The ARAG® Legal Insurance Plan

Plan Booklet
University of California
Effective Date: January 1, 2022

© 2022 ARAG North America, Inc. Page 1 of 45 Rev 9/21 200162

The ARAG Legal Insurance Plan

This booklet describes the benefits included in The ARAG

Legal Insurance Plan including the available service and
insurance benefits. Final interpretation of any described
benefit is governed by the group insurance contract.

The benefits described in this booklet are available under

the group insurance contract when you are an eligible
Employee/Retiree and have elected to participate, and have
retained your participation in accordance with the terms and
conditions of the group insurance contract.

This booklet replaces any older booklets issued to you.

Except when otherwise indicated by the context of this

booklet, any masculine terminology herein will also include
the feminine, and the definitions of any terms in the singular
also include the plural.

© 2022 ARAG North America, Inc. Page 2 of 45 Rev 9/21 200162

Contents

Table of Contents

Section I: University of California Eligibility and Enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 4

A. Eligibility
B. Enrollment

Section II: The ARAG Legal Insurance Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 4

A. Benefits under The ARAG Legal Insurance Plan Consist of Three Parts
Part I ‑ Legal Representation
Part II ‑ Telephone Legal Advice and Consultation
Part III ‑ Additional Benefits
- Online Tools and Resources
- Tax Services
- Services for Parents and Grandparents
- Identity Theft Protection
- Reduced Fee Benefit for Non-Covered Matters
- Reduced Contingency Fee
B. Pre-existing Conditions
C. Freedom of Choice of an Attorney
D. Confidentiality
E. Reimbursement of Legal Fees
F. Eligible Charges
G. Extension of Benefits
H. Conversion

Section III: Schedule of Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 7

A. Benefits
B. Exclusions and Limitations

Section IV. Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 35

Section V. Grievance Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 37

Section VI. How To Use The ARAG Legal Insurance Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 38

A. Customer Care
B. Telephone Legal Advice and Consultation
C. Legal Representation
D. Filing Your Indemnity Claim
E. Additional Services

Section VII. Coordination of Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 43

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Section I and Section II

Section I Section II
UNIVERSITY OF CALIFORNIA ELIGIBILITY, The ARAG Legal Insurance Plan
ENROLLMENT, TERMINATION AND PLAN
ADMINISTRATION PROVISIONS A. Benefits Under The ARAG Legal Insurance Plan
January 1, 2022 Consist of Three Parts
The University establishes its own legal plan eligibility, The person must be an Insured when each service is furnished.
enrollment and termination criteria based on the University
of California Group Insurance Regulations and any Part I – Legal Representation
corresponding Administrative Supplements.
Attorney’s Fees for most covered (and not excluded)
A. Eligibility services are 100% paid-in-full when using a network
attorney. Or use a non-network attorney and be reimbursed
Employees up to the non-network attorney benefit. For a detailed
For eligibility and enrollment information, go to UCnet description of services and what the benefits are, see
https://ucnet.universityofcalifornia.edu/compensation-and- Section III. There is a maximum reimbursement amount
benefits/eligibility/index.html. (see “List of Benefits”). Not all charges are eligible and some
charges are eligible only to a limited extent.
Retirees
There is also a Conversion Plan that may apply after
For eligibility and enrollment information, go to UCnet
a person ceases to be covered under The ARAG Legal
https://ucnet.universityofcalifornia.edu/compensation-and-
Insurance Plan (see conversion).
benefits/eligibility/index.html.
Part II – Telephone Legal Advice and Consultation
B. Enrollment
This part of the plan provides services to Insureds through a
Employees
Telephone network attorney. There is no network attorney
For eligibility and enrollment information, go to UCnet
Fee for these services. The preventive legal services
https://ucnet.universityofcalifornia.edu/compensation-and-
provided by the Telephone network attorney are those
benefits/eligibility/index.html.
contained in the List of Benefits that involve the Insured’s
Retirees legal affairs, and are not services that involve a visit to an
For eligibility and enrollment information, go to UCnet Attorney’s office or are otherwise not covered. The services
https://ucnet.universityofcalifornia.edu/compensation-and- described will be provided to an Insured at the discretion of
benefits/eligibility/index.html. the Telephone network attorney. The Telephone network
attorney will not charge an Insured for these services.
Telephone Legal Advice and Consultation are not available
for matters outside the jurisdiction of the United States.

Part III ‑Additional Benefits

Online Legal Tools and Resources

This part of the plan provides Insureds the opportunity to
receive services online. There is no additional fee for these
services.

Services for Parents and Grandparents

This part of the benefit offers access to network attorneys
and other professionals who can help find caregiving
options for your parents or grandparents. You talk with an
Eldercare Advocate who can:

