Nationwide Template - Clipped State

Welcome

Benefits Proudly Offered to xxxxx Employees

Be fully prepared and confident

with LegalGUARD^sm

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

Product Presented By: Nationwide^®Insurance Product Administered By: LegalEASE

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

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

With a LegalGUARD plan, you get:

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

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

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

Protect your family’s future, with LegalGUARD.

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

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

Coverage

The value of a LegalGUARD Plan.

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

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

LegalGUARD Plan Coverage

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

Plan Cost

The LegalGUARD Plan is only $##.## per paycheck*, via payroll deduction.

*Based on a 26-pay period deduction schedule.

Who's Covered?

The Member's spouse and Member's unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 19, and from 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.

Schedule of Benefits
Advice and Consultation	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
LegalEASE Helpline	Covered	N/A
Initial Law Office Consultation¹ (One hour per calendar quarter)	Covered	N/A
Review of Simple Documents¹ - up to 6 Pages	Covered	N/A
Miscellaneous Law Office Services	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Legal Services for any Non-Excluded Legal Matter⁴	25% discount on Plan Attorney's Hourly Rates	N/A
Consumer Matters	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Covered Family Member Lease Agreement - Tenant only Time Share Agreement	Paid in Full	$### $### $### $### $### $###
Consumer Dispute²	Paid in Full subject to Managed Case Rules	$###
Small Claims Court Reprsentation¹	Paid in Full up to 2 Hours	$###
Mail Order or Internet Purchase Dispute¹	Paid in Full up to 5 Hours	$###
Bank Fee Dispute¹	Paid in Full up to 5 Hours	$###
First-Time Vehicle Buyer¹	Paid in Full up to 5 Hours	$###
Vehicle repair and Lemon Law Litigation¹	Paid in Full up to 5 Hours	$###
Cell Phone Contract Dispute¹: Contract Review up to 6 Pages Representation	Paid in Full up to 5 Hours	$###
Warranty Dispute¹: Warranty Review up to 6 Pages Representation	Paid in Full up to 5 Hours	$###
Healthcare Coverage Disputes and Records: Office Consultation up to 5 Hours	Paid in Full	$###
Healthcare Coverage Disputes and Records¹: Review of Healthcare Policy Review/Preparation of Documents up to 6 Pages	Paid in Full up to 5 Hours	$###
Identity Theft Defense²	Paid in Full subject to Managed Case Rules	$###
Estate Planning	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Simple Will or Codicil for: Member Spouse Covered Family Member	Paid in Full	$###
Complex Will⁴	25% Discount	$###
Living Will or Health Care Power of Attorney	Paid in Full	$###
Living Trust Document	Paid in Full	$###
Probate of Small Estate¹	Paid in Full up to 2 Hours	$###
Home and Residential Matters	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Purchase of Primary Residence	Paid in Full	$###
Sale of Primary Residence	Paid in Full	$###
Refinancing of Primary Residence	Paid in Full	$###
First Time Home-Buyer	Paid in Full	$###
Vacation or Investment Home: Purchase/Sale/Refinancing	Paid in Full	$###
Home Equity Loan Assistance¹	Paid in Full up to 6 Hours	$###
Property Tax Assessment¹	Paid in Full up to 6 Hours	$###
Tenant Dispute²	Paid in Full subject to Managed Case Rules	$### subject to Managed Case Rules
Tenant Security Deposit Dispute²	Paid in Full subject to Managed Case Rules	$###
Landlord Dispute with Tenant¹: Pre-Litigation Activities Trial Representation	Paid in Full up to 10 Hours	$###
Security Deposit Dispute with Tenant¹	Paid in Full up to 10 Hours	$###
Construction Defect Dispute²	Paid in Full subject to Managed Case Rules	$###
Neighbor Dispute²	Paid in Full subject to Managed Case Rules	$###
Noise Reduction Dispute²	Paid in Full subject to Managed Case Rules	$###
Financial Matters	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Debt Collection Defense: Pre-Litigation Defense²	Paid in Full subject to Managed Case Rules	$###
Debt Collection Defense: Trial Defense²	Paid in Full subject to Managed Case Rules	$###
Bankruptcy (Chapter 7 or 13)²	Paid in Full subject to Managed Case Rules	$### maximum Subject to Managed Case Rules
Foreclosure²	Paid in Full subject to Managed Case Rules	$###
Tax Audit²	Paid in Full subject to Managed Case Rules	$### maximum Subject to Managed Case Rules
Student Loan Refinancing/Collection Defense¹	Paid in Full up to 7 Hours	$###
Family	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Separation, Divorce, Civil Annulment: Uncontested Separation¹ Consent/Default Divorce¹ Uncontested Divorce¹	Paid in Full up to 10 Hours	$###
Contested Divorce^1,2	Paid in Full up to 28.5 hours subject to Managed Case Rules	$1,#00 maximum subject to Managed Case Rules
Name Change	Paid in Full	$###
Prenuptial Agreement	Paid in Full	$###
Guardianship/Conservatorship²	Uncontested: Paid in Full Contested: Paid in Full subject to Managed Case Rules	$###
Governmental Agency Adoptions²	Uncontested: Paid in Full Contested: Paid in Full subject to Managed Case Rules	$###
Stepparent Adoptions²	Uncontested: Paid in Full Contested: Paid in Full subject to Managed Case Rules	$###
International Adoption¹	Paid in Full up to 10 Hours	$###
Juvenile Court Proceedings²	Paid in Full subject to Managed Case Rules	$###
School Administrative Proceeding²	Paid in Full subject to Managed Case Rules	$###
Immigration Assistance¹	Paid in Full up to 10 Hours	$###
Civil	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Civil Litigation Defense²	Paid in Full subject to Managed Case Rules	$### maximum Subject to Managed Case Rules
Incompetency Defense²	Paid in Full subject to Managed Case Rules	$###
Criminal Defense	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Traffic Ticket²	Paid in Full subject to Managed Case Rules	$###
Serious Traffic Matters (Resulting in Suspension or Revocation of License)²	Paid in Full subject to Managed Case Rules	$###
Administrative Proceeding (Resulting in Suspension or Revocation of License)²	Paid in Full subject to Managed Case Rules	$###
Misdemeanor Defense²	Paid in Full subject to Managed Case Rules	$### maximum Subject to Managed Case Rules
Additional Benefits	LegalGUARD Plan Coverage Participating Attorney	LegalGUARD Plan Coverage Non-Participating Attorney
Discounted Contingency Fees⁴	Included	N/A
Financial Advisor³	Included	N/A
Elder Law³	Included	N/A
Mediation³	Included	N/A
Identity Theft Assistance³	Included	N/A

