Specific Coverage Listing:

Benefits and Coverages

	Network Attorney	Non-Network Attorney
Telephone Legal Services Telephone Legal Advice
Members receive toll-free telephone advice on how the law relates to their personal legal matters and which actions may be taken.	Paid-in-full	N/A
Follow-up Calls/Correspondence
Plan members receive legal services through follow-up calls and correspondence to third parties related to their personal legal matters.	Paid-in-full	N/A
Document Preparation
Plan members receive assistance with the preparation of the following documents: Special powers of attorney and revocations Childcare authorizations Challenge to denial of credit Bad check notice Promissory notes and affidavits related to their personal property Bills of sale related to their personal property	Paid-in-full	N/A
Document Review
Plan members receive legal services to review legal documents, up to four pages, related to their personal legal matter, except those related to trusts of real estate property transfers.	Paid-in-full	N/A
Standard Will and Telephone Legal Assistance
Plan members receive, upon their request, from a telephone network attorney, legal assistance, which includes the preparation and review of: Standard will documents including testamentary support trusts for minor children Durable powers of attorney Health care powers of attorney and revocation Living wills, advanced health care directives	Paid-in-full	N/A
Value Added Benefits Identity Theft Services
Plan members will receive toll-free access to an identity theft case manager who will: Explain what identity theft is and how to prevent it Provide resources to minimize and recover from identity theft Explain relevant plan coverages and provide attorney referral Monitor and follow-up on the situation	Paid-in-full	N/A
Immigration Assistance
Plan members receive toll-free telephone access to an immigration case manager who will provide educational materials, explain the immigration benefit and monitor and assist plan members as they deal with immigration issues. Members also receive toll-free telephone advice from a law firm that will be available for plan member immigration issues. They will receive assistance with the following: General immigration process education and guidelines Advice on filing applications or petitions, including which forms should or should not be filed. Laws and regulations governing various types of immigration benefits, including asylum, adjustment of status, business visas and employment authorizations. Advice and information to individuals facing deportation and removal proceedings. Breaking issues in immigration law including changes in the law and programs for immigration benefits. For immigration matters that can't be handled over the phone, or if a plan member needs to see a state-specific attorney, our Network Attorneys will offer up a reduced rate of up to 25% off their normal rates for specific review, preparation or representation-based immigration services. The Network Attorneys will bill the plan member directly.	Paid-in-full	N/A
Online Legal Resources
Law Guide The Law Guide is a legal resource to inform members about the law, identify options, and prepare them for handling a legal situation. Even if members need help from an attorney, they can save valuable time and money by being better informed about the law before they begin. Document Library LegalRx includes more than 170 documents at no additional charge. You also receive access to more than 100 consumer and business-related documents at a 20% discount.	Paid-in-full	N/A
Contingency Fees
Capped contingency fee rates at 25% for the initial trial/settlement and 30% on appeals.	25%/30%	N/A
Reduced Fee Benefit for Non-Covered Matters
Reduced rates of at least 25% for in-office legal needs such as representation and other legal issues for non-covered matters when using a Network Attorney.	25%	N/A

