The Group Legal Services Insurance Plan (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 life's legal issues.
Managing legal matters can be very confusing, time-consuming and costly, especially when you consider that attorney fees in the U.S. average $368* per hour. As a member of the state's legal plan, you can face your problems with more confidence using the resources and services available to you with your legal insurance plan.
You have 60 days from your effective date of eligibility/hire to enroll in the Plan or you may enroll during open enrollment.
An open enrollment period is conducted in March and April of each year to provide eligible employees with an opportunity to enroll in the Plan. The 2019 open enrollment will be March 1 through April 30, 2019. During open enrollment, eligible employees can enroll in the Plan and current members can change their coverage from single to family, family to single, and add/delete eligible dependents. If you're already in the Plan you don't need to re-enroll; your coverage continues automatically. Members may cancel their membership at any time.
We also offer a Retiree Group Legal Services Insurance Plan. For more information
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 an individual and their family. Covered services include:
The Plan pays 100% of network attorney fees for most covered matters. Once you have enrolled in the Plan:
The Plan's covered services include, but are not limited to:
Refer to the Plan Flyer for a more detailed description of the covered services.
The Plan also provides a convenient toll-free number (866) 762-0972 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 employee 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., Pacific time.
For matters that are not specifically excluded, the Plan provides four hours annually that can be used for advice or preventive in-office services.
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 of the network attorney's normal hourly rate.
Reduced Contingency Fees. Network attorneys will 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.
Learning Center: Members can access an online collection of educational articles, informational guidebooks and short videos that provide helpful tips regarding timely legal and financial topics.
Conversion Option. Plan members leaving state service can continue legal coverage by converting to ARAG's conversion plan, by direct payment to ARAG, the legal plan provider. Plan members who are retiring can enroll in the state's Retiree Plan which offers the same benefits for the same prices. For more information call ARAG at (866)762-0972
There are certain legal services that are specifically excluded from coverage in the Plan. Some of these services are as follows:
Legal services arising out of a business interest, investment interests, employment matters, employee benefits, your role as an officer or director of an organization, and patents or copyrights.
Legal services in class actions, punitive damages, malpractice, court appeals or post judgments (settlement agreement signed by all parties, final binding arbitration, judgment issued by a court).
Legal services deemed by us to be frivolous or lacking merit, or in actions where you are the plaintiff and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.
The Plan is a voluntary employee-paid plan and premiums are paid through monthly payroll deductions. The monthly premium is $10.19 for individual coverage and $17.74 for family coverage to cover you, your spouse or registered domestic partner, and any eligible dependent children.
The open enrollment period is conducted in March and April of each year to provide eligible employees with an opportunity to enroll in the Plan.
During open enrollment, eligible employees can enroll in the Plan and current participants can add or delete dependents. You don't need to re-enroll if you're already in the Plan; your coverage continues automatically. Enrollees may cancel membership at any time.
If you would like further information about the Plan, go to the ARAG website (www.ARAGLegalCenter.com) enter access code 10202soc, or contact ARAG for more information.ARAG Customer Service:Monday-Friday, 5:00 a.m. - 5:00 p.m., Pacific timeToll-free (866) 762-0972TTY (800) 383-4184 (or 711 to reach a relay operator)ARAG - Enter Access Code: 10202soc (Active Employees)
*"The Survey of Law Firm Economics: 2018 Edition." The National Law Journal and ALM Legal Intelligence, October 2018.
**Eligibility, coverage, limitations and exclusions are governed by a separate coverage document. Please see the identity theft plan summary for details. Limitations and exclusions apply. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract.
For terms, benefits or exclusions, call (866) 762-0972.