2023 New Voluntary Benefits Plans

 Information Sessions

Pending approval, we are pleased to offer two new voluntary benefits in 2023:

  • Legal Assistance, through ARAG​
  • Identity Protection, through Allstate Identity Protection (AIP)

We will continue to offer the Accident, Hospital and Critical Illness voluntary benefits plans. Our goal is to provide a variety of options to cover our employees’ differing needs. The benefits are 100% employee-paid.

The time period to enroll in voluntary benefits was during Annual Enrollment from November 1 to 15, 2022.

What is the Legal Plan?

The Legal Plan, offered through ARAG, covers a wide range of legal needs to help you address life’s situations. Legal insurance is a benefit for the expected and unexpected times in your life. It helps address common situations like creating wills, transferring property or buying a home as well as more complex issues.

What are the benefits?

  • Work with a network attorney and the attorney fees are 100% paid in full for most covered matters.
  • Access a nationwide network of more than 15,000 attorneys who average 20 years of experience.
  • Address your covered legal situations with a network attorney who is only a phone call away for legal help and representation.
  • Use DIY Docs to create a variety of legally valid documents, including state specific templates.

Who is covered under the Legal Plan?

The Legal Plan covers you, your children, your spouse/domestic partner, and extended family (your parents, grandparents and parents-in-law). Children are covered until age 30, whether married or unmarried.

What does the Legal Plan cover?

The Legal Plan covers a broad range of coverage and services, for example: 

  • Wills and estate planning
  • Real estate and home ownership
  • Traffic tickets and license suspension
  • Disputes with a landlord
  • Family law matters
  • Small claims court
  • Consumer fraud
  • Personal property disputes
  • Student loan debt
  • Bankruptcy
  • Tax audit
  • Divorce
  • Criminal matters
  • And more

How much does the Legal Plan cost?

The premium is $9.80 per paycheck as shown below.

2023 Legal Plan Premium

Coverage Level Bi-weekly Premium
Employee and extended family (including parents, grandparents and parents-in-law) $9.80

How does the Legal Plan work?

  • When you have a legal need, you can go online, use the ARAG Legal app or call Customer Care.
  • Next, you’ll answer a few questions to confirm coverage and receive a list of local attorneys who can help you.
  • Then, you will meet with a network attorney over the phone, virtually or in person.

What can the network attorney do for me?

Network attorneys are available to answer your legal questions in person, virtually or over the phone for your immediate needs. The network attorney can:

  • Review or prepare documents
  • Make follow-up calls or write letters on your behalf
  • Advise you on legal issues
  • Represent you – including if you go to court

What services are covered for my extended family (parents, grandparents, and parents-in-law)?

The following services are available not only to you, but also to your parents, grandparents and parents-in-law.

Document Preparation – Legal services for the preparation of:

  • Deeds
  • Mortgages
  • Promissory notes
  • Affidavits
  • Lease contracts
  • Demand letters
  • Installment contracts
  • Bill of sale
  • HIPAA authorization
  • Certification of Trust

Document Review – Legal services to review personal legal documents.

Will & Durable Power of Attorney – Preparation of the documents listed below:

  • Standard or complex will
  • Codicil
  • Living will/healthcare directives
  • Durable/financial power of attorney

Annual Legal Check Up – Meet with an attorney on an annual basis to discuss legal needs and discuss any changes in your situation and potential legal implications. This service is limited to one use per certificate year.

Reduced Fee Benefits – Work with network attorneys via telephone to help navigate legal matters and identify which actions may be taken. Should a parent/grandparent/parent-in-law need legal representation, they can use a network attorney at a reduced rate of at least 25% off the network attorney’s normal hourly rate.

What if I have more questions?

Identity Protection

What is the Identity Protection Plan?

Through Allstate Identity Protection, you get comprehensive identity monitoring, cyber features, and fraud resolution to help protect your and your family against today’s digital threats. This is total protection for your family’s digital lives, from a brand you can trust. The plan protects you from the trail you leave behind from online activity, financial transactions, and social media.

  • See and control your personal data with the unique Allstate Digital Footprint tool
  • Monitor social media accounts for questionable content and signs of account takeover
  • View and manage alerts in real-time
  • Catch fraud at its earliest sign with a tri-bureau credit report and score

Allstate Identity Protection Pro+ Cyber Plan delivers comprehensive fraud monitoring and mobile cybersecurity.

What does the Identity Protection Plan include?

Protect yourself and your family with services including:

  • Identity and credit monitoring
  • High-risk transaction monitoring
  • Dark web monitoring
  • Data breach notifications
  • Social media account takeover monitoring
  • Remediation of pre-existing conditions at no additional cost
  • Elder fraud care resources and specialized support for older family members
  • Full service, U.S.-based remediation support
  • Up to $1 million identity theft expense reimbursement

Who is covered under the Identity Protection Plan?

This plan covers you and/or your family depending on the coverage level you select. Family coverage includes any person who lives with you (sometimes referred to as “under roof”) or is financially dependent on you (“under wallet”) regardless of age.

How much does the Identity Protection Plan cost?

The premium is $3.46 or $6.23 per paycheck as shown below. Please note the definition of family in the previous FAQ.

2023 Identity Protection Plan Premiums

Coverage Level Bi-weekly Premium
Employee Only $3.46
Employee and Family $6.23

What if I have questions?