Legal Plan
 

Covered Legal Services

This section provides an overview of covered Group Legal Plan services and associated payments. If you have any questions about the plan’s covered services and payments, contact the Claim Administrator (ARAG Group) at 1-800-247-4184

Note: Certain legal services are not covered by the plan. This is explained under Exclusions and Limitations

Telephone Legal Services Payment
Toll-free telephone advice for personal matters (except when specifically excluded) Paid in full
Follow-up correspondence and phone calls to third parties regarding your personal legal matter Paid in full
Telephone Small Claims Assistance

Toll-free advice on how the law relates to your Small
 Claims Court matter. (Coverage does not include the attorney’s trial preparation, attendance or representation at the small claims trial.)
Paid in full
Preparation of the following documents: Simple will, powers of attorney and revocations, childcare authorizations, challenge to denial of credit, bad check notice, promissory notes, affidavits, bills of sale (excluding real estate) Paid in full

 

Identity Theft Services Payment

You will receive toll-free access to an Identity Theft Case Manager who will:

  • Explain what identity theft is and how to prevent it
  • Provide resources to minimize and recover from identity theft
  • Explain relevant plan coverages
  • Provide an Identity Theft Prevention Kit
  • Provide an Identity Theft Victim Action Kit
  • Monitor and follow up on the situation

 

Paid in full

 

Online Legal Services Payment

You will receive access to:

  • Law Guide — Helps you learn about your legal situation and become a better-informed legal consumer
  • Do-It-Yourself Legal Documents™ — Allows you to create your own legal documents

 

Paid in full

 

Immigration Services Payment

You will receive toll-free access to an Immigration Case Manager who will:

  • Explain the immigration benefit
  • Provide educational and administrative materials
  • Provide practical and cautionary information
  • Monitor and assist you as you deal with immigration issues

 

Paid in full

You receive toll-free telephone advice from a Network Attorney on how immigration law relates to your legal matter and what actions may be taken. You will receive advice regarding the following:

  • General immigration process education and guidelines
  • Advice on filing and processing applications or petitions, including which forms should or should not be filed
  • Laws and regulation governing various types of immigration benefits, including asylum, adjustment of status, business visas and employment authorizations
  • Advice and information to individuals facing deportation and removal proceedings
  • Breaking issues in immigration law including changes in the law and programs for immigration benefits

 

 

Paid in full

For immigration matters that cannot be handled over the phone, or if you need to see a state-specific Network Attorney, Reduced Fee Network Attorneys will offer up to a 25% reduced rate off their normal fees/rates for any review, preparation or representation for covered immigration services

Up to a 25% discount off a Network Attorney’s normal fees/rates for covered immigration matters

 

Reduced Fee Network Attorneys Payment

You have access to Reduced Fee Network Attorneys for non-covered, non-excluded matters:

  • Reduced rates of at least 25% for in-office legal needs such as representation and other legal issues for non-covered, non-excluded matters when using an ARAG Reduced Fee Network Attorney within legal practice area.
  • Access to Reduced Fee Network Attorneys is subject to availability. You are encouraged to contact ARAG to determine proximity to a Reduced Fee Network Attorney within legal practice areas.
  • Payment of attorney fees is handled directly between you and the attorney.


 

At least a 25% reduced rate off a Reduced Fee Network Attorney’s normal fees/rates for non-covered, non-excluded matters

 

