Tax Audit:

Includes 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 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.

Family Matters

Separation, Divorce, Civil Annulment:

Legal representation of the Member for up to the maximum shown on the Schedule of Benefits 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: (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 the coverage includes 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 requires that both parties be represented by an attorney.

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 the Member 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 significant disputed issues and 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: (1) services in excess of the maximum listed on the Schedule of Benefits; the Member must pay the attorney’s fee for services in excess of the maximum; (2) 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 of Benefits. A contested post-divorce proceeding requires more than five hours of attorney time, involves disputed issues and requires that both parties be represented by an attorney.

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 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.

Name Change:

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

Guardianship/Conservatorship:

Services required to establish a Member/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.

Government Agency/Stepparent Adoption:

Legal representation 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.

Juvenile Court Proceeding:

Services related to the representation of the dependent child of a Member/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.

Civil Matters

Civil Litigation Defense:

Services related to the representation of a Member who is a named 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 the Member has or is required by law to have insurance.

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.

Discounted Contingency Fees:

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

• 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 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.

Criminal Defense

Traffic Ticket:

Services related to the representation of the 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 does not cover violations related to a commercial driver’s license.

Serious Traffic Matter:

Services related to the representation of a Member who is charged by governing authorities with moving traffic violation(s) and 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.

Administrative Proceeding:

Services related to the representation of a Member in an administrative proceeding relating to the suspension or revocation of driving privileges. This benefit does not cover suspension or revocation of a commercial driver’s license.

Misdemeanor Defense:

Defense of a Member in connection with criminal misdemeanor charges (not associated with any felony charge).

DUI/DWI Defense:

Defense of a Member 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.

The following is a list of Covered Services available, in addition to the services described in your Certificate of Coverage.

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.

IDENTITY THEFT PREVENTION/RECOVERY ASSISTANCE

Coverage includes a basic Identity Theft HelpLine Service as well as a comprehensive Online Identity Theft Prevention and Assistance Service for Member, and Covered Family Members.

Advice and Consultation

Telephone consultations (10 per year) with a Trained Identity Theft Recovery Specialist.

Additional Benefits

a) Personal Recovery Kit – designed to walk a victim of identity theft step-by-step through the process of recovery (designed to

be utilized in conjunction with the consultations with the Recovery Specialist).

b) Recovery Letter preparation by plan attorney – a plan attorney will draft the simple affidavits to submit to specific agencies and

organizations needed to establish the theft of your identity and prevent further loss of your identity and credit rating.

c) Review of necessary recovery legal documents (up to 6 pages each).

Obtaining Benefits

Claim for Benefits

1. Members should call the Member Service Center to confirm the potentially applicable benefit(s) prior to consulting with any attorney. The Member/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 of Benefits.

3. Members 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, the Member/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 the Member/Covered Family Member will be responsible for all legal fees.

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

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 law, court rule, or contract, at the attorney’s customary or prevailing rate. If the Member/Covered Family Member receives reimbursement of attorney’s fees, then the Member/Covered Family Member agrees to reimburse Us for payments issued.

Disputes Between Member and Covered Family Member

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, only the Member 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:

Appellate court proceedings, class actions, interventions, malpractice proceedings, actions in which punitive damages are being sought, derivative actions and amicus curiae filings.

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; 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 multi-family residence, whether or not used by the Member/Covered Family 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 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 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, 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, and age discrimination.

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 Policy; Legal Plan Administrator or its subsidiaries; Claims Administrator or its subsidiaries; Policyholder; Member’s employer; Virginia Surety Company, Inc. 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.

Except for consultation, the Policy will not provide benefits in connection with pre-existing matters, which includes any matter where the Member/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 provided in the Policy, or where a maximum is set under the Managed Case Rules, the Member will be responsible for all attorney fees incurred which exceed the maximum. Additional exclusions related to each benefit are included in the Covered Services.

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. The Member has the unrestricted right to choose an attorney. The Member’s relationship with an attorney is privileged and strictly confidential. We will not interfere in the attorney-client relationship or 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.

The Member shall authorize the Participating Attorney to provide the Legal Plan Administrator with information and supporting documentation on the number and type of services provided to the Member.

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

Non-Participating Attorney Services

If the Member already has an attorney, the Member may prefer to use her/him as a Non-Participating Attorney. To do so, the Member must first contact the Member Service Center and notify the representative of his/her intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send the Member a claim form which must be completed and returned in order to request reimbursement. The Member’s reimbursement will be based on the reimbursement schedule shown under the Non-Participating Attorney column of the Schedule of Benefits. If a Member has a Non-Participating Attorney he or she would prefer to work with, the Legal Plan Administrator may elect to offer to negotiate with the attorney on behalf of the Member, 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 the Member/Covered Family Member to assign all rights of recovery of

legal fees to the extent that payment is made by Us. The Member is entitled to complete reimbursement for recovery of legal fees paid by the Member before the Company is entitled to recovery or subrogation proceeds. If an assignment is sought, the Member/Covered Family Member must cooperate in providing the assignment.

