For a low monthly premium, you’ll have access to a nationwide network of attorneys who can:
Network attorneys can help with a variety of legal services, including:
Visit ARAG Legal center to learn more about what the plan offers, research legal topics and more! ARAGLegalCenter.com (Access Code: 18040df )
NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period. You may only cancel your legal plan during annual enrollment or with a qualifying life event. To cancel, please call the employee service center at 1-800-964-2238.
Who is the provider?
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.
How can this help me?
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:
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:
Who is covered?
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:
Plus, many more – visit ARAGLegalCenter.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 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.
What attorney can I use?
You have access to more than 14,000 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 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.
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 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.
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, its subsidiaries or insurance carriers.
What if my employment status changes?
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.