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Section II
The ARAG Legal Insurance Plan
• Assess your parent’s or grandparent’s eldercare needs license, Social Security cards, etc. - due to lost or stolen
(e.g. cooking, cleaning, medications, transportation, home wallet or identity documents.
health, assisted-living and nursing home facilities), answer
• Identity Theft Insurance: Should you become a victim
questions, provide information and resources, and help
of identity theft, Identity Theft Insurance provides
develop care plans.
coverage up to $1 million for expenses associated with
• Send a personalized information guide with a list of
restoring your identity. (Eligibility, coverage, limitations
assisted living facilities, nursing home or healthcare
agencies, including comparative quality-of-care ratings and exclusions are governed by a separate Master
and reports on thousands of facilities and agencies. Policy. Please see the Identity Theft Plan Summary for
• Search for available assisted living facilities, nursing details.)
homes, home healthcare agencies and adult day care In order to use the following services, you will need to log in
providers and their rates, then negotiate discounts for and establish an online monitoring account.
facilities when available.
• Single-Bureau Credit Monitoring: Services designated
Your parents/grandparents will also have access to a
to track and inform you of any activities or changes to
network attorney for legal advice on elder law issues (e.g.,
your credit - including loan applications, credit card
Medicare/Social Security benefits, estate planning, real
activations, delinquencies, etc.
estate). They can also meet with a network attorney once a
• Internet Surveillance: Service that monitors thousands
year for an annual legal check-up.
of websites and millions of data points, alerting you if
Tax Services your personal information is found being bought or sold
This part of the plan provides you with year-round access to online.
experienced tax specialists. You can call toll-free for a one-
• Child Identity Monitoring: Service that monitors your
on-one consultation if you have questions or need advice
minor child’s personal information and Social Security
regarding your personal, non-business related tax matters.
number for activity on the dark web. It also monitors a
You’ll also benefit from discounted personal tax return
minor child’s Social Security number to identify credit
preparation services.
information associated with his or her identity.
Identity Theft Protection
• Change of Address Monitoring: Alerts you if a change of
A service that gives you access to:
address request has been submitted to the U.S. Postal
• Identity Theft Materials, including: Service for your address.
- An Identity Theft Prevention Kit to help protect
yourself from becoming a victim. Reduced Fee Benefit for Non-Covered Matters
This part of the plan offers reduced fees of at least 25% off
- An Identity Theft Victim Action Kit to help speed your
the network attorney’s normal hourly rate, for services not
recovery should you become a victim of identity theft.
covered and not excluded. The initial consultation for each
- A tracking document to help you keep track of phone
legal matter will be provided at no cost. If you retained the
calls, e-mails and letters for attorneys.
services of a network attorney prior to the effective date of
- An Identity Theft Affidavit to help you report your your legal insurance membership, the reduced fee benefit is
identity theft to necessary parties. not available.
• Identity Theft Case Specialists who will help you
determine appropriate steps to begin recovery and Reduced Contingency Fee
monitor the progress. This part of the plan provides caps on the percentage of
any settlement arrangements on contingency fee cases.
• Full-Service Identity Restoration: Identity Theft
Fees for network attorneys will not exceed 25% of the net
Restoration Specialists provide full-service identity
recovery if successfully resolved before trial, or will not
restoration services, including specialized limited
exceed 33% of the net recovery if successfully resolved
power of attorney to work on your behalf to restore
after trial, or will not exceed 40% of the net recovery if
your identity.
• Lost Wallet Services: Identity Theft Restoration
Specialists assist you in canceling and reissuing
personal documents such as credit cards, driver’s
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Section II
The ARAG Legal Insurance Plan
successfully resolved on or after an appeal. The initial see the indemnity reimbursement amounts shown in
consultation for each legal matter will be provided at no the Schedule of Benefits in Section III.
cost. If you retained the services of a network attorney prior • Only one Benefit shall be payable for all legal services
to the effective date of your legal insurance membership, arising out of a single cause of action or event resulting
the reduced fee benefit is not available. in the need for the legal services. ARAG will decide
which Benefit shall be payable.
B. Pre-Existing Conditions
If a court awards Attorney fees to an Insured in connection
Any legal matter that occurs or is initiated prior to the with covered Benefits, ARAG may require the Insured to
effective date of an Insured will be considered excluded and assign all rights of recovery of the legal fees to the extent
no benefits will apply. ARAG defines this as an event covered of the payment that was made by them. If an assignment is
by this policy whose initiation date will be considered sought, an Insured must cooperate with ARAG.
the earlier of the date (a) written notice of a legal dispute F. Eligible Charges
is sent or filed by you or received by you; or (b) a ticket
or citation is issued; or (c) an attorney is hired. If your A charge is an eligible charge if all these conditions are met:
matter is considered pre-existing, paid-in-full office visit or • It is for a covered legal service furnished to an Insured
representation coverage is not available; however, as long as while the plan is in effect;
the matter is not listed under “Exclusions” in the plan, you • The service involves an Insured’s personal legal matters
are able to receive advice from a network attorney under and is contained in the List of Benefits; and
the telephone legal access services benefit. You can also • The person is an Insured when the service is furnished.
receive a reduced fee benefit of at least 25% off the network
G. Extension of Benefits
attorney’s normal hourly rate if you have not previously
hired an attorney. If coverage for you or one of your covered dependents is
terminated, your legal services coverage (except Telephone
C. Freedom of Choice of an Attorney Legal Advice and Consultation) will be extended to cover
legal services in progress prior to the date the coverage
An Insured may choose any Attorney to provide Legal
terminated until the services are completed.
Representation. Except for the provisions of the Benefits
and the requirement of information for claim processing, H. Conversion
neither ARAG nor the University of California will interfere
To receive UltimateAdvisor Conversion Plan information and
with the Insured’s Attorney. The Attorney’s obligation will
to enroll online, visit www.ARAGLegal.com/conversion.
be only with and to the Insured. If an Insured chooses to
use a Non-Network Attorney the Non-Network Attorney Or
indemnity benefit schedule will apply.
Call an ARAG Customer Care Specialist toll-free at
D. Confidentiality 800-828-1395 (TTD 800-383-4184) to request plan
information and enrollment materials.
An Insured is assured full confidentiality with respect to
calls and problems discussed with any Service Provider Complete and sign the Enrollment Form, (and a blank
or Attorney with respect to claims submitted for Legal voided check or required savings account information if
Representation under The ARAG Legal Insurance Plan. choosing the bank draft option), and mail to: ARAG, ATTN:
Eligibility, 500 Grand Avenue, Suite 100, Des Moines, IA
E. Reimbursement of Legal Fees 50309 or fax to 515-246-8816.
The Benefit amount payable for legal services furnished to an
Insured is the amount of the eligible charges for those legal ARAG must receive these materials – which include
services, but not more than these limits. arrangements for premium payment within 90 days of the
disqualifying event.
• For Legal Representation by a network attorney, see the
limits determined from the Schedule of Benefits list of
legal services in Section III.
• For Legal Representation by a Non-Network Attorney,

