Arag Legal Insurance

 

ARAG® is a leading provider of legal insurance in the U.S., offering the most comprehensive legal insurance plan designed around a nationwide network of attorneys. Network attorney fees are 100% paid in full for most covered legal matters.
 

The legal insurance plan provides affordable legal counsel for a variety of personal legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.

You, your spouse and qualifying dependents are eligible. You must be enrolled in coverage for members of your family to also enroll. 

Cost for coverage is based on your enrollment date and plan selected. To view plan features and cost for coverage select View Plan and Enroll in the Enrollment section.

Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

Coverage is effective on the 1st of the month after coverage is approved.

You’ll have access to a network of more than 15,000 network attorneys across the U.S. who:

 

• Average more than 20 years of experience practicing law.
• Can meet a wide range of legal needs.
• Are re-credentialed annually to maintain ARAG’s service expectations.
• Must fulfill specific criteria to maintain their status in the network.

 

If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters. You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan.

As a member, you have the choice to see a network or non-network attorney; however most members use a network attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including an ARAG non-network attorney claim form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy. Contact ARAG Customer Care to request a non-network attorney claim form.

An ARAG network attorney can:

 

• Review or prepare personal documents.
• Make follow-up calls or write letters on your behalf.
• Advise and consult with you on legal issues.
• Represent you — even in court, if necessary.

No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer. Please see the plan certificate for specific exclusions and additional information.

The plan covers most personal legal services. The following matters are excluded from coverage:

 

• Matters against ARAG, the policyholder or an insured against the interests of the named insured under the same Certificate.
• Legal services arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights.
• Legal services in class actions, post judgements, punitive damages, malpractice, appeals, small claims court or equivalent court in your state.
• Legal services deemed by ARAG to be frivolous or lacking merit, or in legal matters where you wish to take action against a party, regardless of whether the matter proceeds to you filing a lawsuit against the other party, and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.

Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for paid-in-full coverage. However, as a plan member, you are eligible to receive telephone legal advice for non-excluded matters from a network attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.