Legal Plan

How Your Group Legal Plan Works 

Your Group Legal Plan covers a wide range of legal services. The plan also gives you the option of using network or non-network attorneys. 

This section provides an overview of the Group Legal Plan’s operation, but it does not go into all of the details. A comprehensive package of descriptive plan materials is available from the Claim Administrator (ARAG Group) at 1-800-247-4184. You should carefully read these materials before deciding to participate in the plan.

Your first step in using the Group Legal Plan is to contact an ARAG Group Customer Care Counselor at 1-800-247-4184. ARAG Customer Care Counselors are available Monday through Friday, from 7 a.m. to 7 p.m. (Central Time). You can also e-mail an ARAG Customer Care Counselor at

For additional information on using your Group Legal Plan benefits, you can also log on to ARAG Group’s website at, Access Code: 13400thp

The legal services that are covered by the Group Legal Plan include: 

  • standard and complex will preparation
  • powers of attorney
  • court adoption, guardianship, and conservatorship proceedings
  • divorce proceedings
  • legal name change proceedings
  • consumer protection and consumer debt collection
  • juvenile court proceedings
  • criminal misdemeanor
  • civil damage claims
  • driving privilege protection
  • real estate issues
  • tenant rental issues
  • personal property issues
  • IRS matters
  • small claims court          
For a more complete description of covered legal services and associated plan payments, refer to the Covered Legal Services charts.

Plan participants have access to toll-free assistance for appropriate legal matters, including: 

  • follow-up correspondence and phone calls to third parties
  • small claims assistance
  • legal review of documents (up to four pages)
  • document preparation
  • identity theft services
  • immigration services
  • financial education and counseling services 

If your Group Legal Plan advisor determines that your legal matter cannot be handled over the phone, he or she will refer you to a network attorney for in-office consultation. 

Group Legal Plan participants have access to online legal services, including: 

  • a Law Guide to help you learn more about your legal situation and become a better-informed legal consumer;
  • online courses, calculators, personalized financial plan; and
  • a legal document service that allows you to create your own legal documents. 

Group Legal Plan participants have the option of using network or non-network attorneys for in-office consultation and representation on a wide range of legal matters, including: 

  • consumer protection
  • small claims court
  • dissolution, divorce, separation, or annulment
  • court adoption
  • IRS collection defense and audit protection
  • driving privilege, traffic violation, and related issues
  • sale or purchase of primary residence
  • document preparation
  • major trial for covered legal matters
  • other covered matters          
For a more complete description of network and non-network benefits for each of the above matters, refer to the Covered Legal Services charts.

Covered in-office legal services are provided through a network of participating attorneys. Each of these attorneys must meet strict standards before being allowed to join the network, which is maintained by the Claim Administrator (ARAG Group).

Using a network attorney gives you a number of advantages: 

  • most network services are paid in full;
  • network services that are not paid in full are provided at discounted rates and/or subject to out-of-pocket maximums; and
  • there are no claim forms to fill out when you use a network attorney. Your network attorney will file your claim for you. 

If you cannot locate a network attorney within 30 minutes of your home, the Claim Administrator will attempt to arrange for you to receive covered legal services through an attorney in your area. 

You will receive a statewide directory of participating network attorneys following your enrollment in the plan. You can also call the Claim Administrator at 1-800-247-4184 if you have any questions about the plan’s benefits, including participating attorneys.  

To locate a Network Attorney in your area, call the number listed above or visit the Attorney Finder at, Access Code 13400thp.

You have the option of using a non-network attorney for covered in-office legal services. If you use a non-network attorney for a covered in-office service: 

  • you must notify the Claim Administrator within 60 days of contacting the non-network attorney;
  • you must file a claim form in order to receive reimbursement for a covered non-network legal service (see the Filing Your Claim section);
  • your claim must be filed within 120 days of the date that you incur an expense for the service; and
  • the plan will reimburse you for all or a portion of your cost for the service. The maximum amount of this reimbursement depends on the type of service you receive (see Plan Payment: Here's an Example below). 

If you use a non-network attorney for a covered legal service, it is important to remember that it is your responsibility to pay any costs in excess of the maximum plan reimbursement for that service. For a summary of non-network reimbursement rates for covered in-office legal services, refer to the Covered Legal Services charts. 

It is possible that you may need legal assistance for a matter that is not listed as a covered plan service. In this case, you may be eligible for a reduced fee network attorney benefit, provided that the matter is not specifically excluded by the plan (see Exclusions and Limitations for details).

Access to reduced fee network attorneys is subject to availability. You should contact the Claim Administrator (ARAG Group) at 1-800-247-4184 to determine the availability of a reduced fee network attorney in your area.

If you use a reduced fee network attorney for a qualifying non-covered matter: 

  • it is your responsibility to pay the attorney directly; and
  • you must file a claim in order to receive plan reimbursement (see Filing Your Claim). 

Cost to You
A reduced fee network attorney's charge for a qualifying non-covered matter will be at least 25% less than the attorney's normal fee for handling that matter. 

You can contact the Claim Administrator (ARAG Group) at 1-800-247-4184 for more information concerning plan benefits for qualifying non-covered matters. 

Assume that you use a network attorney for the preparation of a will, power of attorney, property transfer, or other covered legal service. In this case, all fees in connection with the covered legal service will be paid directly by the plan. You do not have to submit a claim or fill out any forms. 

Now, assume that the same facts apply, except that you elect to use a non-network attorney for the same covered legal service. Also assume that: 

  • the non-network attorney charges you $450 for the service; and
  • the scheduled non-network amount allowance for the service is $360.

In this case, you are responsible for paying the non-network attorney’s full $450 fee. Following the receipt and approval of your claim, the plan will reimburse you for $360. Your net cost for the service is $90 ($450 $360 = $90). 

The Group Legal Plan does not cover pre-existing legal conditions. For plan purposes, a “pre-existing legal condition” is any legal matter that occurred or was initiated prior to the date that you became covered by the Group Legal Plan. The term “initiated” is defined as the date when the infraction occurred, a document was filed with the court, or an attorney was hired. 

If you have a complaint about the legal services you have received or the conduct of a network attorney, you can call the Claim Administrator (ARAG Group) at 1-800-247-4184. Your complaint will be reviewed and you will receive a response within 24 to 48 hours.