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Retiree Group Legal Services Insurance Plan

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 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 Retiree Group Legal Services Insurance Plan, you can face your problems with more confidence using the resources and services available to you.


When you retire, your personnel office should give you an enrollment packet for the Plan. If you do not receive a packet, contact your department’s personnel office to complete and submit your enrollment form. Or, you can contact ARAG at (800) 511-4007 to request an enrollment packet. Upon retiring, you will have 60 days to elect to enroll. If you do not enroll upon retirement, you must wait until the next open enrollment period to enroll.

If you are enrolled in the Plan as an active employee, you must enroll in the Plan for your benefits to continue.  Your membership will not automatically continue into retirement.

Open Enrollment for the Retiree Group Legal Services Insurance Plan is scheduled annually in the Fall.

An open enrollment period is conducted in the Fall of each year. The 2020 open enrollment will be September 9 to October 4, 2019.  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. 

Reminders for 2020

The monthly premium rates will remain the same. 

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

General Information

Covered Services

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:

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

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 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, court 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 an indemnity 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, separation, annulment)
  • Bankruptcy proceedings
  • Consumer protection
  • Defense of criminal misdemeanors
  • Debt collection
  • Buying or selling a home

The Plan also includes Identity Theft Protection, which encompasses the following services:

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

After  enrolling, be sure to sign up for identity theft monitoring services at by logging in as a member:

  • You can either create an ARAG account or log in to your existing account if you created one as an employee.
  • Then go to “Identity Theft Protection” to create a secure account for you and any eligible adults/children.

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 (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., Pacific time.

Preventive Legal Services

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

Other Legal Services

  • DIY Docs®: This is an online document creation tool with more than 350+ legally valid documents, including state specific templates for 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 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.

  • 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.


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.


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 the Fall of each year to provide eligible retirees with an opportunity to enroll in the Plan.

During open enrollment, eligible retirees 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 Retiree Plan; your coverage continues automatically. Enrollees may cancel membership at any time.


Enrollment Forms

Contact Information

If you would like to get further information about the Plan, go to the ARAG website ( enter access code 17642ret), or contact ARAG for more information.
ARAG Customer Service
Monday-Friday, 5:00 a.m. - 5:00 p.m., Pacific time
Toll-free (800) 511-4007
TTY (800) 383-4184 (or 711 to reach a relay operator)
ARAG  - Enter Access Code: 17642ret (Retirees)

*"The Survey of Law Firm Economics: 2018 Edition." The National Law Journal and ALM Legal Intelligence, October 2018.

 ** The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Please see the plan summary document 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 (800) 511-4007.

  Updated: 2/19/2019
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