NEW! LegalEASE Attorney Matching Portal LegalEASE is expanding our online solution options to members. Introducing the newest online self-service portal, LAMP. Now available to access. Learn more

 

Benefits Proudly Offered to Marvin 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. With LegalEASE, it’s easy to choose the best attorney, because you get assistance from highly trained and qualified personal specialists who review the details of local attorneys and help you find your best source for legal advice. Being a LegalEASE member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

With a LegalEASE plan, you get:

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

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

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

Protect your family’s future, with LegalEASE.

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

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

The Value of a LegalEASE Plan.

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

LegalEASE 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 Plan.  This plan offers the convenience of in-network and out-of-network benefits. Many of the below areas are fully covered in-network.

Plan Cost

The LegalEASE + ID Monitoring Plan is $21.98 monthly, via payroll deduction.

Who's Covered? 

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

 

Plan Coverages
Advice and Consultation	In Network Coverage	Out of Network Coverage
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	In Network Coverage	Out of Network Coverage
Discounted Legal Services for any non-excluded legal matte	25% on Plan Attorney’s Hourly Rates maximum Subject to Managed Case Rules**	Not Applicable
Consumer Matters	In Network Coverage	Out of Network Coverage
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Family Member Lease Agreement - Tenant only Time Share Agreement	Covered	$100 $85 $85 $85 $85 $100 $85
Life Insurance Claims	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Consumer Dispute	Covered	$595
Small Claims Court Reprsentation	Covered	$160
Identity Theft Defense	Covered	$850
Estate Planning	In Network Coverage	Out of Network Coverage
Simple Will or Codicil for: Member Spouse Family Member	Covered	$120
Complex Will	Covered	$310
Living Will/Health Care or Advance Directive	Covered	$85
Health Care or Medical Power of Attorney	Covered	$85
Revocable or Irrevocable Living Trust Document	Covered	$465
Probate of Small Estate	Covered	$160
Elder Matters	In Network Coverage	Out of Network Coverage
Elder Parent Will Preparation	Covered	$80
Elder Parent Living Will/Health Care or Advance Directive	Covered	$55
Elder Parent Durable Financial Power of Attorney	Covered	$55
Elder Parent Health Care or Medical Power of Attorney	Covered	$55
Home and Residential Matters	In Network Coverage	Out of Network Coverage
Purchase of Primary Residence	Covered	$750
Sale of Primary Residence	Covered	$550
Refinancing of Primary Residence	Covered	$585
Tenant Dispute	Covered subject to Managed Case Rules*	$2,550 maximum subject to Managed Case Rules*
Financial Matters	In Network Coverage	Out of Network Coverage
Debt Collection Defense: Pre-Litigation Defense	Covered	$425
Debt Collection Defense: Trial Defense	Covered	$1,275 maximum subject to Managed Case Rules*
Bankruptcy (Chapter 7 or 13)	Covered	$1,405 maximum subject to Managed Case Rules*
Foreclosure	Covered	$1,020 maximum subject to Managed Case Rules*
Tax Audit	Covered subject to Managed Case Rules*	$2,550 maximum subject to Managed Case Rules*
Family	In Network Coverage	Out of Network Coverage
Separation, Divorce, Civil Annulment: Uncontested Separation Consent/Default Divorce Uncontested Divorce	Covered up to 10 Hours	$895
Contested Divorce	Covered up to 28.5 hours	$2,550 maximum subject to Managed Case Rules*
Post-Divorce Proceedings	Covered up to 28.5 hours	$2,550 maximum subject to Managed Case Rules*
Name Change	Covered	$385
Uncontested Guardianship/Conservatorship	Covered	$1,200 maximum subject to Managed Case Rules*
Uncontested Governmental Agency Adoptions	Covered	$900
Uncontested Stepparent Adoptions	Covered	$1,200 maximum subject to Managed Case Rules*
Juvenile Court Proceedings	Covered	$705
Immigration Assistance	Covered	$595
Civil	In Network Coverage	Out of Network Coverage
Civil Litigation Defense	Covered subject to Managed Case Rules*	$2,550 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	In Network Coverage	Out of Network Coverage
Traffic Ticket Defense	Covered	$215
Serious Traffic Matter (resulting in suspension or revocation of license)	Covered	$640
Administrative Proceeding (Resulting in Suspension or Revocation of License)	Covered	$385
Misdemeanor Defense	Covered subject to Managed Case Rules*	$2,550 maximum subject to Managed Case Rules*
DUI/DWI Defense	Covered subject to Managed Case Rules*	$2,550 maximum subject to Managed Case Rules*
Small Business Owner Advice and Representation	In Network Coverage	Out of Network Coverage
Incorporation Advice and Filing	Covered up to 5 hours	$425
Additional Benefits	In Network Coverage	Out of Network Coverage
Financial Advisor	Included	Not Applicable
Identity Theft Assistance	Included	Not Applicable

Limitations may 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

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

 

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

 

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

 

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

 

The following benefits are excluded:

 

(a) Appellate court proceedings.

