Legal Plan

Exclusions and Limitations 

Your Group Legal Plan will not pay for: 

  • Legal services for matters against ARAG Group or the Plan Sponsor.
  • Legal services arising out of your profession, business interests, investment interests, workers’ or unemployment compensation, occupation or relocation required by an employer and/or involving patents or copyrights.
  • Legal services for the benefit of a non-covered person, or legal services for other than the named insured against the interests of another insured under the same Certificate.
  • Costs related to title insurance, title search, title abstracting and any costs other than attorney fees.
  • Legal representation in class actions, interventions or court appeal proceedings.
  • Legal representation deemed by ARAG to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules. 

TELEPHONE LEGAL SERVICES
Telephone legal services only may be obtained for the following excluded matters: 

  • Legal disputes involving insurance contracts or related to structural damage(s), noise, visual or other intangible hindrances arising out of or affecting real estate property.
  • Legal disputes arising out of the inheritance law or involving contracts related to family law matters.
  • Court representation in any court action which is or can be brought in Small Claims Court or in a similar court limited jurisdiction.
  • Legal services which are eligible to be paid by another party, allowed to be paid by law, involving punitive damage(s) claims or other matters normally handled by contingency fee. 

REDUCED FEE NETWORK ATTORNEY EXCLUSIONS
The Reduced Fee Network Attorney benefit (see "Non-covered Matters" under How Your Group Legal Plan Works) does not cover the following matters: 

  • Legal services for matters against ARAG Group or the Plan Sponsor.
  • Legal services arising out of your profession, business matters, occupation, employment, workers’ or unemployment compensation, occupation or relocation required by an employer, patents or copyrights.
  • Legal representation deemed by the providing attorney to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules.
  • Immigration matters (refer to the Covered Legal Services charts for covered immigration services).          

NOT A CONTRACT
The information provided in this section of your handbook is provided for illustrative purposes only and is not a contract. Only the insurance policy can give actual terms, coverages, amounts, conditions, and exclusions.