With Legal Insurance, you’ll have access to a nationwide network of attorneys who can:
Network attorneys can help with a variety of legal services, including:
Once you are enrolled, your coverage is effective for one year and you will remain enrolled for the remainder of the plan year, which ends on March 31 each year. You are not permitted to drop coverage during the plan year. You may only enroll during the annual enrollment window, which is expected to occur each February for an April 1 effective date.
Visit ARAGlegal.com to learn more about what the plan offers, research legal topics and more!
Enrollment is limited to the company's annual enrollment window for the Legal Insurance Plan.
The Legal Insurance Plan provides a wide range of coverages, legal services and online tools and resources for a weekly cost of $3.12.
Payments are made via payroll deduction, which covers you, your legal spouse and eligible dependents.
Who is the provider?
ARAG® is a leading provider of legal insurance in the U.S., offering the most comprehensive legal insurance plan designed around a nationwide network of attorneys. Network attorney fees are 100% paid in full for most covered legal matters.
The Legal Insurance Plan provides affordable legal counsel for a variety of legal matters, such as a dispute with a contractor, buying or selling a home or creating a will. Network attorney fees are 100% paid in full for most covered legal matters.
How does this work?
Call ARAG at 1-800-247-4184 and a Customer Care specialist will help you get connected with a network attorney in your local area. The attorney can:
To help you better manage today’s common legal and financial matters, visit the Learning Center at ARAGlegal.com, where you have access to a variety of tools and resources, including:
Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.
Personal Information Organizer: Download this document to help you keep track of all your critical legal, financial, medical and personal information.
What can I expect after I am enrolled?
Who is covered?
The Legal Services Plan, administered by ARAG offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:
Plus many more—visit ARAGlegal.com for a complete list.
Are there any exclusions?
The plan covers most personal legal services. The following matters are excluded from coverage:
Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for paid-in-full coverage. However, as a plan member, you are eligible to receive telephone legal advice for non-excluded matters from a network attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.
For a complete list of exclusions, refer to the plan document for details about the plan.
Which attorney can I use?
You have access to a network of more than 15,000 network attorneys across the U.S. who:
You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan. If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.
To find local network attorneys, please contact ARAG Customer Care at 1-800-247-4184. You can also log in to ARAGlegal.com and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call ARAG Customer Care for assistance.
Members can also download the ARAG Legal app as a convenient way to select and connect with network attorneys on the go.
How are payments handled with a non-network attorney?
Can I use this plan for small business-related or employment-related legal matters?
What if my employment status changes?
Limitations and exclusions apply. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 1-800-247-4184.