 

(b) Class actions.

 

(c) Interventions.

 

(d) Malpractice proceedings.

 

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

 

(f) Derivative actions and amicus curiae filings.

 

(g) The preparation and filing of:

(1) individual, partnership or estate tax returns;

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

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

 

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

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

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

(3) matters involving the law or laws of jurisdictions other than the United States and its territories except as specifically described under Covered Services;

(4) any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services;

(5) farm related issues;

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

 

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

 

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

 

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

(1) all fines,

(2) court costs,

(3) penalties,

(4) sanctions,

(5) expert witness fees,

(6) bonds,

(7) bail bonds,

(8) attorney fees awarded as part of a judgment,

(9) exhibits,

(10) deposition costs,

(11) filing fees,

(12) transcripts,

(13) postage,

(14) telephone,

(15) photocopying,

(16) recording fees,

(17) messengers,

(18) judgments,

(19) jury fees,

(20) court reporter fees,

(21) investigative costs,

(22) mediator or arbitrator fees.

This also includes and all other incidental and out-of-pocket legal and litigation costs.

 

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

 

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

(1) any dispute involving:

·       Your employer or its affiliates,

·       their officers or directors,

·       Your employee benefit plans,

·       credit unions,

·       programs or arrangements sponsored by an employer, or

(2) (cases involving

·       workers’ compensation,

·       unemployment compensation,

·       sex harassment, and

·       age discrimination.

 

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

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

(2) Legal Plan Administrator or its subsidiaries;

(3) Claims Administrator or its subsidiaries;

(4) Policyholder;

(5) Your employer;

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

(7) or

(8) any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the Policy or to any services rendered by any Participating or Non-Participating attorney in any legal matter.

 

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

(1) as to a pending legal dispute or

(2) has previously contacted an attorney.

 

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

 

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

GRLE_08B_EXCL (202109)

LegalEASE is an Identity Monitoring and Restoration Program that provides support and protection from unexpected personal identity theft issues.

What Employees get with a LegalEASE Identity Theft Plan: 

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

 

The Value of a LegalEASE Plan:

No-Credit Data 

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

Lost Wallet

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

 

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

GRLE_05B_DEF_CA (202208)

 

“COMPLEX WILL” – means:

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

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

(c)        You own a business that will continue in operation after death; or

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

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

(f)         You want the property to be managed by a trustee for a period of time past the child’s age of majority, to age 25 or 30, for example; or

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

(h)        You want to exclude any lawful dependents.

GRLE_05B_DEF_CW (202208)

 

“CONTESTED DIVORCE” - refers to a divorce proceeding that:

(a)        requires more than 5 hours of attorney time; and

(b)        involves disputed issues; and

(c)        both parties are represented by an attorney.

GRLE_05B_DEF_CD (202303)

 

“COVERED FAMILY MEMBER” – means:

(a)        Your Covered Spouse; and

(b)       

(c)        Your and Covered Spouse’s unmarried dependent children, including:

(1)       

(2)        stepchildren

(3)        legally adopted children

(4)        children placed in the home for adoption

(5)       

(6)        foster children

(d)        up to the end of the month of the child’s age 26

GRLE_05B_DEF_CFM (202208)

 

“COVERED SPOUSE” – means Your lawful spouse or Domestic Partner at the time the coverage is in effect.

GRLE_05B_DEF_CS (202208)

 

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

GRLE_05B_DEF_DP (202208)

 

“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 they are unable to do so themselves.

GRLE_05B_DEF_DFPOA (202208)

 

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

GRLE_05B_DEF_ED (202208)

“ELIGIBLE PARENT” – means the parents of the Member or Covered Spouse , regardless of age, and includes, biological parents, step-parents and adoptive parents.

GRLE_05B_DEF_EP (202208)

 

“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 themselves.

GRLE_05B_DEF_HCPOA (202208)

 

“LEGAL PLAN ADMINISTRATOR” – LegalEASE

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

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

(c)        agents, hired by LegalEASE to perform services under the Policy.