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Section III
Schedule of Benefits
Only matters expressly listed are covered benefits and are paid as indicated below.
Note: You must have family participation in order for your
If the named insured purchased only individual coverage, legal services rendered to persons other than
eligible dependents to utilize
the named the Schedule
insured are not of Benefits.
covered.

A. Benefits

The Schedule of Benefits applies to an Insured when the

How to Obtain In-Office Legal Services and Court Representation
Schedule of Benefits specifically states that Benefit. It
includes only Benefits included in the list. However, if the
law of jurisdiction
You may where the Benefit
choose is furnished
a Network Attorneyuses legal
or Non-Network Attorney as follows:
terms that differ from those in the list provided, ARAG will
determine Network
the equivalent Benefit
Attorney from the list provided.
Services
There are Network Attorneys throughout your state. To obtain a list of Network Attorneys you can:
The benefit year is a 12-month period based on a calendar
1. may
year. A Benefit Callbe
800-247-4184
furnished forand
morea Customer Service Specialist will assist you by:
than one insured
in a Family Unit with respect to the same event or cause of
● Describing how the plan benefits work and what types of situations are covered.
action resulting in the need for that Benefit. In that case,
● Providing you a listing of Network Attorneys specific to your need.
only one Benefit●willProviding
be considered
a Caseto have been furnished.
Confirmation Number that outlines your coverage.

If a Non-Network Attorney
2. Visit our Webis used, theARAGlegal.com
site at amounts payable
and log on as a member and search using the Attorney Finder.
under that Benefit may be up to the limits on the following
schedule. Simply call an attorney for an appointment. When you call, identify yourself as a member of your group's
legal plan. If you have a Case Confirmation Number, you should provide it to the Network Attorney. If not,
the Network Attorney may call us to confirm your coverage and then proceed to provide services. If you
choose a Network Attorney to provide covered legal services, the Network Attorney will bill us directly for
his/her attorney fees.

Non-Network Attorney Services

If you choose a Non-Network Attorney, we will pay your attorney fees for covered legal services
according to the Non-Network Attorney indemnity benefits schedule. Instructions for submitting a claim
are printed on the claim form. For a form, call 800-247-4184. Or you can download a form from our Web site
at ARAGlegal.com.

Non-Network Attorney
Network Attorney (Indemnity Benefit)

Annual Accounting - Guardianship/

Conservatorship
Legal services for an insured in required PAID IN FULL $ 160*
annual accounting court proceeding(s)
regarding guardianship/conservatorship.

Uncontested Adoption
1
Legal services in an uncontested PAID IN FULL $ 400*
adoption for an insured to become an
adoptive parent(s).

1
In international adoptions, where a
foreign attorney is necessary, you
are eligible to receive indemnity
reimbursement in addition to the benefits
available in the United States.

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Contested Adoption
1
Legal services in a contested adoption PAID IN FULL $ 800*
for an insured to become an adoptive
parent(s).

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

1
In international adoptions, where a
foreign attorney is necessary, you
are eligible to receive indemnity
reimbursement in addition to the benefits
available in the United States

Building Codes
Legal services for an insured in an PAID IN FULL $ 400*
administrative action for permit or code
violations relating to the renovation and/
or improvement of your existing primary
residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Defense of Civil Damage Claims

Legal services for an insured in defense PAID IN FULL $ 800*
against civil damage(s) claims, except
claims involving the ownership or use
of a motorized vehicle, claims which are
covered by other insurance, or claims
related to a felony charge.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Credit Records Correction

Legal services for an insured PAID IN FULL $ 160*
related to correcting inaccuracies or
misrepresentations on your credit record.

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Criminal Misdemeanor Defense

Legal services for an insured in the PAID IN FULL $ 720*
defense against criminal misdemeanor
charges, except those involving motorized
vehicles and domestic violence charges.
If the charge is escalated to a felony,
coverage will cease as of the date of the
escalation. If a felony charge is reduced or
pled down to a misdemeanor no coverage
applies.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Uncontested Divorce
Legal services for the named insured PAID IN FULL $ 640*
in an uncontested divorce, a legal
separation and/or an annulment of
marriage.

Contested Divorce - 25 hours

Legal services for the named insured in PAID IN FULL $ 2,000*
a contested divorce, a legal separation (up to 25 hours per
and/or an annulment of marriage. insured event)

Driving Privilege Protection

Legal services for an insured in the PAID IN FULL $ 480*
defense of a traffic offense where
conviction of the offense will directly result
in the suspension or revocation of your
driving privileges.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Easement
Legal services for an insured in an PAID IN FULL $ 400*
administrative action regarding an
easement on your primary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Estate Administration & Estate Closing

(Probate) - 9 hours
Legal services for an insured in PAID IN FULL $ 720*
administering an estate where you have (up to 9 hours per
been named the executor. insured event)

Expungement
Legal services for an insured for the PAID IN FULL $ 240*
expungement of your criminal record.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Foreclosure
Legal services for an insured regarding PAID IN FULL $ 480*
written notice of a foreclosure related to
your primary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Defense of Garnishment
Legal services for an insured in a legal PAID IN FULL $ 480*
dispute for a garnishment against you
to collect judgment related to goods or
services.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

(Exclusion #3 as it relates to post judgment

garnishment is waived for this benefit.)

