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 legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.

Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need help with legal matters or financial issues. That means you can consult with a network attorney who can help you create a will, fight a traffic ticket or take legal action regarding a dispute with a home contractor—and it’s covered under your legal insurance benefit. That’s because network attorney fees are 100% paid in full for most covered legal matters.
 

Simply call ARAG Customer Care at 1-800-247-4184 and a specialist will help you get connected with a network attorney in your local area. The 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.

To help you better manage today’s common legal and financial matters, visit the Learning Center at ARAGlegal.com/myinfo and enter access code 18563unf where you have access to a variety of tools and resources, including: 
 

Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.
 

Personal Information Organizer: Download this document to help you keep track of all your critical legal, financial, medical and personal information. 
 

Legal Glossary: Review this comprehensive collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.

You and your eligible family members are covered.

ARAG’s legal insurance plan (or benefit) offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:

• Wills and estate planning
• Real estate and home ownership
• Traffic tickets and license suspension
• Disputes with a landlord
• Family law matters
• Small claims court
• Consumer fraud
• Personal property disputes
• Student loan debt
• Bankruptcy

 

Plus many more—visit ARAGlegal.com/myinfo and enter access code 18563unf and enter your access code for a complete list.

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 judgments, 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 actions where you are the plaintiff 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.

You have access to a network of more than 14,000 network attorneys across the U.S. who:

• Are individually selected to ensure you receive professional assistance.
• 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 standards.
• Must fulfill specific criteria to maintain their status in the network.

 

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. If there are no attorneys within 30 miles of your home or work, ARAG will work with you to locate an attorney from whom you may receive full in-network benefits for covered matters.

 

To find local network attorneys, please contact ARAG’s Customer Care Center at 1-800-247-4184 or you can log in to ARAGlegal.com/myinfo and enter access code 18563unf and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call ARAG’s Customer Care Center for assistance.

 

Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.

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.

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, its subsidiaries or insurance carriers.

You will have the option to purchase a similar legal plan through ARAG—the UltimateAdvisor® Conversion Plan. Contact ARAG at 1-800-247-4184 for details.