GRLE_05B_DEF_LPA (202208)

 

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

GRLE_05B_DEF_LW (202208)

 

“MEMBER” - refers to the individual who:

(a)        is associated with the Policyholder;

(b)        has either paid a premium or had a premium paid on their behalf; and

(c)        meets the eligibility requirements for Covered Services as defined by the Policyholder.

GRLE_05B_DEF_MEM (202208)

 

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

GRLE_05B_DEF_MSC (202208)

 

“NON-PARTICIPATING ATTORNEY” - means an attorney

(a)        not contracted by the Legal Plan Administrator

(b)        who is selected and paid by You

to provide covered legal services.

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

GRLE_05B_DEF_NPA (202208)

 

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

GRLE_05B_DEF_PIF (202208)

 

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

GRLE_05B_DEF_PA (202208)

 

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

GRLE_05B_DEF_POL (202208)

 

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

GRLE_05B_DEF_PH (202208)

 

“PRIMARY RESIDENCE” – means where an individual has resided or intends to reside for twenty (20) – fifty-two (52) weeks or more per year.

GRLE_05B_DEF_PR (202303)

 

“WAITING PERIOD” – means the ninety (90) period after the Effective Date during which certain benefits as shown in the Schedule may not be used. This includes any matter that arises prior to the end of the Waiting Period. Waiting period applies to Members who can enroll for coverage at any time and are not required to enroll during a specified annual open enrollment period.

GRLE_05B_DEF_WP_TN (202303)

 

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

GRLE_05B_DEF_WUOC (202208)

 

“YOU” AND “YOUR” – means Member.

GRLE_05B_DEF_YOU (202208)

 

 

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

GRLE_06B_CS (202109)

 

 

LegalEASE Helpline:

Advice and consultation by telephone with a Participating Attorney. Services are available during normal business hours. Calls can relate to any personal legal matter, civil or criminal, except those specifically excluded.

GRLE_06B_CS_A_000 (202109)

 

Initial Law Office Consultation:

Up to the maximum as shown in the Schedule for office consultations with an attorney on any personal legal problem, civil or criminal, except those specifically excluded.

GRLE_06B_CS_A_001 (202109)

 

Review of Simple Documents:

This benefit includes:

(a)  attorney review;

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

(c)  suggestions for changes to a form or proposed document being drafted

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

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

GRLE_06B_CS_A_002 (202109)

 

 

Discounted Legal Services for any Non-Excluded Legal Matter:

This benefit will cover any legal services to:

(a)  review and/or prepare documents; or

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

GRLE_06B_CS_B_004 (202109)

 

 

Document Preparation:

Preparation of any of the following documents:

(a)  Simple Deed (excluding those reviewed or prepared under the real estate benefit)

(b)  Promissory Note

(c)  Consumer Dispute Correspondence

(d)  Installment Sales Agreement

(e)  Simple Affidavit

(f)   General Power of Attorney

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

(h)  Time Share Agreement

 

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

GRLE_06B_CS_C_210/220/230/240/250/310/320/330 (202303)

 

Life Insurance Claim:

Assistance in securing life insurance proceeds (not including life insurance policies provided as an employee benefit) when You are a beneficiary of a life insurance policy.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_C_340 (202303)

 

Consumer Dispute:

Consultation or representation in a dispute relating to consumer goods and services (not directly or indirectly related to

(a)  real estate construction or renovation; or

(b)  landlord/tenant disputes).

This benefit is limited to one use(s) per year.

GRLE_06B_CS_C_360 (202303)

 

Small Claims Court Representation:

Consultation and/or representation for a consumer dispute filed in small claims court. Attorney may not be permitted to attend court hearings in some jurisdictions.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_C_390 (202303)

 

Identity Theft Defense:

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

(a)  creditors,

(b)  credit bureaus and

(c)  financial institutions.

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_C_395 (202303)

 

 

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.

This benefit applies to the Member and Covered Spouse only.

 

Complex Will Preparation:

Attorney shall prepare a Complex Will or codicil.

This benefit shall be limited to one Complex Will(s) prepared per year per Member.

GRLE_06B_CS_D_400/430 (202303)

 

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

·       Advance Directive

·       Health Care Power of Attorney

·       Medical 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 Member/Covered Family Member.

GRLE_06B_CS_D_440/450 (202303)

 

Revocable or Irrevocable Living Trust Document:

Preparation of a revocable or irrevocable living trust for either You, Covered Spouse, or a combined living trust document. This benefit does not include services related to transactions to fund the trust or transfer assets into it. This benefit does not include tax planning or tax advice.