Legal Terminology

The Member 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 the premium mode is other than monthly and the Group Policy is terminated or the Member elects to terminate the coverage, a pro-rata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.

Secondary Coverage

If the Member/Covered Family Member is 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. The date notice is received or the date the Policyholder requests cancellation. The Policyholder may cancel the Policy by sending written notification by mail, fax or e-mail;

surrendering the Policy; or providing verbal notice. If the Policyholder provides verbal notice, We will require the Policyholder to provide written confirmation of cancellation.

b. The date notice is received or the date the Member requests cancellation. The Member may cancel the coverage by sending written notification by mail, fax or e-mail; surrendering the Certificate of Coverage; or providing verbal notice. If the Policyholder provides verbal notice, We will require the Member to provide written confirmation of cancellation.

c. Cancellation or termination of the Group Policy;

d. If applicable, the Member fails to re-enroll;

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

f. 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.

The Company shall provide written notice of cancellation to the Policyholder and Member at least forty-five (45) days prior to the effective date of such cancellation. If the Company cancels for nonpayment of premium, the Company shall provide written notice of cancellation to the Policyholder and Member at least ten (10) days prior to the effective date of such cancellation. All notices shall state the reason for cancellation.

Illegal Activity, Misrepresentation and Fraud

We will not provide coverage if the Member/Covered Family Member has intentionally concealed or misrepresented any material fact or circumstances or 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 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 affect a waiver or change any part of the Group Policy or stop Us from asserting any right under the terms of the Group Policy 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

The Member may continue this insurance by electing the option of portability when the Member no longer qualifies as an employee of the Policyholder or as a Member of the group to which the Group Policy is issued. The Member must apply for portability within sixty (60) 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 the Member’s 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 the Member under the Group Policy.

Conformed to Statute

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

Assignment of Benefits

The benefits provided herein are not assignable.

Entire Contract

The Group Policy, including the endorsements, if any, constitutes the entire contract of insurance.

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

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.

FAQs

Frequently Asked Questions

How do I access my benefits?

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 3 business days. Some legal needs may take longer depending upon geography and complexity of the matter at hand.

Call 1(888) 416-4313 and 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 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 find the right match.

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 a 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.

Other methods of access include the Self Search Online Directory and Online Concierge Matching Service. For more information, visit the Attorney Search tab on this site.

What if I already have an attorney?

If you already have an attorney, and prefer to use her/him as a Non-Participating (Out-of-Network) Attorney, first contact the Member Service Center. 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 to request reimbursement. Your reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits of the Plan. If you already have an attorney at the time you become a Member, the Legal Plan Administrator can offer to negotiate with your attorney on your behalf, but does not guarantee the Plan Discounted Rate will be accepted by the attorney or offered by LegalEASE.

What if I want to use benefits that are subject to Managed Case Rules?

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.

To obtain benefits that are subject to Managed Case Rules:

You and/or a Covered Family Member must secure a confirmation letter from the Member Service Center prior to proceeding with an attorney.
The attorney must provide a written estimate of fees reflecting his or her best judgment as to the likely conduct of the case.
We will set a maximum attorney fee that takes into account the reasonable level of reimbursement for the proceeding and the proposed litigation strategy. Fees as a result of services in excess of the maximum attorney fee are your responsibility.

If you are actively receiving services, you must remain enrolled and continue to pay premium hereunder. All benefits will be subject to subrogation and coordination of benefit rules.

Upon completion of a Covered Service, you and/or Covered Family Member will 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.

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

What if other coverage is available to me?

You are entitled to receive legal representation provided by any other organization such as an insurance company or a government agency, or if you are entitled to legal services under any other legal plan, coverage will not be provided under this Plan. However, if you are eligible for legal aid or Public Defender services, you will still be eligible for benefits under the Plan, so long as you meet the eligibility requirements.

What if I am involved in a legal dispute with Covered Family Members?

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 you are involved with another Member dispute that is a Covered Service, separate coverage for each Member will be provided.

What if I am involved in a dispute with another employee?

The Plan excludes any employment related matters as well as any action against you as the Policyholder and Member's Employer. If two Members are involved as adversaries in a dispute that is a Covered Service, separate coverage for each Member will be provided.

What if the court awards attorney's fees as part of a settlement?

If you are awarded attorney's fees as a part of a court settlement, the Plan must be repaid from this award to the extent that it paid the fee for your attorney.

Who is eligible for coverage under my plan?

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

How do I enroll?

To enroll, please visit your online portal that was designated by NVIDIA.

When does coverage begin?

