Eligibility

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 ARAG® Customer Care when you have a legal matter.
  • Customer Care will walk you through your options and assist you with your search for a network attorney.
  • Meet with your network attorney either over the phone or in person to begin resolving your legal issue.

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 $10.87
Self plus adult $14.95
Self plus child(ren) $14.95
Self plus adult plus child(ren) $16.31