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Benefits Proudly Offered to Propel Schools Alliance Employees

Be fully prepared and confident

with LegalEASE

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

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

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

With a LegalEASE plan, you get:

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

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

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

Protect your family’s future, with LegalEASE.

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

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

Coverage

The Value of a LegalEASE Benefits Plan.

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

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

LegalEASE Benefits Plan Coverage

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

Plan Cost

The LegalEASE Plan is $13.96 per month, 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 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.

To Download Your Cetificate of Coverage

To view more details about the full schedule of benefits and coverage, please review your certificate of coverage here.

Schedule of Benefits
Advice and Consultation	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
LegalEASE Helpline	Covered	Not Applicable
Initial Law Office Consultation	Covered	Not Applicable
Review of Simple Documents - up to 6 Pages	Covered	Not Applicable
Miscellaneous Law Office Services	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
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 Plan Coverage Non-Participating Attorney
Document Preparation: Simple Deed Promissory Note Consumer Dispute Correspondence Installment Sales Agreement Simple Affidavit General Power of Attorney: Member & Family Member Lease Agreement - Tenant only Time Share Agreement	Covered	$65 $60 $60 $60 $60 $60 $65 $60
Consumer Dispute	Covered	$600
Small Claims Court Reprsentation	Covered up to 2 Hours with remainder at 25% discount	$120
Mail Order or internet Purchase Dispute	Covered	$300
Bank Fee Dispute	Covered	$300
First-time Vehicle Buyer	Covered	$300
Vehicle Repair and Lemon Law Litigation	Covered	$300
Cell Phone Contract Dispute Contract Review - Up to 6 pages Representation	Covered	$300
Warranty Dispute Warranty Review - Up to 6 pages Representation	Covered	$300
Healthcare Coverage Disputes and Records Office Consultation Document Preparation Document Review	Covered	$300
Identity Theft Defense	Covered	$850
Estate Planning	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Simple Will or Codicil for: Member Spouse Family Member	Covered	$80
Complex Will	Covered	$310
Living Will/Health Care or Advance Directive	Covered	$55
Health Care or Medical Power of Attorney	Covered	$55
Revocable or Irrevocable Living Trust Document	Covered	$310
Probate of Small Estate	Covered up to 2 Hours with remainder at 25% discount	$120
Home and Residential Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Purchase of Primary Residence	Covered	$490
Sale of Primary Residence	Covered	$365
Refinancing of Primary Residence	Covered	$385
Vacation or Investment Home Sale/Purchase/Refinancing	Covered	$425
Home Equity Loan Assistance	Covered	$360
Property Tax Assessment	Covered	$360
Tenant Dispute	Covered	$1,700 maximum subject to Managed Case Rules*
Tenant Security Deposit Dispute	Covered	$850
Neighbor Dispute	Covered	$765
Financial Matters	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Debt Collection Defense: Pre-Litigation Defense	Covered	$425
Debt Collection Defense: Trial Defense	Covered	$850
Bankruptcy (chapter 7 or 13)	Covered	$935
Foreclosure	Covered	$680
Tax Audit	Covered	$1,700 maximum subject to Managed Case Rules*
Family	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Separation, Divorce, Civil Annulment Uncontested Separation Contested/default Divorce Uncontested Divorce	Covered up to 10 hours with remainder at 25% discount	$595
Contested Divorce	Covered up to 28.5 hours with remainder at 25% discount	$1,700 maximum subject to Managed Case Rules*
Prenuptial Agreement	Covered	$680
Name Change	Covered	$255
Guardianship/Conservatorship	Uncontested: Covered Contested: Covered	$365 $765
Governmental Agency Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Stepparent Adoptions	Uncontested: Covered Contested: Covered	$365 $765
Juvenile Court Proceedings	Covered	$470
School Administrative Proceeding	Covered	$425
Civil Litigation Defense	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Civil Litigation Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Incompetency Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Discounted Contingency Fees	10% discount on state maximum, or a maximum of 29% pretrial, 36% at trial, or 40% in an appeal	Not Applicable
Mediation	10% discount on Mediator’s hourly rates	Not Applicable
Criminal Defense	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Serious Traffic Matters (resulting in suspension or revocation of license)	Covered	$425
Administrative Proceeding (resulting in suspension or revocation of license)	Covered	$255
Habeas Corpus Proceedings	Covered	$850
Misdemeanor Defense	Covered subject to Managed Case Rules*	$1,700
DUI/DWI Defense	Covered subject to Managed Case Rules*	$1,700 maximum subject to Managed Case Rules*
Additional Benefits	LegalEASE Plan Coverage Participating Attorney	LegalEASE Plan Coverage Non-Participating Attorney
Financial Advisor	Included	Not Applicable
Identity Theft Assistance	Included	Not Applicable