If you elected coverage during open enrollment, coverage begins January 1 of the following plan year. For new hires it will begin on your date of hire.

When does coverage end?

Termination and Cancellation of Coverage provided to you shall terminate upon the first of the following to occur:

Cancellation or termination of the group policy;
If applicable, the Member fails to re-enroll;
The date of termination; or
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:

The Member's coverage is cancelled or terminated; or
The family member ceases to qualify as a Covered Family Member as defined.

When coverage for a Member and/or Covered Family Member terminates and a matter is unresolved when coverage is terminated, then any further legal work between the Member and/or Covered Family Member and the Participating Attorney shall be outside the scope and coverage of the Plan. The Participating Attorney shall not be obligated to provide any benefits and any further legal services shall be based upon an independent and separate fee agreement entered into, if at all, between the former Member and/or 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.

Are benefits portable?

The Member may continue coverage by electing the option of portability when the Member no longer qualifies as an eligible employee of the Policyholder or as a Member of the group to which the Plan is issued. The Member must apply for portability within sixty (60) 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 the Member's coverage under the group policy terminates.

What about plan confidentiality and attorney client relationships?

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

You shall authorize the Participating Attorney to provide the Legal Plan Administrator with information and supporting documentation on the number and type of services provided to the Member. Your use of the Plan and the legal services is confidential. Plan administrators will have access only to limited information needed for orderly administration of the Plan.

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

Plan Attorneys will refuse to provide services if the matter is clearly without merit, frivolous or for the purpose of harassing another person.

If you have a complaint about the legal services you have received or the conduct of an attorney, call LegalEASE at 1(888) 416-4313. Your complaint will be reviewed and you will receive a response within two business days of your call.

Where can I use my benefits?

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

Can I still retain my own attorney?

You have the right to retain at your own expense any attorney authorized to practice law in the state.

While your employer expects to continue to offer participation in the LegalEASE Plan, it reserves the right to amend, or terminate the Plan at any time.

Who is the administrator of the LegalEASE Plan?

The Legal Plan is provided for and administered through a contract with LegalEASE. LegalEASE has exclusive discretion to make all determinations regarding attorney's fees and what constitutes covered services, adoption of administration rules; to make factual determinations and interpret the plan, correct defects, supply omissions and reconcile inconsistencies to the extent necessary to effectuate the plan and such action will be conclusive upon the Company, the Plan, participants, employees, their dependents and beneficiaries; decide upon questions of eligibility and participation, prescribe procedure and election forms, to accept, modify or reject elections, and to settle any lawsuits against the Plan or Plan Administrator. All contributions collected from employees electing this coverage are paid to LegalEASE.

How much does the plan cost?

The cost of the plan is $18.00 monthly, via payroll deduction. You pay the cost of the Plan through after-tax payroll deductions.

What if I am denied eligibility?

LegalEASE verifies eligibility using information provided by your employer. When you call for services, you will be advised if you are ineligible and LegalEASE will contact your employer for assistance. If you are not satisfied with the final determination of eligibility, you have the right to formal review and appeal. See the procedures outlined in the next section.

What if I am denied coverage?

If you are denied coverage by LegalEASE or by any Plan Attorney, you may appeal by sending a letter to:

LegalEASE

Director of Administration

5151 San Felipe Street, Suite 2300

Houston, Texas 77056

The Director will issue LegalEASE Legal Plan's final determination within 60 days of receiving your letter. This determination will include the reasons for the denial with reference to the specific Plan provisions on which the denial is based, and if applicable, a description of any additional information that might cause LegalEASE Legal Plans to reconsider the decision, and an explanation of the review procedure.

How do I appeal?

If you, your beneficiary or your authorized representative feel that an error has been made concerning your eligibility to participate in the Plan you, your beneficiary or your authorized representative may request reconsideration under the Plan. All requests for reconsideration must be submitted in writing to the Plan Administrator at the following address:

Attn: Plan Administrator

c/o LegalEASE

5151 San Felipe Street, Suite 2300

Houston, Texas 77056

The Plan Administrator will review your claim and respond to you with a determination. The decision of the Plan Administrator is final and binding.

What is LegalGUARD and who is LegalEASE?

LegalGUARD is the filed name of your new legal insurance plan. LegalGUARD is underwritten by Virginia Surety Company and is administered by LegalEASE.

Attorney Search

Knowing where to start can be challenging on your own. LegalEASE provides options when searching for an attorney. Members have choices listed below to access the best solutions for your individual 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: LAMP™: LegalEASE Attorney Matching Portal

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.

Register on the Legal Corner
Access the LegalEASE Attorney Matching Portal using the link below

Access LAMP™

Option 3: Self Search Online Directory

Register on the LegalCorner and 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.

Register on the Legal Corner
Access the Attorney Search Directory using the link below

Go to Self Search Directory

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.