You’ll have access to a nationwide network of attorneys who can:
Network attorneys can help with a variety of legal services, including:
Access Codes: 17864ycd for Active; 17864cat for Retiree
Visit ARAG Legal center to learn more about what the plan offers, research legal topics and more! ARAGLegalCenter.com (Access Code: 17864ycd (active) 17864cat (retirees) )
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.
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?
Have you ever wished you had an attorney on retainer? Someone who could:
Now you can get something even better with your legal insurance benefit. With the legal plan, there are attorneys in your corner … ready whenever you need help on legal matters or financial issues. That means you can consult with an attorney for a will. Have a lawyer help you dispute a speeding ticket. Even get a legal opinion on what to do about a neighbor’s fence that’s sitting on your property—all without paying attorney fees or having to spend time finding the right attorney.
Attorney fees are 100 percent paid in full for most covered services when you use an attorney in the network. Best of all, you won’t be left scrambling if you run into a legal problem…calling or texting friends and family to try to find an attorney. Or, worrying how you’ll pay high-priced attorney fees. You’ll simply call 1-800-247-4184 and we’ll connect you with an attorney who can help. And in the end, you can rest easy knowing your legal insurance benefit takes care of the attorney fees on covered matters.
You’ll also have access to the ARAG® Legal Center with tools and resources like:
The Education Center™: A collection of helpful guidebooks, articles, newsletters and more to help you understand everyday legal issues.
DIY Docs®: An easy-to-use tool that gives you the convenience and control of creating state-specific, legally-valid documents online, including a standard will, childcare authorization and automobile bill of sale.
LawExpresso®: A monthly e-newsletter designed exclusively for members that covers timely legal topics and provides helpful tips.
Who is covered?
You and your eligible family members are covered.
When can I enroll?
How do I enroll?
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 a network of nearly 13,000 attorneys across the U.S. Attorneys in the ARAG Attorney 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 there are no attorneys within 30 miles of your home or office, ARAG will work with you to locate an attorney from whom you may receive full in-network benefits for covered matters.
To find local Network Attorneys, please contact ARAG’s Customer Care Center at 1-800-247-4184 or you can log in to ARAGLegalCenter.com or download the ARAG Legal app 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’s Customer Care Center for assistance.
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?
Limitations and exclusions apply. 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, call 800-247-4184.