Voluntary Benefits Plans: Legal

The Legal Plan, offered through ARAG, helps address common situations like creating wills, transferring property or buying a home as well as more complex issues. Benefits include the following:

• 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.

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.

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

The premium is $9.80 per paycheck as shown below.

2023 Legal Plan Premium

• 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.

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

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.