The state offers a Retiree Group Legal Services Insurance Plan (Plan) to all eligible employees who retire from state service and current retirees and annuitants. The Retiree Group Legal Services Insurance Plan is an important part of the state's benefits package because it connects you with attorneys and other legal resources to help you resolve your legal problems. Chances are at one time or another, you may need an attorney. However, legal problems can be very confusing and costly. When they come unexpectedly, they can present a huge financial burden, not to mention the time you spend searching for just the right lawyer. California attorneys can cost $362* or more per hour. As a member of the state's retiree legal plan, you can face your problems with more confidence using the resources available to you with your legal insurance plan.
When you retire your personnel office should give you an enrollment packet for the Plan. If you do not receive a packet you can contact ARAG at 800-511-4007. You will have 60 days to elect to enroll. If you do not enroll upon retirement, you have to wait until the next open enrollment period.
If you are enrolled in the Plan for active employees your membership will not automatically continue into retirement. You must enroll in the retiree Plan for your benefits to continue.
An open enrollment period is conducted in March and April of each year. The 2018 open enrollment will be March 1 through April 30, 2018. Eligible retirees will receive enrollment packets at their home during this time. If you don’t receive a packet, please contact ARAG at 800-511-4007.
The monthly premium rates will remain the same.
The Plan was updated this year to provide even more legal protection — at the same affordable rate — with the addition of these valuable new coverages:
In addition to the new coverages available, plan changes for 2018 also include:
After enrolling, be sure to sign up for identity theft monitoring services at ARAGLegalCenter.com by logging in as a member
The Retiree Group Legal Services Insurance Plan is a voluntary, retiree-paid plan that provides comprehensive legal coverage. It is designed to meet the most common personal legal needs of an individual and their family. Covered services include:
The Plan pays 100 percent of Network Attorney fees for most covered matters. Once you have enrolled in the Plan, you'll receive a welcome kit containing information on how to access resources and Network Attorneys. If you need to consult with an attorney in the office, you have access to hundreds of California attorneys who belong to the ARAG attorney network. Network Attorney fees for most covered matters are paid in full unless the plan indicates the covered matter is subject to an hourly limit. The Plan does not provide coverage for certain costs such as filing fees, reporters' fees, expert witness fees and other related expenses. Plan members also have the flexibility of using an attorney who is not part of the network. In this case, if the matter is covered by the Plan, you would file a claim for the attorney fees you paid and be reimbursed up to the amount specified in the Plan. The Plan's covered services include, but are not limited to:
The Plan provides a convenient toll-free number (800-511-4007) that gives the plan member access to a Telephone Network Attorney for legal advice on most personal legal issues (no limitation imposed on number of calls or length of calls).. These attorneys can also assist the member with preparing and reviewing a simple will and other personal legal documents. Note: Telephone consultation cannot be used for legal matters that are specifically excluded from the Plan (e.g., the plan member could not use the plan for phone consultation regarding a grievance he/she had filed against the state). Telephone consultation service is available Monday - Friday from 5:00 a.m. - 5:00 p.m., PST.
Reduced-Fee Legal Services. If your matter is not fully covered and is not listed under “exclusions” in your plan document, you are eligible to receive the Reduced Fee Benefit and work with a local Network Attorney who will provide legal services at a rate reduced by at least 25 percent off the network attorney’s normal hourly rate.
Reduced Contingency Fees. Network Attorneys can represent you under a contingency fee arrangement. The fee paid to the attorney is based on the success of your case and is a percentage of the amount of money awarded. The plan member is responsible for paying any costs. Law Guide. The online Law Guide is a library of information that provides comprehensive overviews of the most common legal issues — to help you become a better-informed legal consumer.
Online Document Library. DIY Docs® lets you create your own state-specific legal documents online. This is a step-by-step interactive document creation tool with more than 350+ legally valid documents, including state specific templates for wills, power of attorney and more.
There are certain legal services that are specifically excluded from coverage in the plan. Some of these services are as follows: