Legal Plan
 

Filing Your Claim

You do not need to file a claim when you use a network attorney for covered in-office legal services. Your network attorney will file your claim for you. 

WHEN TO FILE A CLAIM
You must file a claim if: 

  • you use a non-network attorney for a covered in-office legal service; or
  • you use a reduced fee network attorney for a legal service that:

CLAIM FILING DEADLINE
If you use a non-network attorney for a covered legal service: 

  • you must notify the Claim Administrator within 60 days of contacting the non-network attorney; and
  • you must file your claim within 120 days of the date that you incur an expense for the service. 

The above deadlines also apply if you use a reduced fee network attorney for a service that is not listed as a covered legal service (and is not excluded by the plan). 

CLAIM FILING PROCEDURE
You should follow these steps if you are required to file a plan claim:

Step 1: Obtain a claim form from the Claim Administrator.

Step 2: Complete the claim form and return it along with your attorney’s billing statement to the Claim Administrator.

Note: Your claim must be filed with the Claim Administrator within 120 days of the date that you incur the expense. 

The Claim Administrator’s address is: 

ARAG Group
400 Locust Street, Suite 480
Des Moines, IA 50309 

You can contact the Claim Administrator at 1-800-247-4184 if you have any questions concerning the plan’s claim filing procedure, or need assistance in filing your claim.

DENIED CLAIMS
You can appeal a denied claim. The claim appeal procedures are described in the Administrative Information section of your handbook.