Insurance Benefits - Available following a 90-day waiting period

	Network Attorney	Non-Network Attorney
Online Legal Resources Uncontested Court Adoption Proceedings*
Legal services rendered to the named insured and/or his/her insured spouse in court proceedings to become adoptive parent(s) Uncontested proceedings Advice, negotiations, office work, and court representation	Paid-in-full	$300**
Uncontested Guardianship/Conservatorship*
Legal services rendered to members in court proceedings for appointing a guardian or conservator Uncontested proceedings Advice, negotiations, office work, and court representation	Paid-in-full	$300**
Juvenile Court Proceedings* (except traffic matters)
Legal defense of an insured child in juvenile court proceedings Legal defense of parental responsibilities in juvenile court proceedings Advice, negotiations, office work, and court or administrative hearing representation	Paid-in-full	$600**
Name Change Proceedings*
Advice, negotiations, office work, and court representation	Paid-in-full	$240**
Will(s) and Durable Powers of Attorney*
Individual Standard Will Includes testamentary support trust provisions for dependent children and the powers of attorney that are required and prepared at the same time as the will	Paid-in-full	$125
Husband and Wife Standard Wills* Includes testamentary support trust provisions for dependent children and the powers of attorney that are required and prepared at the same time as the will(s)	Paid-in-full	$150
Individual Complex Will Subsidy* Includes at least one of the following: distribution of assets outside of the nuclear family, provisions to minimize estate taxation, a trust other than a support trust. Services for estate and tax planning unrelated to the trust document are not covered under this benefit.	$125	$125
Husband and Wife Complex Will Subsidy* Includes at least one of the following: distribution of assets outside of the nuclear family, provisions to minimize estate taxation, a trust other than a support trust. Services for estate and tax planning unrelated to the trust document are not covered under this benefit.	$150	$150
Codicil (amendment to a Will)* Attachment to a single document Amendment(s) to spousal documents (2)	Paid-in-full Paid-in-full	$40 $60
Living Will* Single document Spousal document (2)	Paid-in-full Paid-in-full	$35 $50
Powers of Attorney* Legal services involving the creation of a document giving another individual the right to make decisions on your behalf should you become mentally or physically incapacitated.	Paid-in-full	$90
Consumer Protection*
Legal disputes about written or implied contracts involving the acquisition, lease, use or financing of goods and services, including debt collection defense Advice, negotiations, office work prior to a lawsuit being filed Advice, negotiations, office work, and court representation after a lawsuit is filed	Paid-in-full Paid-in-full	$240** $1,800***
Tenant Protection*
Legal disputes with your landlord about your rights as a tenant of your primary residence, including eviction defense Advice, negotiations, office work prior to a lawsuit being filed Advice, negotiations, office work, and court representation after a lawsuit is filed	Paid-in-full Paid-in-full	$240** $1,800***
Driving Privilege Protection--without DWI*
Legal defense against traffic misdemeanor charges which could directly result in the suspension or revocation of driving privilege (except when charged with or related to driving while impaired by, or under the influence of, drugs or alcohol) Legal services and court representation prior to trial Court representation at trial	Paid-in-full Paid-in-full	$400** $1,200***
Legal disputes involving the suspension or revocation of your driving privilege in administrative proceedings and/or legal representation involving the reinstatement of your driving privilege in administrative proceedings (except in relation to driving while impaired by, or under the influence of, drugs or alcohol) Advice, negotiations, and office work prior to administrative hearing Representation at administrative hearing	Paid-in-full Paid-in-full	$240** $720**
IRS Audit Protection*
Legal services involving personal tax Internal Revenue Service audits for which you receive written notice while your certificate of insurance is in effect and which relate to your personal tax return Advice consultation and negotiation Representation at an IRS audit	$420* $900*	$420** $900**
IRS Collection Defense*
Legal services involving personal tax Internal Revenue Service collection actions for which you receive written notice while your Certificate of Insurance is in effect and which relate to your personal tax return. Legal Services and court representation prior to trial Court representation at trial as a defendant	$1,800* $1,200**	$1,800** $1,200***

 

*	Requires a 90-day waiting period
**	Indemnity benefits are paid at $60 per hour up to the stated amounts.
***	Most trial indemnity benefits are reimbursed for up to three days of trial reimbursed at $200 per half-day of trial at a maximum of $1,200 unless otherwise noted.

We do not provide coverage for:

1. Legal services for matters against us, the policyholder, and/or the plan sponsor.
2. Legal services arising out of your profession, business interests, investment interests, occupation, employment, workers or unemployment compensation, relocation required by an employer, patents or copyrights.
3. Legal services for the benefit of a person other than you or legal services for other than the named insured against the interests of another insured under the same Certificate.
4. Costs related to title insurance, title search, title abstracting and any costs other than attorney fees.
5. Legal representation in class actions, interventions, judgments or court appeal proceedings.
6. Legal representation deemed by us to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules.
7. Legal services related to any court action which is or can be brought in Small Claims Court or in a similar court of limited jurisdiction.
8. Legal disputes involving insurance contracts or related to structural damage(s), noise, visual or other intangible hindrances arising out of or affecting real estate property.
9. Legal disputes arising out of the inheritance law or involving contracts related to family law matters or Qualified Domestic Relations Orders.
10. Legal services which are eligible to be paid by another party, allowed to be paid by law, involving punitive damage(s) claims, or other matters normally handled by contingency fee.
11. Matters which are not expressly listed under the Benefits Section of this policy or occur prior to the end of the waiting period.

Reduced Fee Legal Services cannot be provided for:
Exclusions 1-4, and 6 listed above.
Immigration matters, Non-covered immigration matters are available for a reduced fee. Depending on the matter, attorneys will provide reduced fees up to 25%.

Telephone Legal Access Services cannot be provided for:
Exclusions 1-4 listed above.
Matters which, in the opinion of the Telephone Legal Access Law Firm, may not ethically or appropriately be handled over the telephone.
Matters which require, in your and/or the Telephone Legal Access Law Firm's opinion, your personal presence in an attorney's office or your direct and personal representation by another attorney;
Members outside the jurisdiction of the United States of America or Canada.

Insurance products are underwritten by ARAG^® Insurance Company of Des Moines, Iowa. GuideOne^® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance of West Des Moines, Iowa. Additional services may be provided by ARAG LLC, ARAG Services LLC or Advisory Communication Systems Inc. Some products are only available through membership in the ARAG Association LC. This information is for illustrative purposes only and is not a contract. This information is intended to provide a general review of the plan described. Only the insurance policy can give actual terms, coverages, amounts, conditions and exclusions.