¹Some limitations may apply.

²Subject to managed case rules.

³Additional benefits

⁴Discounted Rate

Managed Case Rules require the following:

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

Identity Coverage

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

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

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

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

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About LifeLock

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

Monitoring Your Identity

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

Beyond Credit Monitoring

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

Definitions

Definitions

Copy and paste definitions from Family Advisor and Nationwide Certificate; there will be some duplicates.

Covered Services

Include both covered services starting from the Family Advisor to the Nationwide Certificate.

Formatting for benefits is as follows:

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

This benefit is limited to one purchase per year.

Obtaining Services

Copy and paste from and Nationwide Certificate.

Exclusions

Copy and paste from and Nationwide Certificate.

General Provisions

Copy and paste from and Nationwide Certificate.

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

A legal plan backed by a strong partnership.

We believe you deserve to feel prepared and confident when facing a legal matter. Through a strong partnership, Nationwide and LegalEASE offer LegalGUARD, a robust product offering that protects members when it matters most. How we do it is by providing an in-depth pool of resources to accommodate your legal needs. 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.

For more than 40 years, LegalEASE has established one of the oldest and most comprehensive networks of attorneys in the legal industry. With more than 17,000 participating plan attorneys, LegalEASE specializes in matching attorneys specific to client needs, when it matters most. For more information, visit LegalEASE.

Nationwide partnered with LegalEASE to provide members with solutions that offer support and protection from unexpected legal issues. At Nationwide, we put our members first, because we don't have shareholders.

Nationwide Mutual Insurance Company, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor’s. The company provides a full range of insurance and financial services, including auto, commercial, homeowners and life insurance; public and private sector retirement plans, annuities and mutual funds; banking and mortgages; specialty health; pet, motorcycle, boat and farm insurance. For more information, visit Nationwide.com.