Whether you’re dealing with an existing legal or financial concern, or preparing for an unexpected situation, a legal benefits plan reduces the stress and worry of trying to find an attorney when it matters most.
What you get with a LegalEASE plan:
Protect your family’s future with LegalEASE.
LegalEASE offers valuable benefits to shield your family and savings from unexpected personal legal issues. As a new hire, you can enroll within 31 days of your date of hire. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period. $15.98 per month, via payroll deduction, covers you, your spouse/domestic partner and dependents. You can also learn more by visiting legaleaseplan.com/henkel.
Who is the provider?
How can this help me?
A legal insurance plan can ease the biggest stresses – finding and paying for legal expertise when you need it most.
Life events can lead to unexpected legal concerns that are difficult to handle alone. Enrolling in a legal insurance plan reduces the stress of finding and paying for an attorney when it matters most.
Who is eligible?
What if my employment status changes?
As a LegalEASE plan member, you have access to a national network of over 20,300 attorneys who are matched to your specific legal needs. Being a LegalEASE member also saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage* for:
Please check your enrollment link/materials for a complete list of benefits.
*Limitations and exclusions may apply. For a complete list of coverage details please refer to your Certificate of Coverage.
Are there any exclusions?
The specific exclusions to the plan can be found in the certificate of coverage provided to you upon membership. Some of the legal matters not covered under the plan include: preparation and filing of individual tax returns, trademark or patent matters, business or commercial interests, or employment related matters. The specific Policy language is provided below:
The following benefits are excluded:
What attorney can I use?
When accessing the LegalEASE Plan, simply call 1-888-416-4313. Team members will help you determine what type of attorney you need, where you need an attorney, what dates or deadlines are important and any preferences you may have. LegalEASE contacts providers in your preferred locations or where your legal need is occurring to confirm availability and ensure the attorney can assist. It’s important to LegalEASE to go over the specifics of your legal issue before you go to the attorney’s office, saving you time.
If you already have an attorney, and prefer to use her/him as a Non-Participating (Out-of-Network) Attorney, first contact the Member Service Center. Notify the representative of your intention to use a Non-Participating Attorney for a Covered Service. The Member Service Center will send you a claim form to request reimbursement. Your reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits of the Plan. If you already have an attorney at the time you become a Member, the Legal Plan Administrator can offer to negotiate with your attorney on your behalf, but does not guarantee the Plan Discounted Rate will be accepted by the attorney or offered by the LegalEASE Plan Administrator.
How is the attorney paid?
When you use an in-network attorney, the attorney’s time, as well as their staff’s is covered up to the maximum benefit listed in your Certificate of Coverage, if covered by your Certificate; however, 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 are the responsibility of the LegalEASE Member to pay to the attorney. 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 to request reimbursement. The Member’s reimbursement will be based on the reimbursement schedule as shown in the Schedule of Benefits. If a Member already has an attorney at the time he/she becomes a Member, the Legal Plan Administrator can offer to negotiate with the attorney on behalf of the Member, but will not guarantee the Plan Discounted Rate will be accepted by the attorney or offered by the Legal Plan Administrator.
The Member or Covered Family Member may call the Member Service Center to obtain a definition or explanation of any term used herein.
The coverage territory includes the United States and United States territories.
Premium Refund Provision
In the event that the premium mode is other than monthly and the group policy is terminated or the Member elects to terminate the coverage, a pro-rata premium refund will be made in accordance with the insurance laws of the Policyholder’s state.
Termination and Cancellation of Coverage
Coverage provided to the Member shall terminate upon the first of the following to occur:
Coverage provided to a Covered Family Member of a Member shall terminate upon the first of the following to occur:
When coverage for a Member and/or Covered Family Member terminates and a matter is unresolved when coverage terminated, then any further legal work between said Member and/or Covered Family Member and the Participating Attorney shall be outside the scope and coverage of the group policy / Certificate of Coverage. The Participating Attorney shall not be obligated to provide any benefits and any further legal services shall be based upon an independent and separate fee agreement entered into, if at all, between the former Member and/or Covered Family Member and the attorney. If such an agreement is not entered into, then the Participating Attorney may withdraw from any further representation in accordance with applicable law and State Bar standards.
The Member may continue this insurance by electing the option of portability when the Member no longer qualifies as an employee of the Policyholder or as a Member of the group to which the group policy is issued. The Member must apply for portability within sixty (60) days of this disqualifying event and make arrangements for premium payment. Portability coverage will take effect, subject to payment of the initial premium, as of the date the Member’s coverage under the group policy terminates. Credit will be given for any applicable Waiting Period based upon the number of months coverage was in force for the Member under the group policy.
Conformed to Statute
Any terms of the group policy / Certificate of Coverage that are in conflict with the statutes of the jurisdiction where issued, are amended to conform to the statutes.
Assignment of Benefits
The benefits provided under this group policy / Certificate of Coverage are not assignable.
Can I use this plan for small business-related or employment-related legal matters?
Limitations and exclusions apply. This benefit summary is intended only to highlight benefits and should not be relied upon to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are received upon enrolling in the plan. Group legal plans are administered by Legal Access Plans, L.L.C. or LegalEASE Home Office: 5151 San Felipe, Suite 2300, Houston, TX. This legal plan may not be regulated as insurance in some states, but is available in all states. Plans are underwritten by insurance carrier partners in states where required. Please contact LegalEASE for complete details. ©2020 LegalEASE All rights reserved.