Uncontested Guardianship/Conservatorship
Legal services in an uncontested PAID IN FULL $ 480*
Guardianship/Conservatorship for an
insured to appoint or be appointed as a
Guardian/Conservator.

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Contested Guardianship/Conservatorship
Legal services in a contested PAID IN FULL $ 720*
Guardianship/Conservatorship for an
insured to appoint or be appointed as a
Guardian/Conservator.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Habeas Corpus Proceedings

Legal services for an insured in habeas PAID IN FULL $ 480*
corpus proceedings.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Mental Incompetency or Infirmity

Proceedings
Legal services for an insured in defense PAID IN FULL $ 960*
of mental incompetency or infirmity
proceedings.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Protection of Inheritance Rights - 6 hours

Legal services for an insured claiming PAID IN FULL $ 480*
the right to inherit from or assert a claim (up to 6 hours per
against a deceased person’s estate. insured event)

Minor Traffic - Broad (excluding DWI-

related)
Legal services for an insured in the PAID IN FULL $ 240*
defense of a traffic offense, the conviction
of which would not result in suspension
or revocation of your driving privileges.
(Does not include driving while impaired or
under the influence of drugs or alcohol or
any non-moving offense.)

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Neighbor Disputes
Legal services for an insured with PAID IN FULL $ 720*
a neighbor as a plaintiff or defendant
in a dispute related to your primary
residence, including boundary or property
title disputes.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

General In Office Services - 6 hours

General in office legal services. 6 hours $ 480*

(This benefit is limited to six hours per

family per certificate year.)

Parental Responsibilities
Legal services for an insured in juvenile PAID IN FULL $ 480*
court proceedings (except those involving
traffic matters) where a state has brought
an action regarding your parental
responsibilities for an insured child.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Personal Property Protection

Legal services for an insured as a PAID IN FULL $ 320*
plaintiff or defendant regarding contracts
or obligations for the transfer of your
personal property or your personal
property rights.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Postnuptial Agreements
Legal services for the named insured PAID IN FULL $ 320*
for the preparation of a postnuptial
agreement.

Prenuptial Agreements
Legal services for an insured for the PAID IN FULL $ 320*
preparation of a premarital or antenuptial
agreement.

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Refinancing - Primary Residence

Advice and review of relevant documents PAID IN FULL $ 160*
regarding refinancing of your primary
residence.

Property Tax - Primary Residence

Legal services for an insured in an PAID IN FULL $ 400*
administrative action brought by you to
reduce the property tax assessment on
your primary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Purchase of Real Estate

Legal services for an insured for the PAID IN FULL $ 320*
purchase of your primary residence for
the review and preparation of documents
including contract for purchase and
attendance at closing.

Real Estate Disputes

Legal services for an insured as PAID IN FULL $ 1,200*
a plaintiff or defendant in a dispute
regarding contracts or obligations for the
construction, purchase or sale of your
primary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Real Estate Disputes - Secondary Residence

Legal services for an insured as PAID IN FULL $ 1,200*
a plaintiff or defendant in a dispute
regarding contracts or obligations for the
construction, purchase or sale of your
secondary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Residential Contractor Disputes

Legal services for an insured for written, PAID IN FULL $ 800*
verbal or implied contracts or obligations
for the renovation and/or improvement of
your existing primary residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Sale of Real Estate

Legal services for an insured for the sale PAID IN FULL $ 320*
of your primary residence for the review
and preparation of documents including
the contract for sale and attendance at
closing.

Tenant Matters
Legal services for an insured as a PAID IN FULL $ 320*
plaintiff or defendant with your landlord
as tenant of your primary residence,
including but not limited to, eviction and
security deposit disputes.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Irrevocable Trusts
Legal services for an insured for the PAID IN FULL $ 320* single document
preparation of a stand-alone irrevocable
trust. $ 400* spousal documents

Revocable Living Trusts

Legal services for an insured for the PAID IN FULL $ 320* single document
preparation of a stand-alone revocable
trust. $ 400* spousal documents

10

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Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Wills & Durable Power of Attorney

Individual will or spousal will(s). (Does not PAID IN FULL $ 320 single document
include any tax planning services done in
connection with the will.) $ 400 spousal documents

Codicil (an amendment to a will) PAID IN FULL $ 40 single document

$ 80 spousal documents

Living Will / Health Care Directive PAID IN FULL $ 40 single document

$ 80 spousal documents

Durable / Financial Power of Attorney PAID IN FULL $ 40 single document

$ 80 spousal documents

Zoning and Variances

Legal services for an insured in an PAID IN FULL $ 400*
administrative action related to a zoning
change, variance, or an eminent domain
proceeding involving your primary
residence.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Child Custody/Child Support Agreement

Legal services for an insured for the
creation of an initial child custody, child
support, or visitation agreements. This
benefit does not include the modification
of current agreements.

Child custody / visitation PAID IN FULL $ 960*

Child support PAID IN FULL $ 640*

Construction Loan - Primary Residence

Legal services for an insured for the PAID IN FULL $ 420*
preparation and review of a construction
loan related to building your primary
residence.

