Arag Prepaid Legal Plan

Certain legal services are explicitly excluded from the plan`s coverage. Some of these services are: Conversion option. Employees who leave the public service can continue to receive legal coverage by switching to ARAG`s conversion plan by paying directly to ARAG, the provider of the legal regime. Employees who retire can enroll in the state pension plan, which offers the same benefits at the same prices. For more information on both options, call ARAG at 866-762-0972. If your case is not fully covered and is not listed under “Exclusions” in your plan document, you are eligible to receive the reduced fees and work with a local network lawyer who provides legal services at a reduced rate of at least 25% of the network lawyer`s normal hourly rate. Below are examples of prepaid legal insurers. You may also want to know if a group benefits plan is offered by your employer as an employee benefit. **Eligibility, scope, limitations and exclusions are governed by a separate cover document.

For more information, see the Identity Theft Plan Summary. Limitations and exclusions apply. Depending on a state`s regulations, ARAG`s legal expenses insurance can be considered an insurance product or service product. Insurance products are underwritten by ARAG Insurance Company in Des Moines, Iowa, GuideOne Mutual Insurance Company in West Des Moines, Iowa, or GuideOneĀ® Specialty Mutual Insurance Company in West Des Moines, Iowa. The service products are provided by ARAG Services, LLC. This material is provided for information purposes only and is not a contract. For conditions, benefits or exclusions, call (866) 762-0972. The Group Legal Services Insurance Plan is a voluntary employee-paid plan that provides comprehensive legal coverage. It is designed to meet the most common personal legal needs of a person and their family. Covered services include: An open registration period takes place in March and April. During open enrollment, eligible employees can register, and currently registered employees can change their plan coverage options to add or remove dependents. Legal services that we consider frivolous or unfounded, or in the case of lawsuits in which you are the plaintiff and the amount we pay for your legal services exceeds the amount in dispute or, in our reasonable opinion, you are not actively and reasonably seeking a solution to your case.

Managing legal issues can be very confusing, time-consuming, and expensive, especially considering that attorney fees in the U.S. average $368* per hour. As an employee with the state`s group legal plan, you can approach your problems with the resources and services at your disposal with the plan with more confidence. The Group Legal Services Insurance Plan (Plan) is an important part of the state benefits package, as it connects you with lawyers and other legal resources to help you solve life`s legal problems. Note: Telephone consultation cannot be used for legal matters that are specifically excluded from the plan (e.g., the employee could not use the plan for a telephone consultation in relation to a complaint they had filed against the crown). Telephone consultation service is available Monday to Friday from 5:00 a.m. to 5 p.m. Pacific Time. You can cancel your plan at any time directly with ARAG Insurance by: The plan also offers a convenient toll-free number (866-762-0972) that gives access to a telephone network lawyer for legal advice on most personal legal matters (no limit on the number of calls or the duration of calls). These lawyers can also help you prepare and revise a simple will and other personal legal documents. The plan is a voluntary plan paid by employees and premiums are paid through monthly payroll deductions. The monthly premium is $10.19 for individual coverage and $17.74 for family insurance to cover you and your spouse/life partner (with power of attorney).

Learning Centre: Employees can access an online collection of educational articles, information guides and short videos that provide useful tips on current legal and financial issues. ARAG North America 480 Capital Square, 400 Locust Street Des Moines, IA 50309 Phone: (515) 246-1200 (800) 888-4184 www.ARAGlegal.com For a more detailed description of the services covered, see the plan flyer. The plan pays 100% of the network`s attorney`s fees for most of the issues covered. Once you`ve signed up for the plan: * “The Law Firm Economic Survey: 2018 Edition.” The National Law Journal and ALM Legal Intelligence, October 2018. Newly hired and newly eligible employees can enroll in the plan within the first 60 days of their employment. For matters that are not expressly excluded, the plan provides for four hours per year, which can be used for consultation or prevention services in the office. New this year is that employees can now register directly with ARAG by logging online, submitting a completed registration authorization form, or calling ARAG Customer Service. The open registration period takes place in March and April of each year to give eligible employees the opportunity to enroll in the plan. Reduction of contingency fees.

The lawyers of the network represent you in the context of a contingency fee agreement. The fees paid to the lawyer are based on the success of your case and represent a percentage of the amount of money awarded. The employee is responsible for paying the fee. Covered services under the plan include, but are not limited to: Employees and retirees who are already enrolled do not need to log in again during open enrollment to continue their current coverage. Legal services arising from a business interest, investment interests, employment matters, benefits, your role as an officer or director of an organization, and patents or copyrights. Legalshield P. O. Box 145 Ada, OK 74820 Phone: (800) 654-7757; (580) 436-1234 www.LegalShield.com If the worker submits a form, it must be sent to ARAG Versicherung by mail or fax before the end of the 60-day claim period. If you are an active employee of the eligible state, use this form: Employees can cancel coverage at any time of the year. For more information about the plan or registration, please visit the ARAG website or contact ARAG for more information. ARAG Customer Service: Monday to Friday, 5:00 a.m. to 5:00 p.m.

Pacific Time.Toll-free 866-762-0972 TTY 800-383-4184 (or 711 to reach a relay operator) The effective date of employee coverage begins on the first day of the month following the first premium deduction. You must register with the group`s legal registration authorization form 200635 and return the form to your department`s human resources office.

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