How It Works
Forms
These forms are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Legal Resources During COVID-19 |
| How to Update Payments with ARAG |
UltimateAdvisor® legal insurance from ARAG offers you affordable, reliable counsel when something in life turns into a legal issue, like a dispute with a contractor, a traffic ticket or the need for estate planning. Attorney fees for most covered legal matters are 100% paid in full when you work with a Network Attorney, which means you’ll avoid paying high-cost attorney fees. It’s like having an attorney on retainer whenever you have a question or need guidance regarding a legal matter.
The plan gives you the flexibility to choose which level of legal coverage and services works best for your situation. For as little as $14.50 per month for UltimateAdvisor Base or $23.44 per month for UltimateAdvisor Plus, you can enroll in either plan and have a place to turn to for help, with access to a nationwide network of attorneys who will:
The legal plan provides access to a network of participating attorneys to provide services, including:
As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
Enjoy life. Worry Less.
Visit ARAG Legal center to learn more about what the plan offers, research legal topics and more! ARAGLegalCenter.com (Access Code: 18324app)
NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.
These forms are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Legal Resources During COVID-19 |
| How to Update Payments with ARAG |
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 legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.
How can this help me?
Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need assistance 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 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:
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.
Who is covered?
What’s 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 and enter your access code 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 14,000 network attorneys across the U.S. who:
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 you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.
To find local network attorneys, please contact ARAG’s Customer Care Center 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’s Customer Care Center for assistance.
Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.
How are payments handled with a non-network attorney?
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.
Can I use this plan for small business-related or employment-related legal matters?
What if my employment status changes?
Who is the provider?
We’ve teamed up with Mercer Voluntary Benefits and ARAG® to bring you this legal plan.
ARAG offers the top performing legal insurance designed around a nationwide network of attorneys. The plan, Ultimate Advisor® offers help with legal insurance that pays your attorney fees—with no co-pays—for most covered legal matters when you work with a Network Attorney.
The legal insurance plan offers affordable and reliable legal counsel for everyday life matters like a dispute with a contractor, buying or selling a home or the need for estate planning.
How can this help me?
Now you can get something even better with your legal insurance benefit. This benefit puts a team of attorneys on your side … ready whenever you need assistance on legal matters or financial issues. That means you can consult with an attorney for a will. Have a lawyer help with a speeding ticket. Even get a legal opinion on what to do about a neighbor’s fence that’s sitting on your property. And it's covered under your legal insurance benefit. Sounds too good to be true? It’s not.
Attorney fees are 100% paid in full for covered services when you use our nationwide network of attorneys. BEST OF ALL: You won’t be left scrambling if you run into a legal problem…calling friends and family to try to find the best attorney. Worrying how you’ll pay high-priced attorney fees. You’ll simply call 800-247-4184 and we’ll put our team of legal professionals to work for you. And in the end, you can rest easy knowing your legal insurance benefit takes care of the attorney fees.
Most covered legal matters—such as Consumer Protection Issues, Real Estate Issues, Will Preparation and many others—are 100% paid-in-full when you work with a Network Attorney. The attorney can also:
To help you learn more about addressing and resolving legal issues visit the ARAG® Legal Center. You’ll have access to:
Visit ARAGLegalCenter.com to learn more about what the plan offers, research legal topics and MORE! Or call 1-800-247-4184 to speak with an ARAG Customer Care Specialist.
Who is eligible?
You and your family members are eligible.
What if my employment status changes?
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.
What’s covered?
ARAG’s Ultimate Advisor offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:
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% off their normal rate.
What attorney can I use?
You have access to a network of more than 12,000 attorneys across the U.S. Attorneys in the ARAG Attorney Network:
You also have the flexibility to use a non-Plan Attorney and get reimbursed for covered services according to a set fee schedule. If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.
To get a list of Network Attorneys, please contact our Customer Care Center at 800-247-4184. You can also log in to ARAGLegalCenter.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.
How is the attorney paid?
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 requiring no claim form. If you choose to work with a Non-Network Attorney, you will be billed directly by them. You will then be required to provide us with appropriate documentation—including ARAG Non-Network Attorney Claim Form—to be reimbursed for covered legal services. Reimbursement will then be made to you according to the schedule, which is listed in your group policy.
Can I use this plan for small business-related or employment-related legal matters?
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.