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:
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Paid in full |
Online Legal Services | Payment |
You will receive access to:
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Paid in full |
Immigration Services | Payment |
You will receive toll-free access to an Immigration Case Manager who will:
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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:
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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:
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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 |
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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 |
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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 |
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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 |
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Uncontested | Paid in full | $300* |
Contested | Paid in full | $1,500** |
Guardianship/Conservatorship Representation in the establishment of a guardianship or conservatorship |
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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 |
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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 |
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Advice, consultation, and negotiation | Paid in full | $420* |
Representation at audit | Paid in full | $900* |
Criminal Misdemeanor Defense except thoseinvolving motorized vehicles Defense against criminal misdemeanor charges |
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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. |
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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 |
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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 |
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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 |
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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 |
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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
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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 |
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Individual | Paid in full | $125 |
Husband and Wife | Paid in full | $150 |
Complex Wills Preparation of will(s) with other than ordinary trust provisions |
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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 |
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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. |
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