This benefit is limited to one use(s) per year per Member/Covered Spouse/Covered Family Member.

GRLE_06B_CS_D_460 (202303)

 

Probate of Small Estate:

The service of an attorney for the probate of a small estate up to the maximum as shown on the Schedule. The estate must not be subject to current state or federal estate taxation.

GRLE_06B_CS_D_470 (202109)

 

 

Elder Parent Will Preparation:

Preparation of a Simple Will(s) for the Eligible Parent(s). The attorney will:

(a)  prepare the document and

(b)  discuss the legal requirements for signing the will.

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

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

GRLE_06B_CS_E_401 (202303)

 

Elder Parent Living Will/Health Care or Advance Directive:

Preparation of a Living Will(s)/Health Care or Advance Directive(s) for the Eligible Parent(s) at no charge. For a definition of Living Will(s)/Health Care or Advance Directive(s), please see the Definitions section. The attorney will:

(a)  prepare the document(s) as authorized by state law and

(b)  discuss the legal requirements for signing the Living Will/Health Care or Advance Directive.

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.

GRLE_06B_CS_E_441 (202303)

 

Elder Parent Durable Financial Power of Attorney:

Preparation of a Durable Financial Power of Attorney(s) for the Eligible Parent(s) at no charge. For a definition of Durable Financial Power of Attorney(s), please see the Definitions section. The attorney will:

(a)  prepare the document(s) as authorized by state law and

(b)  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.

GRLE_06B_CS_E_311 (202303)

 

 

 

Elder Parent Health Care or Medical Power of Attorney:

Preparation of a Health Care or Medical Power of Attorney(s) for the Eligible Parent(s) at no charge. For a definition of Health Care or Medical Power of Attorney(s), please see the Definitions section. The attorney will:

(a)  prepare the document(s) as authorized by state law and

(b)  discuss the legal requirements for signing the Health Care or Medical 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.

GRLE_06B_CS_E_451 (202303)

 

 

Real Estate Sale or Purchase or Refinancing of Primary Residence:

The services of an attorney for the sale or purchase or refinancing of a Primary Residence. This service includes:

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

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

This benefit does not include services:

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

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

Home equity loans and the sale or purchase of unimproved or rental properties are not included.

This benefit is limited to one closing(s) per year.

GRLE_06B_CS_F_500/530/550 (202303)

 

Tenant Dispute:

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_F_560 (202303)

 

 

Debt Collection Defense:

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

(a)  correspondence,

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

(c)  assistance in limiting harassment by bill collectors, and

(d)  negotiating settlement after a complaint is filed.

This service does not include:

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

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_G_600/620 (202303)

 

Bankruptcy:

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_G_630 (202303)

 

Foreclosure:

Defense of the Member in an action to foreclose on Your Primary Residence.

This benefit is limited to one use(s) per year.

This benefit applies to the Member/Covered Spouse only.

GRLE_06B_CS_G_640 (202303)

 

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

(b)  the defense of civil tax litigation

in any tax court.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_G_650 (202303)

 

 

Separation, Divorce, Civil Annulment:

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

The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (a) services in excess of the maximum shown on the Schedule; the Member must pay the attorney’s fee for services in excess of the maximum; or (b) contested matters in which case the Member must pay the attorney’s fee for services, unless the coverage includes contested matters and the benefit shall be in accordance with the Schedule . A contested separation, divorce or civil annulment requires:

(a)  more than 5 hours of attorney time

This benefit is limited to one use(s) 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.

GRLE_06B_CS_H_710/720/730 (202303)

 

Post-Divorce Proceedings:

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

(a)  significant disputed issues and

(b)  the parties resolve any issues prior to any court supervised proceeding. The benefit for uncontested matters does not provide any coverage of an attorney’s fee for: (a) services in excess of the maximum listed on the Schedule; You must pay the attorney’s fee for services in excess of the maximum; (b) contested matters in which case You must pay the attorney’s fee for services, unless the coverage includes contested matters and the benefit shall be in accordance with the Schedule.

A contested post-divorce proceeding requires:

(a)  more than 5 hours of attorney time,

(b)  involves disputed issues and requires that

(c)  both parties be represented by an attorney.

This benefit includes custody, support, and alimony proceedings.

