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Group Legal Services Insurance Plan

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 an employee with the state's Group Legal Plan, you can face your problems with more confidence using the resources and services available to you with the Plan.

Open Enrollment is March 1 - April 30

An open enrollment period is conducted in March and April. During open enrollment, eligible employees may enroll and employees currently enrolled may change their plan coverage options to add or delete dependents.

Employees and retirees already enrolled are not required to re-enroll during open enrollment in order to continue their current coverage.

Employees can cancel coverage any time throughout the year.

Enrollment for Newly Hired and Newly Eligible

Newly hired and newly eligible employees may enroll in the Plan within the first 60 days of employment.

Effective Date of Coverage

The employee’s effective date of coverage will begin on the first day of the month, following the first premium deduction.

  • If the Online Enrollment application is processed by the 10th day of the calendar month, the insurance will become effective on the first day of the next calendar month.
  • If the Online Enrollment application is processed after the 10th day of the calendar month, the insurance will become effective on the first day of the second calendar month.

If the employee submits a form, the form must be mailed or faxed to ARAG Insurance by the close of the 60-day eligibility period.

*Do not mail forms to the State Controller's Office.

Changes for 2020

Plan Information

  • Now offering online enrollment for active state employees
  • Enrollment authorization form 200550 for active state employees (rev. 1/2020)
  • New enrollment authorization form 200635 for “Other” employees - Permanent Intermediate, Temporary Authorization, Limited Term and Direct Pay Agencies (rev. 1/2020)


How to Enroll

Eligible state employees can enroll online by visiting ARAG’s website and select “View Plans” and “Enroll Now ” tab to enroll.
If you do not wish to enroll online, you can complete the enrollment authorization form and mail or fax to ARAG Insurance.

Direct Pay Agencies – Cal Expo, Cal Fairs, and LAO

 You must enroll using the Group Legal Other Enrollment Authorization Form 200635 and return the form to your Department Personnel Office.

How to Cancel

You may cancel your plan at any time directly with ARAG Insurance by:

  • Phone: (866) 762-0972
  • Mail: Complete an enrollment authorization form and mail to ARAG or
  • Fax: (515) 246-8816 

Monthly premium rates

  • Individual Coverage - $10.19
  • Family/Registered Domestic Partner Coverage - $17.74

Retiree Group Legal Services Insurance Plan

We also offer a Retiree Group Legal Services Insurance Plan.  For more information click here

General Information

Covered Services

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:

100% Paid-in-Full Network Attorney Fees for Most Covered Matters, including Coverage for in-office Advice, Representation and Consultation


The Plan pays 100% 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 work 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.
  • You 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:

  • Will and trust preparation
  • Domestic matters (divorce, child support, custody, visitation, alimony, adoption)
  • Minor traffic offenses
  • Bankruptcy proceedings
  • Consumer protection
  • Defense of criminal misdemeanors
  • Debt collection
  • Buying or selling a home

  • Single-Bureau Credit Monitoring 
  • Child Identity Monitoring
  • Internet Surveillance
  • Identity Theft Insurance (up to $1 million**)
  • Full-Service Identity Restoration
  • Lost Wallet Services
  • Change of Address Monitoring

Refer to the Plan Flyer for a more detailed description of the covered services.

Toll-free Telephone Legal Advice

The Plan also provides a convenient toll-free number (866-762-0972) that provides 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 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.

Preventive Legal Services

For matters that are not specifically excluded, the Plan provides four hours annually that can be used for advice or preventive in-office services.

Other Legal Services

  • DIY Docs®.  This is an online document creation tool with more than 350+ legally valid documents, including state-specific templates like wills, powers of attorney, and more.
  • 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 employee is responsible for paying any costs.

  • Learning Center: Employees 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. Employees leaving state service can continue legal coverage by converting to ARAG’s conversion plan, by direct payment to ARAG, the legal plan provider. Employees who are retiring can enroll in the state’s Retiree Plan which offers the same benefits for the same prices. For more information on either option, 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:

  1. Matters against us, the policyholder or an insured against the interests of the named insured under the same Certificate.
  2. 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.

  3. 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).

  4. 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.

Premium Rates

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, and their spouse/domestic partner (with power of attorney).


New this year, employees can now enroll directly with ARAG by either enrolling online, mailing a completed enrollment authorization form, or calling ARAG Customer Care. 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..

Enrollment Forms

If you are an eligible active state employee, use this form:

If you are an employee classified as Permanent Intermittent, Limited Term, TAU, or an employee of California Exposition & State Fairs, California Fair Services Authority or Legislative Analyst’s Office, use this form:

Contact Information

For more information about the Plan, or how to enroll, go to the ARAG website, or contact ARAG for more information.
ARAG Customer Service:
Monday-Friday, 5:00 a.m. - 5:00 p.m., Pacific Time.
Toll-free 866-762-0972
TTY 800-383-4184 (or 711 to reach a relay operator)

*"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.

  Updated: 2/19/2020
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