Legal Insurance

Legal Insurance  


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 $15.13 per month for UltimateAdvisor Base or $24.57 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:

  • Work with you in-person, over the phone or online to consult with you on legal issues.
  • Review or prepare documents.
  • Make follow-up calls or write letters on your behalf.
  • Represent you if needed.

The legal plan provides access to a network of participating attorneys to provide services, including:

  • Wills, Trusts and Estate Planning
  • Family Law (name change, adoption, divorce)
  • Consumer Protection Issues (auto repair, consumer fraud)
  • Criminal Matters (juvenile matters, habeas corpus)
  • Debt-Related Matters (bankruptcy, credit records)
  • Landlord/Tenant Matters (contracts, security deposits)
  • And more!

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.



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Learn More

Visit ARAG Legal center to learn more about what the plan offers, research legal topics and more! (Access Code: 18324app)

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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.



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Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • 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?

    • Have you ever wished you had an attorney in the family?
    • Someone who could send a letter to an auto dealership and get them to fix your car right.
    • Someone who could call the credit card company so they’d erase a disputed charge on your account.
    • Someone who could get in touch with a contractor who hadn’t finished your home repair properly and convince them to fix the project correctly.

    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.

    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:

    • Review or prepare documents
    • Make follow-up calls or write letters on your behalf
    • Advise and consult with you on legal issues
    • Represent you in court if needed

    To help you learn more about addressing and resolving legal issues visit the ARAG® Legal Center. You’ll have access to:

    • The Education Center™: A collection of helpful Guidebooks, articles, newsletters and more to help you understand everyday legal issues.
    • DIY Docs®: An easy-to-use tool that gives you the convenience and control of creating state-specific, legally-valid documents online, including a Standard Will, Childcare Authorization and Automobile Bill of Sale.
    • LawExpresso®: A monthly e-newsletter designed exclusively for members that covers timely legal topics and provides helpful tips.

    Visit 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:

    • Wills Trusts and Estate Planning (Wills, Power of Attorney)
    • Family Law (name change, adoption, divorce)
    • Consumer Protection Issues (auto repair, consumer fraud)
    • Criminal Matters (expungement, juvenile matters)
    • Debt-Related Matters (bankruptcy, credit records)
    • Landlord/Tenant Matters (contracts, security deposit)
    • Plus, many more – visit for details.
  • Are there any exclusions?

    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, 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% 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:

    • Were selected individually to ensure you receive professional assistance from qualified attorneys
    • Average more than 20 years of experience practicing law
    • Represent a wide range of specialties to meet your range of legal needs
    • Are re-credentialed annually to maintain our standard of excellence
    • Must fulfill specific criteria to maintain their status in the Network, including:
      • Verified educational background, specialties and continuing education
      • State licensed to practice law – good standing with their state bar association
      • Regular engagement in the practice of law and the maintenance of a full-time law office
      • Professional liability insurance
      • Disclosure of any complaints, discipline or malpractice claims

    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 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.

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.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.