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

GRLE_06B_CS_H_733 (202303)

 

Name Change:

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

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

GRLE_06B_CS_H_740 (202303)

 

Uncontested Guardianship/Conservatorship:

Services required to establish You/Covered Family Member as the guardian(s) or conservator(s) of a family member of either You or Covered Spouse another. This benefit does not include fees for a court-appointed attorney for the child/conservatee.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_H_750 (202303)

 

Uncontested Government Agency/Stepparent Adoption:

Legal representation up to the maximum shown in the Schedule in a:

(a)  governmental agency or

(b)  stepparent adoption.

An uncontested adoption does not involve significant disputed issues.

This benefit does not include: (a) contested termination of parental rights; (b) fees for a court-appointed attorney for the child; or (c) adoptions(s) made through any agency other than a governmental agency.

A contested adoption requires:

(a)  more than 5 hours of attorney time and

(b)  involves disputed issues.

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_H_760/770 (202303)

 

Juvenile Court Proceeding:

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_H_780 (202303)

 

Immigration Assistance:

This service covers:

(a)  advice and consultation,

(b)  preparation of affidavits and powers of attorney,

(c)  review of any immigration documents, and

(d)  helping You prepare for hearings.

 This benefit also extends to Your Covered Family Members and non-covered family members who are attempting to become US citizens in the manner prescribed by law.

This benefit is limited to proceedings involving one covered immigration applicant(s) per year.

GRLE_06B_CS_H_790 (202303)

 

 

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: (a) any debt collection or family law matters; (b) lawsuits normally handled on a contingent fee basis; or (c) matters for which You have or are required by law to have insurance.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_I_800 (202303)

 

Discounted Contingency Fees:

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

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

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

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

GRLE_06B_CS_I_840 (202303)

 

Mediation:

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_I_850 (202303)

 

 

Misdemeanor Defense:

Defense of You in connection with criminal misdemeanor charges (not associated with any felony charge

This benefit is limited to one use(s) per year.

GRLE_06B_CS_J_920 (202303)

 

DUI/DWI Defense:

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_J_923 (202303)

 

 

Traffic Ticket:

Services related to the representation of the Member in defense of any traffic ticket except driving under influence or vehicular homicide, including:

(a)  court hearings,

(b)  negotiation with the prosecutor,

(c)  trial, and

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

This benefit does not cover violations related to a commercial driver’s license.

This benefit is limited to one use(s) per year.

This benefit applies to the Member only.

GRLE_06B_CS_K_810 (202303)

 

Serious Traffic Matter:

Services related to the representation of a Member who is:

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

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

This benefit does not cover violations related to a commercial driver’s license.

This benefit is limited to one use(s) per year.

GRLE_06B_CS_K_900 (202303)

 

Administrative Proceeding:

Services related to the representation of a Member in an administrative proceeding relating to the:

(a)  suspension or

(b)  revocation

of driving privileges.

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

This benefit is limited to one use(s) per year.

GRLE_06B_CS_K_910 (202303)

 

 

Incorporation Advice and Filing:

This service covers:

(a)  the review of a Certificate of Incorporation, up to the number of pages shown in the Schedule,

(b)  advice and consultation regarding the Certificate of Incorporation, and

(c)  assistance filing the application with the appropriate governing agency.

To qualify for this benefit:

(a)  the Certificate of Incorporation must be related to a Small Business owned by You and/or Covered Spouse and

(b)  the Small Business may not present a current or potential future conflict with the Policyholder.

For a definition of Small Business, please see the Definitions section. This benefit does not include coverage for any filing fees required by the governing agency.

This benefit is limited to the maximum number of pages shown on the Schedule and one use(s) per year.

GRLE_06B_CS_L_1032 (202303)

 

FINANCIAL ADVISOR

 

 

Claim for Benefits

 

1.   You should call the Member Service Center to confirm the potentially applicable benefit(s) prior to consulting with any attorney. You/Covered Family Member must provide all information requested with respect to the circumstances of an insured event or service provided. The Member Service Center will assign a Participating Attorney to provide services relative to the matter. If You/Covered Family Member has a Non-Participating Attorney they would prefer to work with, they must notify the representative of their intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will provide a claim form within fifteen (15) days of notice. The Legal Plan Administrator may elect to offer to negotiate with the attorney on their behalf, but cannot guarantee the Non-Participating Attorney will accept the Plan Discounted Rate. Failure to submit a claim to the Member Service Center within sixty (60) days or as soon as reasonably possible following consultation with an attorney may result in a denial of benefits.

