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 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 legal plan, you can face your problems with more confidence using the resources 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 2018 open enrollment will be March 1 through April 30, 2018. 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.
In addition to the new coverages available, plan changes for 2018 also include:
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, 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:
You should refer to the Plan Flyer for a more detailed description of the covered services.
The Plan 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., PST.
For matters that are not specifically excluded, the plan provides four hours annually that can be used for advice or preventive in-office services.
There are certain legal services that are specifically excluded from coverage in the Plan. Some of these services are as follows:
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 to get 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., PST.Toll-free 866-762-0972TTY 800-383-4184 (or 711 to reach a relay operator)ARAG - Enter Access Code: 10202soc (Active Employees)
*Average attorney rates in California of $362 per hour for attorneys with 11 to 15 years of experience. The Survey of Law Firm Economics: 2017 Edition, The National Law Journal and ALM Legal Intelligence, October 2017.**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. 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.