Who's eligible: Employees with Full, Mid-Level or Core benefits and retirees
Who’s covered: You and your family members
Who pays the premium: You
How the Plan Works
- Call the plan directly for toll-free telephone advice.
- Send the plan an e-mail.
- Visit an attorney in person. You may use a network attorney or a nonparticipating attorney of your choice. However, if you use a nonparticipating attorney, you may be required to pay for services first and then submit a bill for reimbursement. See the plan booklet for the coverage limits for participating and nonparticipating attorneys.
- The Law Guide and Document Library on the ARAG Legal website has a variety of updated educational legal information.
What the Plan Covers
- Legal advice, representation and preparation or review of documents in-office from an ARAG Network Attorney
- Legal advice via phone from ARAG’s nationwide network of telephone attorneys
- Estate planning documents including wills, trusts (using the 8 hour General In-Office benefit once per certificate year), powers of attorney and healthcare directive
- Family legal matters including divorce, separation, annulment, child support, visitation and/or alimony, adoption, guardianship/conservatorship and name change
- Identity theft protection services including: Credit Monitoring, Internet Identity Surveillance, Child Identity Monitoring, Full-Service Identity Restoration, and Identity Theft Insurance*
- Consumer protection issues including personal bankruptcy, debt collection defense and legal representation for enforcement of warranties or promises in connection with lease or purchase of goods or services; disputes over real estate construction matters are not included
- Defense of traffic offenses, including traffic tickets
- Driving privilege protection
- Tax planning including consultation on federal and state personal income taxes, assistance with tax audits, help with reducing property tax assessments and credit record correction
- Administrative hearings including legal assistance with administrative hearings related to primary and secondary schools; building code or permit violations; property zoning, variances and easements; Social Security, veterans, or Medicare benefits; mental incompetency or infirmity proceedings, and driving privilege restoration (non-DWI-related)
- Domestic violence protection including legal services for the insured to obtain a protective order related to domestic violence when the opposing party is not covered under the same policy
- Defense of misdemeanor charges such as trespassing, public intoxication, and vandalism
- General In-Office — 8 hours of attorney time per family per certificate year for advice, negotiation and service for personal legal matters that are not covered or excluded; includes preparation of a trust, administrative hearings or sale/purchase of a residence
- Online legal tools and resources, such as DIY Docs® that enable you to create documents like a standard will, power of attorney, child medical authorization, HIPAA authorization, contractor agreement and more
|Self plus adult||$14.32|
|Self plus child(ren)||$14.32|
|Self plus adult plus child(ren)||$15.62|