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 network 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.
Open Enrollment for the Retiree Group Legal Services Insurance Plan will start September 21 and end October 16. During Open Enrollment eligible retirees can enroll in the Plan and current participants can change their plan coverage, and add or delete eligible dependents. If you're already enrolled in the Plan as a retiree, you do not need to re-enroll, as coverage continues automatically.
Eligible retirees will receive enrollment packets prior to September 21. If you don't receive a packet, please contact ARAG at (800) 511-4007.
Premiums will remain the same in 2021.
Open Enrollment transactions will have a January 1, 2021, effective date.
Eligible state retirees can enroll online by visiting ARAGlegal.com/socretiree and selecting the “Choose Retirement Plan", “View Plans", and “Enroll Now" tabs to enroll.
To enroll by phone, please contact ARAG Customer Care:
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)
To enroll by mail or fax, complete the Group Legal Retiree Enrollment Authorization Form 200686 and mail or fax it to ARAG Insurance. Please retain a copy for your records.
Mail or fax completed forms to ARAG Insurance at:
ARAG Insurance Company 500 Grand Avenue Suite 100 De Moines, IA 50309-9958 Fax: (515) 246-8816
For more information, please contact Grouplegal@calhr.ca.gov.
Prior to retiring, your personnel office should provide you an enrollment packet if you wish to continue the Group Legal Services Insurance Plan into retirement. If you do not receive a packet, contact ARAG at (800) 511-4007 to request an enrollment packet. Follow the directions in your enrollment packet to enroll.
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 retiree Plan within 60 days of retiring for your benefits to continue. Your membership will not automatically continue into retirement.
To enroll or change your coverage due to a permitting event (e.g., marriage, divorce, legal separation, child losing eligibility due to age or marriage, death of a spouse or child, primary member leaving state service, or a new domestic partner certification), you must submit an enrollment form within 60 days of the event.
To enroll or make changes by phone, please contact ARAG Customer Care:
To enroll or make changes by mail or fax, complete the Group Legal Retiree Enrollment Authorization Form 200686 and mail or fax it to ARAG Insurance. Please retain a copy for your records.
For more information, please contact Grouplegal@calhr.ca.gov
You may cancel your plan at any time by logging onto ARAGlegal.com/socretiree.
To cancel by phone, please contact ARAG Customer Care:
To cancel by mail or fax, complete the Group Legal Retiree Enrollment Authorization Form 200686 and mail or fax it to ARAG Insurance. Please retain a copy for your records.
It is your responsibility to inform ARAG Insurance of changes with your dependents or divorces.
The state has a Mandatory Deletion when an eligible dependent child marries or reaches age 26 (whichever is sooner) as they are no longer eligible for coverage under the insured retiree's plan. The retiree must complete a new enrollment form if they wish to change to individual coverage when the dependent child loses eligibility.
For legal separations, a deletion of the spouse cannot be done in anticipation of a pending or active divorce action or pending final divorce settlement. When the divorce is finalized, the retiree must complete a new enrollment form to change their coverage to individual unless you have eligible dependent children on the Plan.
Enrolled retirees who fail to initiate a mandatory deletion within 60 days of the permitting event date will not be reimbursed for the overpayment of premium nor will the carrier provide coverage for family members who no longer meet the eligibility requirement for dependents.
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 by logging into your account at ARAGlegal.com/account.
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 the number of calls or the length of the calls). These attorneys can also assist members 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 cannot use the Plan for phone consultation regarding a grievance they have filed against the state). Telephone consultation service is available Monday - Friday from 9:00 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 in-office advice, representation, or preventive services.
There are certain legal services that are specifically excluded from coverage in the Plan. Some of these services are as follows:
The monthly premium is $10.19 for individual coverage and $17.74 for family coverage which covers you, your spouse or registered domestic partner, and any eligible dependent children.
Group Legal Retiree Enrollment Authorization Form 200686
ARAG Insurance Company500 Grand Avenue Suite 100De Moines, IA 50309-9958
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)
For more information, please contact Grouplegal@calhr.ca.gov
*"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.