There are, but they're accounted for and explicitly called out and noted as situations that aren't covered. I don't know if it generalizes to all of their plans

There are, but they're accounted for and explicitly called out and noted as situations that aren't covered. I don't know if it generalizes to all of their plans (employers can customize them to an extent), but for the two companies I've had it through: - The employer can't see individual usage. It's effectively structured as an insurance plan, and all they can see is aggregate utilization levels for the group plan as a whole. - Engagements are covered by all of the same client-lawyer confidentiality you'd have if you retained the lawyer personally. There's no shenanigans that rope your employer into that circle of privilege. - Any suit/legal issue involving your company (the plan sponsor) is automatically not a covered situation you can use them for. That way they avoid the conflict of interest. - Business-related issues aren't covered. So, for example, your plan may include all of the legal aspects of (document/title review, presence during closing, etc) during buying a house. But only if the house is for personal use. Houses bought as an investment property rather than a residence to live in would be excluded. Same with stuff like freelancing contracts and whatnot.