ARAG® offers the most comprehensive legal insurance plan designed around a nationwide network of attorneys. The plan, UltimateAdvisor®, pays Network attorney fees—with no co-pays—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 or trust.

Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need assistance with legal matters or financial issues. That means you can consult with a network attorney who can help you create a will, fight a traffic ticket or take legal action regarding a dispute with a home contractor. And it's covered under your legal insurance benefit because network attorney fees are 100% paid in full for most covered legal matters.

Simply call ARAG Customer Care at 800-247-4184 and a specialist will help you get connected with a network attorney in your local area. The 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.

To help you better manage today's common legal and financial matters, visit the Learning Center at ARAGlegal.com/myinfo, 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.
• Legal Glossary: Review this comprehensive collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.

You and your eligible family members are covered.

ARAG’s UltimateAdvisor offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:

• Wills trusts and estate planning (wills, power of attorney)
• Family law (name change, adoption, divorce)
• Consumer protection issues (auto repair, consumer fraud)
• Traffic matters (driver license suspension, operating while intoxicated)
• Debt-related matters (bankruptcy, foreclosure)
• Landlord/tenant matters (contracts, security deposit)
• Buying/selling a home

 Plus, many more – visit ARAGLegalCenter.com for a complete list.

The plan covers most personal legal services. The following matters are excluded from coverage:

• Legal services for matters against ARAG, the policyholder and/or the plan sponsor.
• Legal services arising out of your profession, business interests, investment interests, occupation, employment, workers’ or unemployment compensation, relocation required by an employer, patents or copyrights.
• Legal services for the benefit of a person other than you or legal services for a person other than the named insured against the interests of another insured under the same Certificate.
• Costs related to title insurance, title search, title abstracting and any costs other than attorney fees.
• Legal representation in class actions, interventions, judgments, or appeals.
• Legal representation deemed by the attorney to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules.
• Legal services related to any court action which is or can be brought in Small Claims Court or in a similar court of limited jurisdiction.
• Legal disputes involving insurance contracts or related to structural damage(s), noise, visual or other intangible hindrances arising out of or affecting real estate property.
• Legal disputes arising out of the inheritance law or involving contracts related to family law matters.
• Legal services which are eligible to be paid by another party, allowed to be paid by law, involving punitive damage(s) claims or other matters normally handled by contingency fee.
• Matters which are not expressly listed under the “Benefits” section of this policy.

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 in-office 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.

You have access to more than 14,000 network attorneys across the U.S. who:

• Are individually selected to ensure you receive professional assistance.
• Average more than 20 years of experience practicing law.
• Can meet a wide range of legal needs.
• Are re-credentialed annually to ensure they meet ARAG's standards.
• Must fulfill specific criteria to maintain their status in the network.

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 our Customer Care Center at 800-247-4184. You can also log in to ARAGlegal.com/myinfo 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 our Customer Care Center to learn about our network attorney guarantee.

Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.

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 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.

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, its subsidiaries or insurance carriers.

You will have the option to purchase a similar legal plan through ARAG—the UltimateAdvisor® Conversion Plan. Contact ARAG at 800-247-4184 for details.