Legal Plan | ARAG

Here's what you need to know

What it does for you
Why it's important
When you can enroll
Forms & resources

ARAG legal insurance makes it affordable to get the help you need. Address your covered legal situations with a network attorney virtually, over the phone or in person for legal advice, document review and representation.

Once you enroll, you could save thousands of dollars (on average) for legal matters by avoiding costly legal fees. If you work with a network attorney, then attorney fees are 100% paid in full for most covered matters. And avoid the hassle of finding local attorneys on your own. ARAG helps connect you with attorneys in their network, including many who average 20+ years of experience.

Network attorneys can help with a variety of legal services including:

Wills and trusts
Consumer protection
Property protection and transfers
Student loan debt
Bankruptcy
Traffic tickets and license suspension
Family law and divorce
Small claims court
Real estate and home ownership
Disputes with a landlord
And more!

ARAG® legal insurance plans are intentionally designed to offer the most comprehensive coverage for plan members, helping them take on life’s legal and financial matters.

Life is full of legal situations. Some you plan for — like creating a will or buying a home — and others are more unexpected, like fighting a traffic ticket or getting your deposit back from a difficult landlord.

ARAG® legal insurance makes it affordable to get the legal help you need: network attorney fees are 100% paid in full for most covered matters. Benefit from a wide range of coverage and services to protect your family and better navigate life’s legal challenges.

ARAG has a variety of tools and resources that can help you manage today’s common legal and financial matters, including:

ARAG Legal App: Members can easily start a case, create legal documents, search for network attorneys, view attorney ratings and reviews, contact ARAG Customer Care and more on the go.
ARAG Member Site: Members can create an online account where they can review plan-specific coverage details, find a local network attorney, view attorney ratings and reviews and even start a case. They can also use the site to access online DIY Docs to create, edits and store state-specific legal documents.

These are the periods when you are eligible to enroll:

Within your new hire enrollment period
If you have a qualifying life event (you get married, have a baby, etc.)
During your employer's annual enrollment

Check with your employer’s human resources/benefits team for specifics about these timeframes.

For details about your plan, visit ARAGlegal.com/myinfo and enter Access Code: 10503bog

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.

Who is the provider?

Arag Legal Insurance

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 personal legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.

Who in my family is eligible for this program?

You, your spouse/domestic partner and qualifying dependents are eligible. You must be enrolled in coverage for members of your family to also enroll.

How much does this coverage cost?

$18.20 per month covers you, your spouse/domestic partner and dependents.

What if my employment status changes?

Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

When would my coverage start?

Coverage is effective on the 1st of the month after coverage is approved.

What attorney can I use?
You’ll have access to a network of more than 15,000 network attorneys across the U.S. who:
- Average more than 20 years of experience practicing law.
- Can meet a wide range of legal needs.
- Are re-credentialed annually to maintain ARAG’s service expectations.
- Must fulfill specific criteria to maintain their status in the network.
If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters. 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.

How are payments handled with a non-network attorney?

As a member, you have the choice to see a network or non-network attorney; however most members use a network attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including an ARAG non-network attorney claim form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy. Contact ARAG Customer Care to request a non-network attorney claim form.

What can a network attorney do for me?
An ARAG network attorney can:
- Review or prepare personal documents.
- Make follow-up calls or write letters on your behalf.
- Advise and consult with you on legal issues.
- Represent you — even in court, if necessary.

Can I use this plan for small business-related or employment-related legal matters?

No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer. Please see the plan certificate for specific exclusions and additional information.

Are there any exclusions?
The plan covers most personal legal services. The following matters are excluded from coverage:
- Matters against ARAG, the policyholder or an insured against the interests of the named insured under the same Certificate.
- Legal services arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights.
- Legal services in class actions, post judgements, punitive damages, malpractice, appeals, small claims court or equivalent court in your state.
- Legal services deemed by ARAG to be frivolous or lacking merit, or in legal matters where you wish to take action against a party, regardless of whether the matter proceeds to you filing a lawsuit against the other party, and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.
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.

Legal Plan | ARAG

Legal Insurance

Life is full of legal situations both planned and unexpected. Now getting legal help is easy and cost effective.

Here's what you need to know

How It Works

You recently had a child and decide it’s time to create a will.

Because you’re enrolled in your Legal Plan, you’re covered.

Frequently Asked Questions

Are you ready To Enroll?