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 much less than the average attorney rate for an hour in California.

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.

Plan Changes for 2018

The plan offers enhanced coverage of document preparation and review, insurance disputes, and state and local tax collection defense and expungement. New packages were added for:

  • Family law — includes consultations about elder law, child custody and child support agreements, parental responsibilities, prenuptial and postnuptial agreements, caregiving services, protection of inheritance rights, executor appointments and guardianship/conservatorship disputes
  • Real estate (for primary and secondary residence unless otherwise noted) — includes consultations about purchase and sale of real estate, refinance, home equity loans, construction loans, residential contractor disputes, land purchase (primary residence) and real estate disputes (secondary residence)

Plan costs

The premium increase for 2018 is 4.47 percent.

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