Construction Loan - Secondary Residence

Legal services for an insured for the PAID IN FULL $ 420*
preparation and review of a construction
loan related to building your secondary
residence.

11

© 2022 ARAG North America, Inc. Page 15 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Executor Appointment
Legal services for an insured to be PAID IN FULL $ 720*
appointed executor of an estate, where no
valid will exists.

Guardianship/Conservatorship Dispute
Legal services for an insured in a PAID IN FULL $ 720*
legal dispute related to your role as a
Guardian/Conservator.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Home Equity Loan - Primary Residence

Legal services for an insured for the PAID IN FULL $ 160*
preparation and review of home equity
loans for your primary residence.

Home Equity Loan - Secondary Residence

Legal services for an insured for the PAID IN FULL $ 160*
preparation and review of home equity
loans for your secondary residence.

Land Purchase - Primary Residence

Legal services for an insured for the PAID IN FULL $ 320*
purchase of land that you intend to build
your primary residence for the review
and preparation of documents including
the contract for sale and attendance at
closing.

Refinancing - Secondary Residence

Advice and review of relevant documents PAID IN FULL $ 160*
regarding refinancing of your secondary
residence.

Document Review
Legal services for an insured for the PAID IN FULL $ 40 per document
review of your personal legal documents.

Protection from Domestic Violence - Named

Insured
Legal services for the named PAID IN FULL $ 320*
insured to obtain a protective order
related to domestic violence.

12

© 2022 ARAG North America, Inc. Page 16 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Protection from Domestic Violence - Insured

Legal services for an insured to obtain PAID IN FULL $ 320*
a protective order related to domestic
violence when the opposing party is not
an insured under the same Certificate.

Mechanic's Lien
Legal services for an insured to remove PAID IN FULL $ 480*
a mechanic's lien.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Student Loan Debt Collection

Legal services for an insured as the PAID IN FULL $ 480*
defendant in a legal dispute related to
your student loan.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Bankruptcy
Legal services for an insured up to and PAID IN FULL $ 880*
including filing of a Chapter 7 bankruptcy
final report.

Legal services for an insured up to and PAID IN FULL $ 1,200*

including confirmation of a Chapter 13
bankruptcy. This benefit does not include
the ongoing maintenance of a Chapter 13
repayment plan.

Legal services for an insured to file an PAID IN FULL $ 240*

amendment/modification to a Chapter
7 post-discharge or a Chapter 13 post-
confirmation bankruptcy.

Consumer Protection - Defendant

Legal services for an insured as a PAID IN FULL $ 800*
defendant regarding written contracts or
warranties relating to consumer goods or
services, (excluding residential contractor
and insurance disputes).

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion
13

© 2022 ARAG North America, Inc. Page 17 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Consumer Protection - Plaintiff

Legal services for an insured as a PAID IN FULL $ 800*
plaintiff regarding written contracts or
warranties relating to consumer goods or
services, (excluding residential contractor
and insurance disputes).

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Defense of Debt Collection

Legal services for an insured as the PAID IN FULL $ 480*
defendant in a legal dispute related to
consumer goods or services (excluding
foreclosure, garnishment, mechanic's lien
and student loan debt collection).

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Insurance Disputes
Legal services for an insured as a PAID IN FULL $ 800*
plaintiff or defendant relating to disputes
with your insurance carrier.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

IRS Collection Defense

Legal services for an insured in defense PAID IN FULL $ 480*
against collection actions by the Internal
Revenue Service (IRS) related to errors
on your personal tax return where the
initial written notice is received after your
effective date. This benefit does not
include collection actions related to your
failure to file a personal tax return or your
failure to pay the taxes your filed personal
tax return indicated you owed.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

14

© 2022 ARAG North America, Inc. Page 18 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

IRS Audit Protection

Legal services for an insured involving PAID IN FULL $ 480*
Internal Revenue Service (IRS) audits
related to your personal tax return where
the initial written notice is received after
your effective date. This benefit does
not include audits related to your failure
to file a personal tax return or your failure
to pay the taxes your filed personal tax
return indicated you owed.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Purchase/Sale of Secondary Residence

Legal services for an insured for the PAID IN FULL $ 320*
purchase or sale of your secondary
residence for the review and preparation
of documents including the contract
for purchase or sale and attendance at
closing.

School Administrative Hearings

Legal services for an insured in an PAID IN FULL $ 480*
administrative public or private formal
school proceeding regarding disabilities,
special education and student policy
violations.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

15

© 2022 ARAG North America, Inc. Page 19 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Small Claims Court

Legal services for an insured to bring PAID IN FULL $ 320*
a claim in Small Claims Court (or similar
court of limited civil jurisdiction). This
benefit does not include representation in
court.

Legal services for an insured to defend PAID IN FULL $ 400*

an action in Small Claims Court (or similar
court of limited civil jurisdiction) including
representation in court where allowed by
law.

