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

Plan Costs

Monthly Cost
Self $10.41
Self plus adult $14.32
Self plus child(ren) $14.32
Self plus adult plus child(ren) $15.62