Limitations apply.

Exclusions

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

“CONTESTED DIVORCE” - refers to a divorce proceeding that requires more than 5 hours of attorney

time, and involves disputed issues and both parties are represented by an attorney.

“COVERED FAMILY MEMBER” – – means 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 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

“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/civil union 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 COVERAGE” – means coverage of a Member under any health care or health insurance

policy or any policy that covers as its primary function any aspect of an individual’s health.

“HEALTH CARE OR MEDICAL POWER OF ATTORNEY” – A legal document that allows an individual to

appoint another person to make medical decisions in the event the individual is unable to do so him/her

self.

“INTERNET PURCHASE” - A purchase of goods or services whose cost is over $200.00 at the time 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 and/or Plan Sponsor, (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.

“PLAN SPONSOR” - means an organization other than the Policyholder or the Member’s employer that

makes coverage hereunder available.

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

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

“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.

VSC_LP_C (201910)

Advice and Consultation

LegalEASE Helpline:

Advice and consultation by telephone with a Participating Attorney. Services are available during

normal business hours or in an emergency, on a 24-hour basis. Calls can relate to any personal legal

matter, civil or criminal, except those specifically excluded.

VSC_LP_C_CS_M_000 (201910)

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.

VSC_LP_C_CS_M_001 (201910)

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.

VSC_LP_C_CS_M_002 (201910)

Miscellaneous Law Office Services

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. This benefit may be used

to extend the coverage for any other service shown in the Schedule of Benefits beyond the limits of

coverage.

VSC_LP_C_CS_M_004 (201910)

Consumer Matters

Document Preparation:

Preparation of any of the following documents:

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

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

• Promissory Note: This benefit is limited to one per year per Member/Covered Family

Member.

• Consumer Dispute Correspondence: This benefit is limited to one use per year per

Member/Covered Family Member.

• Installment Sales Agreement: This benefit is limited to one use per year per

Member/Covered Family Member.

• Simple Affidavit: This benefit is limited to one use per year per Member/Covered Family

Member.

• General Power of Attorney: This benefit is limited to one use per year and can be used for

either a General, Limited, or Durable Financial Power of Attorney.

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

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

• Time Share Agreement: This benefit is limited to one use per year per Member/Covered

Family Member.

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).

This benefit is limited to one use per year.

VSC_LP_C_CS_M_360-4 (201910)

Small Claims Court Representation:

Consultation and/or representation for a consumer dispute filed in small claims court. (Attorney may

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

This benefit is limited to one use per year.

VSC_LP_C_CS_M_390-3 (201910)

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. 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.

This benefit is limited to one dispute per year.

VSC_LP_C_CS_M_363-2 (201910)

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. 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.

This benefit is limited to one dispute per year.

VSC_LP_C_CS_M_364-2 (201910)

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.

This benefit is limited to one vehicle purchase per year and must be the first vehicle purchase of

the Member/Covered Family Member.

VSC_LP_C_CS_M_365-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_366-2 (201910)

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. This benefit does not include a

written analysis or explanation of any form or document.

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_367-4 (201910)

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. This benefit

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

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_368-4 (201910)

Health Care Coverage Dispute and Records:

Up to the maximum as shown in the Schedule of Benefits for office consultations with an attorney on

any Health Care Coverage dispute, civil or criminal, involving a coverage, benefits, or privacy matter

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

that health care or health insurance policy). For a definition of Health Care Coverage, please see the

Definitions section.