 

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

 

3.   You must remain enrolled and continue to pay premium hereunder for services to be requested.

 

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

 

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

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

(b)  proof of payment and

(c)  supporting documentation sufficient to demonstrate the work completed in the matter within sixty (60) days after incurring the legal fees. Benefits provided are subject to the maximum as shown in the Schedule.

 

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

(a)  law,

(b)  court rule, or

(c)  contract,

at the attorney’s customary or prevailing rate. If You/Covered Family Member receive reimbursement of attorney’s fees, then You/Covered Family Member agree to reimburse Us for payments issued.

 

Disputes Between Members or Covered Family Members

 

In the event that You and Your Covered Family Member(s) are involved as adversaries in a dispute that is a Covered Service, only You will be covered.

 

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

 

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

GRLE_07B_OB (202109)

 

 

The following benefits are excluded:

 

(a) Appellate court proceedings.

 

(b) Class actions.

 

(c) Interventions.

 

(d) Malpractice proceedings.

 

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

 

(f) Derivative actions and amicus curiae filings.

 

(g) The preparation and filing of:

(1) individual, partnership or estate tax returns;

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

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

 

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

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

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

(3) matters involving the law or laws of jurisdictions other than the United States and its territories except as specifically described under Covered Services;

(4) any matters involving a government (domestic or foreign) entity or agency except as specifically described under Covered Services;

(5) farm related issues;

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

 

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

 

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

 

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

(1) all fines,

(2) court costs,

(3) penalties,

(4) sanctions,

(5) expert witness fees,

(6) bonds,

(7) bail bonds,

(8) attorney fees awarded as part of a judgment,

(9) exhibits,

(10) deposition costs,

(11) filing fees,

(12) transcripts,

(13) postage,

(14) telephone,

(15) photocopying,

(16) recording fees,

(17) messengers,

(18) judgments,

(19) jury fees,

(20) court reporter fees,

(21) investigative costs,

(22) mediator or arbitrator fees.

This also includes and all other incidental and out-of-pocket legal and litigation costs.

 

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

 

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

(1) any dispute involving:

·       Your employer or its affiliates,

·       their officers or directors,

·       Your employee benefit plans,

·       credit unions,

·       programs or arrangements sponsored by an employer, or

(2) (cases involving

·       workers’ compensation,

·       unemployment compensation,

·       sex harassment, and

·       age discrimination.

 

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

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

(2) Legal Plan Administrator or its subsidiaries;

(3) Claims Administrator or its subsidiaries;

(4) Policyholder;

(5) Your employer;

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

(7) or

(8) any Participating and/or Non-Participating Attorney, if the dispute or proceeding pertains to services provided under the Policy or to any services rendered by any Participating or Non-Participating attorney in any legal matter.

 

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

(1) as to a pending legal dispute or

(2) has previously contacted an attorney.

 

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

 

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

GRLE_08B_EXCL (202109)

 

 

Attorney-Client Relationship

 

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

(a) the attorney-client relationship or

(b) in the attorney’s independent exercise of their professional judgment.

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

 

You/Covered Family Member shall authorize the Participating Attorney to provide the Legal Plan Administrator with:

(a) information and

(b) supporting documentation

on the number and type of services provided.

 

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

(a) We,

(b) nor the Policyholder,

(c) nor any other person

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

(a) acts,

(b) errors or omissions

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

 

Non-Participating Attorney Services

 

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

 

Subrogation and Coordination of Benefits

 

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

 

Legal Terminology

 

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

 

Coverage Territory

 

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

 

Premium Refund Provision

 

In the event that:

(a) the premium mode is other than monthly and

(b) the Group Policy is terminated or

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

 

Termination and Cancellation of Coverage

 

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

 

(a) Cancellation or termination of the Group Policy;

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

(c) The Member is no longer associated with Policyholder; or

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

 

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

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

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

 

Coverage provided to an Eligible Parent 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 time family member ceases to qualify as an Eligible Parent 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.

 

Illegal Activity, Misrepresentation and Fraud

 

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

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

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

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

 

Portability

 

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

an employee of the Policyholder or a Member of the group to which the Group Policy is issued.

You 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 Your coverage under the Group Policy terminates. Credit will be given for any applicable Waiting Period based upon the number of months coverage was in force for You under the Group Policy.

 

Waiver of Premium

 

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

 

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

(a) military service or

(b) responding to a declared national emergency,

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

(a) the length of Your absence and

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

 

Conformed to Statute

 

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

 

Assignment of Benefits

 

The benefits provided herein are not assignable.

GRLE_09B_GENP_CERT (202303)