(Exclusion #4 as it relates specifically

to plaintiff matters does not apply to this
benefit)

State and Local Tax Collection Defense

Legal services for an insured in defense PAID IN FULL $ 480*
against collection actions by state and/
or local tax authority related to errors on
your personal state tax return or personal
local taxes where the initial written notice
is received after your effective date. This
benefit does not include collection actions
related to your failure to file a personal
tax return or your failure to pay the taxes
your filed personal tax return indicated
you owed.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

State and Local Tax Audit

Legal services for an insured involving PAID IN FULL $ 480*
state and/or local tax authority audits
related to your personal state tax return
or personal local taxes where the initial
written notice is received after your
effective date. This benefit does not
include audits related to your failure to file
a personal tax return or your failure to pay
the taxes your filed personal tax return
indicated you owed.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion
16

© 2022 ARAG North America, Inc. Page 20 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Document Preparation
Legal services for an insured for PAID IN FULL $ 40 per document
the preparation of Deeds, Mortgages,
Promissory Notes, Affidavits, Lease
Contracts, Demand Letters, Installment
Contracts, Bill of Sale, HIPAA
Authorization and Certification of Trust.

Juvenile Court
Legal services for an insured child PAID IN FULL $ 480*
charged with a crime (except those
involving traffic matters or felony charges)
when the court proceedings are held in
juvenile court. If the matter is removed
from juvenile court, coverage under this
benefit will cease as of the date of the
removal.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

Domestic Partnership Agreements

Legal services for an insured for the PAID IN FULL $ 320*
preparation of a domestic partnership
agreement.

Annual Check Up for Parents and

Grandparents
Legal services for your parent and PAID IN FULL $ 80*
grandparent to meet with an attorney on
an annual basis. This annual meeting
is to discuss the legal needs of your
parent and grandparent and discuss any
changes in their situation and potential
legal implications.

This benefit is limited to one usage per

certificate year.

Funeral Directive
Legal services for an insured for the PAID IN FULL $ 40 per document
preparation of a funeral directive.

Gender Identifier Change

Legal services for an insured to change PAID IN FULL $ 240*
your gender identifier on government
issued documents.

17

© 2022 ARAG North America, Inc. Page 21 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Hospital Visitation Authorization

Legal services for an insured for PAID IN FULL $ 40 per document
the preparation of a hospital visitation
authorization.

Name Change
Legal services for an insured to legally PAID IN FULL $ 240*
change your name.

Child Support Enforcement

Legal services for an insured for a PAID IN FULL $ 640*
motion brought by you or against you to
enforce a final decree for child support.

(Exclusion #3 as it relates to post

judgment matters is not intended to
exclude child support matters.)

Driving Privilege Restoration (excluding

DWI-related)
Legal services for an insured in PAID IN FULL $ 240*
an administrative proceeding for the
restoration of suspended or revoked
driving privileges of an insured. (Does not
include driving while impaired or under the
influence of drugs or alcohol.)

Elder Law - Member Support

Initial advice for an insured on the impact PAID IN FULL $ 25
of your parent's/grandparent's personal
legal matter on you.

Legal services for an insured for the PAID IN FULL $ 40 per document
preparation and review of a deed granted
by a parent/grandparent where you are
the grantee.

Legal services for an insured for the PAID IN FULL $ 40 per document
preparation and review of a promissory
note where your parent/grandparent is the
payor and you are the payee.

Legal services for an insured for the PAID IN FULL $ 40 per document
review of your parent's/grandparent's
personal legal documents, including
estate planning documents where
you have been named as an agent or
executor/personal representative.

18

© 2022 ARAG North America, Inc. Page 22 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Alimony, Child Support, Child Custody and

Child Visitation Modification Defense
Legal services for an insured for a
motion brought against you to modify
a final decree for child support, child
custody, child visitation, or alimony.

Alimony PAID IN FULL $ 400*

Child Custody / Child Visitation PAID IN FULL $ 960*

Child Support PAID IN FULL $ 640*

(Exclusion #3 as it relates to post

judgment matters is not intended to
exclude child custody, child visitation, child
support and alimony matters.)

Alimony, Child Custody and Child Visitation

Enforcement
Legal services for an insured for a
motion brought by you or against you to
enforce a final decree for child custody,
child visitation, or alimony.

Alimony PAID IN FULL $ 400*

Child Custody / Child Visitation PAID IN FULL $ 960*

(Exclusion #3 as it relates to post

judgment matters is not intended to
exclude child custody, child visitation, and
alimony matters.)

Child Custody and Child Visitation

Modification
Legal services for an insured for a PAID IN FULL $ 960*
motion brought by you to modify a final
decree for child custody or child visitation.

(Exclusion #3 as it relates to post

judgment matters is not intended to
exclude child custody and child visitation
matters.)

19

© 2022 ARAG North America, Inc. Page 23 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
Non-Network Attorney
Network Attorney (Indemnity Benefit)

Alimony and Child Support Modification

Legal services for an insured for a
motion brought by you to modify a final
decree for child support or alimony.

Alimony PAID IN FULL $ 400*

Child Support PAID IN FULL $ 640*

(Exclusion #3 as it relates to post

judgment matters is not intended to
exclude child support and alimony
matters.)

Restraining/Protective Order - Named

Insured
Legal services for the named insured to PAID IN FULL $ 320*
obtain a restraining/protective order.

Restraining/Protective Order - Insured

Legal services for an insured to obtain PAID IN FULL $ 320*
a restraining/protective order when the
opposing party is not an insured under
the same Certificate.

Social Security/Veterans/Medicare
Legal services for an insured in an PAID IN FULL $ 400*
administrative legal dispute arising out
of Social Security, Veterans, Medicare or
Medicaid benefits.

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until PAID IN FULL $ 100,000***

completion

(Exclusion #2 as it relates to employment

matters for Veterans benefit is waived for
this benefit.)