This benefit is designed to help the Member understand health care law provisions and coverages

based on the federal and/or state version of this law, and to prepare a bona fide defense to any

denials in coverage valued at more than $1,000.00 in covered medical services under the policy in

dispute.

This benefit also includes the review of simple health care policy coverage documents and the

attorney will verbally explain the meaning or impact of any policy or related document or make

suggestions for dispute letters or documents being drafted, of up to the maximum number of pages

as shown in the Schedule of Benefits. This benefit does include a written analysis or explanation of

any form or document but does include the preparation of any of the following documents, up to the

maximum number of pages shown on the Schedule of Benefits: policyholder dispute correspondence,

and simple affidavit. Partial documents cannot be reviewed or prepared, and if the document other

than the actual health care coverage policy is more than the maximum number of pages shown in

the Schedule of Benefits, the benefit does not apply.

Nothing in this benefit will pay or create any obligation to pay any health care or health insurance

benefits to any person for any reason, and any coverage related to this benefit must be related to a

Member’s dispute under a health care or health insurance policy.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_369-2 (201910)

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 creditors, credit bureaus and

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

accounts.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_395-2 (201910)

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:

VSC_LP_C_CS_M_400A (201910)

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

signing the will. This benefit does not cover Complex Wills, as defined in the Definitions section.

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

VSC_LP_C_CS_M_400-2 (201910)

Complex Will Preparation: Attorney shall prepare a Complex Will or codicil.

This benefit shall be limited to one Complex Will prepared per year per Member/Covered

Spouse/Covered Family Member.

VSC_LP_C_CS_M_430-2 (201910)

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. 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 can not be combined to increase

the total allowed benefit.

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

VSC_LP_C_CS_M_440/450-3 (201910)

Revocable or Irrevocable Living Trust Document:

Preparation of a revocable or irrevocable living trust for either the Member, 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 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.

This benefit is limited to one use per year per Member.

VSC_LP_C_CS_M_460-4 (201910)

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.

VSC_LP_C_CS_M_470 (201910)

Residential Matters

Real Estate Sale, Purchase or Refinancing of Primary Residence:

The services of an attorney for the sale, or 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. This benefit does not include any fees or costs other than those related to the attorney’s

review of the purchase/sale documents.

This benefit is limited to one closing per year.

VSC_LP_C_CS_M_500/530/550-2 (201910)

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. This benefit does not include any fees or costs other than those related

to the attorney’s review of the purchase/sale documents.

This benefit is limited to one closing per year.

VSC_LP_C_CS_M_515-2 (201910)

Home Equity Loan Assistance for Primary Residence:

The services of an attorney for the review and/or preparation of a home equity loan on a primary

residence home. This benefit does not include services performed by or for a title company, or for

an attorney acting on behalf of a lending institution.

This benefit is limited to one closing per year.

VSC_LP_C_CS_M_525-4 (201910)

Property Tax Assessment:

The services of an attorney for review and advice on a property tax assessment on a primary residence

(where Member has resided or intends to reside for twenty-seven (27) weeks or more per year). This

benefit includes filing the paperwork, gathering the evidence, negotiating a settlement, and

attending the hearing necessary to seek a reduction of the assessment.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_570-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_560-4 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_565-2 (201910)

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. This benefit does not include matters involving a dispute with a

condominium/homeowners’/property owners association or a housing cooperative board, or any

individual in his/her capacity as a member of a condominium/homeowners’/property owners’

association or a housing cooperative board.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_592-2 (201910)

Financial Matters

Debt Collection Defense:

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

correspondence, negotiating with creditors to arrange a repayment schedule, assistance in limiting

harassment by bill collectors, and negotiating settlement after a complaint is filed. This service does

not include defense against execution of a court-ordered judgment or efforts to vacate or set aside

a judgment.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_600/620-2 (201910)

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 per year.

