For a low monthly premium, you'll have access to a nationwide network of attorneys who will:
Network attorneys can help with a variety of legal services, including:
Visit ARAGlegal.com/myinfo and enter access code 18550sc to learn more about what the plan offers, research legal topics and more!
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.
As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
You can choose between two plans:
Payments can be made via payroll deduction, which covers you, your spouse/domestic partner 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. You can choose between two different plans, UltimateAdvisor® and UltimateAdvisor Plus™. For both plans, 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.
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 can choose between two different plans, UltimateAdvisor® and UltimateAdvisor Plus™. Both plans offer unlimited telephone advice on covered matters and network attorney fees are 100% paid in full for most covered legal matters. You can also receive in-office consultations regarding a wide range of personal legal issues and full representation for the following:
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 nonexcluded 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?
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?
If members leave employment, they have the option of enrolling in an ARAG conversion plan that offers similar benefits and arrange to pay premiums to ARAG directly for coverage. Contact ARAG at 800-247-4184 for details.
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, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West 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, contact us at 800-247-4184.