* Non-Network Attorney Indemnity Benefits are up to the stated amount

** Trial Indemnity Benefits are ($300 per 1/2 day of Trial time) up to the stated amount

*** Trial Indemnity Benefits are ($400 per 1/2 day of Trial time) up to the stated amount

20

© 2022 ARAG North America, Inc. Page 24 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

CONDITIONS

Policy Period and Territory

This policy applies to insured events which occur worldwide while your Certificate of Insurance is in
effect. If an insured event occurs outside the United States indemnity benefits apply.

Any insured event which occurs prior to the effective date of an insured will be considered excluded and
no benefits will apply.

Eligibility

Each eligible person as described in the Declarations, who is registered with us, and for whom a premium is
paid, shall become an insured on the effective date.

Cancellation and Termination

Neither we nor the policyholder will cancel this policy during the term defined in the Declarations except
for fraud or for the failure to pay premium due. We will give you ten (10) days notice of cancellation for
nonpayment of premium and forty-five (45) days notice of cancellation for any other reason.

If the named insured ends employment or membership in the group to which this policy is issued (except
upon the named insured’s death), or the policy is canceled by the policyholder, your coverage will cease
at the end of the term for which premium has been paid.

Waiver of Premium

Upon the death of the named insured, coverage for the surviving spouse or domestic partner and the
insured dependents continues under the policy for one year, and we waive further premium payments
during this time. Coverage shall terminate prior to the end of the one year period if the policyholder cancels
the policy during that time frame, in such case, coverage shall cease as of the date the policyholder cancels
the policy.

Should a named insured be deployed for a period of more than thirty (30) consecutive days for the
purposes of military service or of responding to a declared national emergency, coverage for the spouse
or domestic partner and the insured dependents will continue, without the payment of premium, for the
length of the named insured’s absence and for so long as the named insured remains eligible for benefits
through the policyholder.

Conversion

You may continue insurance when you no longer qualify as an employee of the policyholder or as a
member of the group to which this policy is issued. You must notify us within ninety (90) days of this
disqualifying event to make arrangements for premium payment. Payment of premium is required from the
last date of your eligibility under this policy.

Coordination of Benefits

This policy coordinates benefits as defined in the National Association of Insurance Commissioners Model
Coordination of Benefits Provisions.
© 2022 ARAG North America, Inc. Page 25 of 45 Rev 9/21 200162
If you are entitled to receive legal services or reimbursement for legal services from any other person or
 through the policyholder.

Conversion

You may continue insurance when you no longer qualify as an employee of the policyholder or as a
member of the group to which this policy is issued. You must notify us within ninety (90) days of this
Section III event to make arrangements for premium payment. Payment of premium is required from the
disqualifying
Scheduleofof
last date your eligibility under this policy.
Benefits
Coordination of Benefits

This policy coordinates benefits as defined in the National Association of Insurance Commissioners Model
Coordination of Benefits Provisions.

If you are entitled to receive legal services or reimbursement for legal services from any other person or
organization, our coverage will be excess.

Payment by us for legal services under this policy does not preclude your attorney from seeking and
recovering attorney fees from an opposing party, where authorized by law, court rule or contract, at the
21
attorney’s usual and customary or prevailing rate. If you receive reimbursement of attorney’s fees, then you
will reimburse us for payments made under this policy.

Payment Limitations

You may not make claims under separate benefits for one legal matter.

Notice of Claim, Proof of Expense Incurred and Payment of Claim

You or your representative must submit a written notice of claim to us within one year after the insured
event. A claim form and itemized billing are required within one hundred eighty (180) days after legal
services for which you seek payment are completed.

You are responsible for verifying your legal matter is covered under your legal plan with us prior to receiving
legal services. You will be responsible for payment to the attorney at their usual and customary rate if your
matter is not covered.

You must give us all information we request with respect to the circumstances of an insured event or
service provided. We have the right to withhold benefits if the requested information is not provided to us.

Fraud or Abuse

We do not provide benefits for you if you have intentionally concealed or misrepresented any material fact
or circumstance or have made false statements or engaged in fraudulent conduct relating to your insurance.
We may discontinue your benefits if we deem that you are exhibiting hostile or abusive behavior towards
us, our employees and/or Network Attorneys.

Subrogation

We may require you to assign all rights of recovery of legal fees to the extent that payment is made by us. If
an assignment is sought, you must cooperate with us.

Relation of the Parties

You have the unrestricted right to choose an attorney. The attorney is not our agent or employed by us or
the policyholder. We and the policyholder shall at no time control or interfere with the performance of the
attorney and we do not guarantee the skill of the attorney. Any payment to a network attorney for legal
services is our responsibility up to your policy limits.

Grievances

If you have a problem with a Network Attorney in the handling of a legal matter covered under this
insurance policy, contact us for assistance in resolving your issue.

YouARAG
© 2022 have the
North right Inc.
America, to file a complaint with the StatePage
Bar about
26 of 45 your attorney at any time. Rev 9/21 200162
 We may require you to assign all rights of recovery of legal fees to the extent that payment is made by us. If
an assignment is sought, you must cooperate with us.

Relation of the Parties

You haveIII
Section the unrestricted right to choose an attorney. The attorney is not our agent or employed by us or
the policyholder. We and the policyholder shall at no time control or interfere with the performance of the
Schedule ofwe
attorney and Benefits
do not guarantee the skill of the attorney. Any payment to a network attorney for legal
services is our responsibility up to your policy limits.

Grievances

If you have a problem with a Network Attorney in the handling of a legal matter covered under this
insurance policy, contact us for assistance in resolving your issue.

You have the right to file a complaint with the State Bar about your attorney at any time.