VSC_LP_C_CS_M_630-2 (201910)

Foreclosure:

Defense of the Member in an action to foreclose on the Member’s primary residence (where Member

has resided or intends to reside twenty-seven (27) weeks or more per year.)

This benefit is limited to one use per year.

VSC_LP_C_CS_M_640-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_650-2 (201910)

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 and involves disputed issues.

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.

VSC_LP_C_CS_M_710/720/730-2 (201910)

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 includes custody, support, and alimony

proceedings.

This benefit is limited to one use per year. This benefit applies to the Member and Covered Spouse

only for actions not involving the Member as an opposing party.

VSC_LP_C_CS_M_733-2 (201910)

Prenuptial Agreement:

This service covers the preparation of an agreement by a Member and his or her fiancé/partner prior

to their marriage or legal union (where allowed by law), outlining how property is to be divided in

the event of separation, divorce or death of a spouse. Representation is provided only to the Member.

The fiancé/partner must have separate counsel or must waive representation.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_705-2 (201910)

Name Change:

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

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

VSC_LP_C_CS_M_740-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_750-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_760/770-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_780-2 (201910)

School Administrative Proceeding:

Services needed for a dependent child of a Member/Covered Family Member for consultations, and

review or help with preparation of documents prior to the representation of the dependent child in

any school administrative proceeding (not including expulsion), 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 the school in which the child is officially enrolled.

This benefit does not contemplate any attendance or representation by the attorney at or prior to

any administrative hearing or appearance.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_782-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_800-2 (201910)

Incompetency Defense:

Services related to the representation of a Member in the defense of any incompetency action,

including court hearings when there is a proceeding to find the Member incompetent.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_820-2 (201910)

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.

VSC_LP_C_CS_M_840 (201910)

Mediation:

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

of the mediator’s services.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_850-1 (201910)

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. This benefit does not apply

to Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) violations/citations.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_810-3 (201910)

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. This benefit does not apply to Driving Under the Influence (DUI) or

Driving While Intoxicated (DWI) violations/citations. This benefit can not include expungements of

misdemeanor convictions. This benefit does not include adjustments to probation or parole.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_900-4 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_910-4 (201910)

Habeas Corpus Proceeding:

Services related to the representation in a Habeas Corpus proceeding.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_922-2 (201910)

Misdemeanor Defense:

Defense of a Member in connection with criminal misdemeanor charges (not associated with any

felony charge).

This benefit is limited to one use per year.

VSC_LP_C_CS_M_920-2 (201910)

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.

This benefit is limited to one use per year.

VSC_LP_C_CS_M_923-2 (201910)

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.

VSC_LP_D (201910)

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.

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.

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, mediator or 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 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.

The Policy does not allow benefits listed under the Covered Services section to be combined for one legal

matter.

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.

VSC_LP_E (201910)

Matters relating to: securities, trademark or patent matters; business or commercial interests, including,

but not limited to, professional, partnership and/or corporate matters; matters arising out of a

Member/Covered Family Member’s role as an officer or director of an organization; matters involving the

law or laws of jurisdictions other than the United States and its territories, except as specifically

described under Covered Services; any matters involving a government (domestic or foreign) entity or

agency except as specifically described under Covered Services; farm related issues.

VSC_LP_E-Business (201910)

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 incomeproducing

property.

VSC_LP_E-Business-4 (201910)

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.

VSC_LP_E-Employment-2 (201910)

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.

VSC_LP_E-Pre-Ex (201910)

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.

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:

e. 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.

f. 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.

g. Cancellation or termination of the Group Policy;

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

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

j. 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:

c. The Member’s coverage is cancelled or terminated; or

d. 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.

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.

VSC_LP_F_2500 (201910)

Coverage Territory

The coverage territory includes the United States and United States territories

VSC_LP_F-Territory-2 (201910)

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.

VSC_LP_F-Portability-2 (201910)

Network

About the Network of Attorneys

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

Help Focus Infrastructure

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

Standards and Qualifications

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

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

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

Provider Standards of Care

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

Plan Providers agree to the following:

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

About

We are here to serve you...

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

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

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

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