Legal Insurance Hyatt Legal Plans

February APRIL 2010 Legal Insurance—Did you know?  Workers are 3 times more likely to be involved in a legal dispute than to be admitted to a hospital  88% of workers experience at least one legal event in a year  56% of workers experience a legal event for personal property issues (e.g. refinancing a home; buying a car)  32% have personal disputes (e.g. traffic tickets)

February APRIL 2010 Legal Insurance—Did you know?  Most frequently used benefits by State of Georgia participants in regards to Legal Insurance are: Wills & Trusts Debt Collection Defense Matrimonial Matters Real Estate Matters Document Preparation  No waiting period for participants to enroll

February APRIL 2010 Legal Insurance  Use In-Network or Non-Network Attorney In-Network: Attorney has agreed to set rates for each covered service Non-Network: Attorney’s fees are paid by schedule of benefits. Employee pays the difference

February APRIL 2010 In-Network Attorney Facts  Participating attorneys average 22 years of experience  59% of participating attorneys graduated from top 100 U.S. law schools  Nationwide network of extensively credentialed attorneys

February APRIL 2010 Personal Law Center  Online Legal Services Members are able to research, educate themselves, and take action on everyday legal issues Access to plain-English and easy-to-use legal information, explanations, and legal tools  Telephone Legal Services Unlimited toll-free advice about personal legal matters Document review and correspondence to third parties Follow-up calls

February APRIL 2010 Personal Law Center  Online Legal Services Members are able to research, educate themselves, and take action on everyday legal issues Access to plain-English and easy-to-use legal information, explanations, and legal tools  Telephone Legal Services Unlimited toll-free advice about personal legal matters Document review and correspondence to third parties Follow-up calls

February APRIL 2010 List of Covered Services  Administrative Hearings  Adoptions  Attorney Office Work  Child Custody/Child Support  Consumer Protection  Debt Collection Defense  Defendant Civil Action Benefit  Document Review and Preparation  Estate Administration and Estate Closing  Eviction Defense  Guardianship/Conservatorship  Immigration/Naturalization  Internal Revenue Service Audit  Juvenile Court Proceeding  Matrimonial Matters  Name Change  Real Estate Matters  Traffic Charges  Wills and Trusts

February APRIL 2010 Exclusions  Business Ventures: “Activity which produces or designed to produce revenue”  Preparing or filing income tax returns  Worker’s Compensation Law or Unemployment matters  Administrative hearings, consultations, and civil and criminal legal actions, any part of which: (a) involve the State of Georgia, either as plaintiff or defendant, or any of its agencies or departments, or any of its insurers, or (b) relate to your employment  Services to a spouse or dependent against the plan Participant  Charges for services involving defense of child support recovery or defense of driving under the influence of alcohol or drugs  Fines, title insurance costs, court costs, court appointed attorneys, filing fees, subpoenas, assessments, penalties, expert witness fees, and other related expenses (e.g., facsimile, copy expense, postage, long distance phone charges, mileage, etc.) For the complete list, please refer to the Summary Plan Document