For a low monthly premium, you’ll have access to a nationwide network of attorneys who can:
Network attorneys can help with a variety of legal services, including:
As a new hire, you can enroll within 31 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's benefits enrollment period or if you have a qualifying life event.
UltimateAdvisor® provides a wide range of coverages, legal services and online tools and resources for $16.10 per month.
Payments can be made via payroll deduction, which covers you, your spouse/domestic partner and eligible dependents.
Enroll in the ARAG Legal Plan
Contact a network attorney
Receive unlimited legal advice on personal legal matters when you need it
Who is the provider?
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.
How can this help me?
You can’t predict the future, but you can plan for it. Legal insurance isn’t just for the serious issues, it’s for your everyday needs, too. Legal insurance helps you address common situations like creating wills, buying a home or dealing with a traffic ticket. And at ARAG, network attorney fees are 100% paid-in-full for most covered matters.
Simply call ARAG at 1-800-247-4184 and a Customer Care specialist will help you get connected with a network attorneys in your local area. The attorney can:
To help you better manage today’s common legal and financial matters, visit the Learning Center at ARAGlegal.com, 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 information, including legal documents, financial accounts, medical records and personal data.
Multi-Part Educational Email Series: Sign up to receive the ins and outs on a variety of legal matters delivered straight to your inbox.
Who is 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:
Plus many more—visit ARAGLegal.com/MyInfo and enter 10536hoa for a complete list.
Are there any exclusions?
The plan covers most personal legal services. The following matters are excluded from coverage:
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.
What attorney can I use?
You have access to a network of more than 15,000 network attorneys across the U.S. who:
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.
To find local network attorneys, please contact ARAG Customer Care at 1-800-247-4184. You can also log in to ARAGlegal.com 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 Customer Care for assistance.
Members can also download the ARAG Legal app as a convenient way to select and connect with network attorneys on the go.
How are payments handled with a non-network attorney?
Can I use this plan for small business-related or employment-related legal matters?
What if my employment status changes?
Limitations and exclusions apply. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 1-800-247-4184.