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. You can choose between two different plans, Legal Protection and Legal Protection Plus. Both plans offer 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.
 

For both plans, you can have an initial consultation with a network attorney at no charge. Then, if you decide to seek additional legal help through the plan, network attorney fees are 100% paid in full for covered legal matters after you pay a $250 deductible. 

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 after you pay a $250 deductible, network attorney fees are 100% paid in full for covered legal matters.

Simply call ARAG Customer Care at 800-819-6010 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, 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’ll also have access to DIY Docs®, which provides online access to help you create any of 350+ legally valid documents, including state-specific templates.

As the plan member, you’ll be covered, along with your spouse or your same or opposite sex domestic partner. In addition, your children are covered until the end of the month when they reach age 19, or age 23 if unmarried and a full-time student.

 ARAG’s Legal Protection and Legal Protection Plus offers initial legal consultation, either in-office or over the phone, with a network attorney for a wide range of personal legal issues and full representation for the following:

• Estate planning, including wills, trusts and powers of attorney
• Family law (name change, adoption)
• Consumer protection issues (auto repair, consumer fraud)
• Traffic matters (driver license suspension, traffic tickets)
• Debt-related matters (e.g., debt collection, student loans, foreclosure)
• Landlord/tenant matters (contracts, security deposit)
• Buying/selling a home
• And more!*

Please note that if your matter is not covered (and not excluded), you are eligible to receive a reduced-fee benefit of up to 25% off a network attorney’s normal hourly rate.

For more plan details, visit ARAGlegal.com.

 

*ARAG legal insurance is designed to provide coverage for personal legal matters, not matters related to an individual’s business, employment or investment interests. 

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

• Legal services in class actions, post judgments, punitive damages, malpractice or appeals.
• Legal services deemed by us 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.
• Matters against us or an insured against the interests of the named insured under the same policy.
• Legal services arising out of a business interest, investment interests, employment matters, your role as an officer or director of an organization and patents or copyrights.
• Any legal matter not specifically listed on your policy.
• Legal services for the benefit of a person other than you.

 

Pre-existing matters: this is an insurance policy that covers various personal legal matters that occur after you have purchased the policy. The earliest date for any of the following events is used to determine whether a legal matter is covered:

• Written notice of a legal dispute is sent or filed by you or received by you
• A ticket or citation is issued
• An attorney is hired
   

If any of these events occur before you purchase a policy, the matter is considered pre-existing, but you still may be eligible to use the Reduced Fee Benefit for your legal matter and receive at least 25% off the network attorney’s normal hourly rate.  you still have the benefit available to you for that particular matter of at least 25 percent off network attorney fees.

You have access to 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 ensure they meet ARAG’s standards.
• Must fulfill specific criteria to maintain their status in the network.

After confirming coverage, ARAG will provide you with a list of network attorneys who practice in the area of law that relates to your specific legal matter. You will be able to review each attorney’s profile and decide for yourself which network attorney is the best fit for your situation.

You also have the flexibility to choose an attorney who is not within the ARAG attorney network to handle your covered matter. In this situation, you would be billed directly by the attorney and then after paying your deductible you can be reimbursed for attorney fees that are paid on an indemnity basis up to the maximum amounts listed in your policy.

To find local network attorneys, please contact our Customer Care Center at 800-819-6010 or you can 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 our Customer Care Center to learn about our network attorney guarantee.
 

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 the attorney and then after paying your deductible you can be reimbursed for attorney fees paid on an indemnity basis up to the maximum amounts listed in your policy.

No. ARAG legal insurance is designed to provide coverage for personal legal matters, not matters related to an individual’s business, employment or investment interests.

Visit ARAGlegal.com or call ARAG Customer Care at 800-819-6010.