In-Office Legal Services Network Attorney Non-Network Attorney
Consumer Protection
Representation in a legal dispute about written or implied contracts or obligations for the acquisition, lease or use of financing of goods or services, including consumer debt collection defense
Legal services prior to filed lawsuit Paid in full $240*
Legal services after lawsuit filed Paid in full $1,800**
Small Claims Court Small Claims Court Exclusion does not apply to this coverage
Coverage for advice and counseling in a small claims matter if you are sued in small claims court or court of limited jurisdiction
Advice and counseling in the filing and presentation of a claim as the plaintiff Paid in full $120*
Advice and counseling in the filing and presentation of a claim as the defendant when an attorney cannot be present Paid in full $120*
Advice and counseling in the filing and presentation of a claim as the defendant when an attorney can be present Paid in full $240*
Name Change
Advice and court representation
Paid in full $240*
Dissolution, Divorce, Separation and/or Annulment
Representation of the employee only. No dependent coverage is available for this benefit
Uncontested Paid in full $840*
Contested Paid-in-full up to 15 hours and the Network Attorney will balance bill you at a contracted rate $840*
Court Adoption
Legal services to become adoptive parents
Uncontested Paid in full $300*
Contested Paid in full $1,500**
Guardianship/Conservatorship
Representation in the establishment of a guardianship or conservatorship
Uncontested Paid in full $300*
Contested Paid in full $1,500**
IRS Collection Defense
Representation when you receive notice while you are covered under the plan and is regarding your personal federal income tax return
Legal Services, including advice, negotiation, and office work prior to or without trial representation Paid in full $1,800*
Court representation at trial as a defendant Paid in full $1,200**
IRS Audit Protection
Representation in IRS Audit(s) when you receive notice while you are covered under the plan and is regarding your personal federal income tax return
Advice, consultation, and negotiation Paid in full $420*
Representation at audit Paid in full $900*
Criminal Misdemeanor Defense except those involving motorized vehicles
Defense against criminal misdemeanor charges
Legal services prior to trial Paid in full $400*
Court representation at trial Paid in full $1,200**
General Driving Privilege Protection Without DWI (Limited to 1x per year)
Coverage for defense against traffic violations, which will not result in suspension or revocation of your driver’s license.
This benefit is limited to one use per family per certificate year and excludes DWI.
Representation at administrative hearings and court representation Paid in full $200*
Defense of traffic violations excluding DWI
Defense of traffic charges that can result in license suspension or revocation
Legal services prior to trial Paid in full $400*
Court representation at trial Paid in full $1,200**
Traffic Administrative Hearing excluding DWI
Representation in administrative hearings involving the suspension or revocation of your driving privileges and/or involving the reinstatement of your driving privileges
Representation at administrative hearings and court representation. Paid in full $240*
Juvenile Court Proceedings involving an insured child
Defense of juvenile delinquency charges excluding traffic matters
Representation at administrative hearings and court representation

Paid in full

$600*

Parental Responsibilities involving an insured child
Defense against juvenile delinquency proceedings in juvenile court regarding your parental responsibilities excluding traffic matters
Representation at administrative hearings and court representation Paid in full $600*
Property Transfers — Primary Residence
Sale of your primary residence Paid in full $360*
Purchase of your primary residence Paid in full $360*
Document Preparation
Preparation of the following documents: deeds, mortgages, promissory notes, affidavits, lease contracts (lessee only), consumer credit and/or installment sale contracts Paid in full $60 per document/contract

Property Protection — Primary Residence

  • Legal disputes about contracts or obligations for purchase, sale or financing of your primary residence.
  • Legal disputes with neighbors about property rights related to your primary residence or legal disputes about property titles for such property.
  • Legal disputes with your landlord about your rights as tenant of your primary residence, including eviction defense.
  • Legal disputes about contracts or obligations for the transfer of your personal property or legal disputes about your personal property rights.
Legal services prior to filed lawsuit Paid in full $240*
Legal services after filed lawsuit Paid in full $1,800**
Standard Will
Preparation of standard will(s), which may include a simple testamentary support trust for children
Individual Paid in full $125
Husband and Wife Paid in full $150
Complex Wills
Preparation of will(s) with other than ordinary trust provisions
Individual Paid in full $125
Husband and Wife Paid in full $150
Codicil — Amendment to a will
Individual Paid in full $40
Husband and Wife Paid in full $60
Living Will
Individual Paid in full $35
Husband and Wife Paid in full $50
Power of Attorney
Advice and preparation Paid in full $90
Major Trial for covered legal matters
Begins on the 4th day of trial Paid in full $100,000***

*   Reimbursement is made at a $60 per hour rate up to stated amount
** Reimbursement is made at a $60 per hour rate up to stated amount and trial indemnity benefits of $1,200 for up to 3 days of trial is included in this amount ($200 per half day of trial time)

***Reimbursement starting on the fourth day of trial ($400 per half day of trial time) 

Financial and Tax Planning Services

Personal Financial Counseling
The telephone financial counseling service includes toll-free confidential telephone access to an experienced financial planner, planning information, analysis tools and resources. Services cover a broad range of financial and consumer needs, such as buying vs. leasing a car, budgeting tips, selecting a checking account, managing credit card debt, etc.

If you need more information, you may ask for various detailed reports. Personalized financial planning reports include the following financial topics: investment for retirement, asset allocation, and college funding.


 Paid in full

Interactive Financial Website
Via your online Plan Member Service Center, you will have access to an interactive financial website that includes calculators, a library of content, planning resources and much more.

 
Paid in full