The legal plan gives you access to basic, personal legal help. The plan provides online, over-the-phone or in-person access and covers specific legal services. These services are provided through ARAG at an annual cost roughly equal to the average attorney rate of one or two hours at an attorney’s office.

The legal insurance plan helps mainly with routine preventive or defensive matters and should cover most legal needs. More information about the legal plan is available here.

The ARAG Legal Plan is open for enrollment this year.

ARAG's enhanced identity theft program provides access to an identity theft restoration specialist who will help you restore your credentials. The specialist can work on your behalf to:

  • Cancel and replace credit cards, check books, driver's license, insurance cards and other documents
  • Work with lenders, bureaus and courts, as necessary

The program also includes credit monitoring services designed to track and inform you of any activities or changes to your credit such as loan applications, credit card activations and purchases. Internet surveillance to see if your personal information is being traded or sold online is also provided, as is child identity monitoring to protect your minor’s personal information. Finally, you are covered up to $1 million to reimburse costs associated with restoring your identity if you are the victim of identity theft.

Plan Changes for 2016

Fewer limitations and more benefit for certain services. For example, the limitation of one claim per benefit year per family will be eliminated.

Plan costs

Plan costs are not changing.

Monthly Cost
Self $10.02
Self plus adult $13.78
Self plus child(ren) $13.78
Self plus adult plus child(ren) $15.03