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.
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.
The monthly premium rates will remain the same.
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:
The Plan's covered services include, but are not limited to:
After enrolling, be sure to sign up for identity theft monitoring services at ARAGLegalCenter.com by logging in as a member:
Refer to the Plan Flyer for a more detailed description of the covered services.
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.
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:
Matters against us, the policyholder or an insured against the interests of the named insured under the same Certificate.
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 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.
*"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.