EXCLUSIONS

We do not provide coverage for:

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.
22

3. Legal services in class actions, punitive damages, personal injury, 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.

© 2022 ARAG North America, Inc. Page 27 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

TERMS AND CONDITIONS

This plan may be amended or changed at any time by written agreement between the plan sponsor and us.

Any terms of this plan which are in conflict with any state or federal law are amended to conform to all
applicable federal or state regulations.

We do not provide services for you if you have intentionally concealed or misrepresented any material fact or
circumstance or have made false statements or engaged in fraudulent conduct relating to your membership
or the plan.

SERVICES

TELEPHONE LEGAL ACCESS SERVICES

We will pay the attorney fees of a Telephone Legal Access Law Firm as defined below for Telephone Legal
Access Services provided by a Telephone Legal Access Law Firm while your Certificate is in effect.

"Telephone Legal Access Law Firm" - means an independent law firm that has entered into a written
agreement with us to provide Telephone Legal Access Services to you within the territory of the United
States.

"Telephone Legal Access Services" - means the type of legal services which, within applicable standard
of professional care and conduct, may be rendered by the Telephone Legal Access Law Firm in one or
more telephone conversations with a client and which may be connected with other legal services based
on telecommunication which are specifically listed below.

You will receive:

● Toll-free telephone advice on how the law relates to your personal legal matter and which action may be
taken.

● Follow-up correspondence and telephone calls to third parties related to your personal legal matter.

● Specific document preparation and document review.

● You will receive legal assistance from the Telephone Legal Access Law Firm for the preparation or
review of a Standard Will or Codicils.

Standard Will means a will document without trust provisions other than a support trust for
dependent children limited to appointing a guardian and placing assets for dependent children until
they reach their age of majority.

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Section III
Schedule of Benefits
REDUCED FEE LEGAL SERVICES
If your legal matter is not fully covered under your insurance policy and is not listed under the “Exclusions”
in your Service Plan, you are eligible to work with a Network Attorney and receive a reduced fee that will
be at least 25% off the attorney’s normal hourly rate. The initial consultation for each legal matter will be
provided at no cost. If you retained the services of the Network Attorney prior to the effective date of your
legal insurance membership, the reduced fee benefit is not available. Payment of attorney fees is handled
directly between the plan member and the Network Attorney. Access to a Network Attorney is subject to
availability. You are encouraged to contact ARAG to determine proximity to a Network Attorney within legal
practice areas.

For matters that include a cap on the number of hours ARAG will pay a Network Attorney, and where your
legal matter will exceed the cap set, the Network Attorney will bill you directly at reduced rates of at least
25% off his or her normal rates for the remaining hours. You pay the attorney directly.

For Telephone Advice, if your matter cannot be resolved over the phone and is not fully covered under
your insurance policy and not excluded under the “Exclusions” in your Service Plan, you are eligible to
work with a Network Attorney and receive a reduced fee that will be at least 25% off the attorney’s normal
hourly rate. Payment of attorney fees is handled directly between the plan member and the Network
Attorney.

REDUCED CONTINGENCY FEES

If your legal matter is not covered under your insurance policy and is not listed under the "Exclusions"
in your Service Plan, you are eligible to work with a Network Attorney for a legal matter the Network
Attorney deems to be appropriately handled through the use of a contingency fee. The Network Attorney
will represent you under a contingent fee arrangement where the contingent fee will not exceed 25%
of the net recovery if successfully resolved before trial, or will not exceed 33% of the net recovery if
successfully resolved after trial, or will not exceed 40% of the net recovery is successfully resolved on or
after an appeal. The initial consultation for each legal matter will be provided at no cost. If you retained the
services of a Network Attorney prior to the effective date of your legal insurance membership, the reduced
contingency fee benefit is not available.

© 2022 ARAG North America, Inc. Page 29 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

IDENTITY THEFT PROTECTION

A service that gives you access to:

● Toll-free legal advice from a Telephone Network Attorney to assist with legal-related problems that the
theft of your identity may have caused.

● Identity Theft Materials, including:

● An Identity Theft Prevention Kit to help protect yourself from becoming a victim of identity theft in
the first place,

● An Identity Theft Victim Action Kit to help speed your recovery should you become an identity
theft victim,

● A tracking document to help you keep track of phone calls, e-mails and letters for attorneys,

● An Identity Theft Affidavit to help you report your identity theft to necessary parties.

● Identity Theft Specialists who will help you determine appropriate steps to begin recovery and help
you monitor the progress of your recovery.

● Full-Service Identity Restoration: Certified Identity Theft Restoration Specialist provide full-service
identity restoration services, including specialized limited Power of Attorney to work on your behalf to
restore your identity.

● Lost Wallet Services: Certified Identity Theft Restoration Specialist assist you in canceling and
reissuing personal documents such as credit cards, driver's license, Social Security Cards, etc. - due to
lost or stolen wallet or identity documents.

● Identity Theft Insurance: Should you become a victim of identity theft, Identity Theft Insurance
provides coverage up to $1 million for expenses associated with restoring your identity. (The Identity
Theft insurance is underwritten 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.)

In order to use the following services, you will need to log in and establish an online monitoring account.

● Single-Bureau Credit Monitoring: Services designated to track and immediately inform you of any
activities or changes to your credit - including loan applications, credit card activations, delinquencies,
etc.

● Internet Surveillance: Services that monitor thousands of websites and millions of online data points
and will alert you if your personal information is being traded and/or sold.

● Change of Address: Services that monitors address change requests with the United States Postal
Services.

● Child Monitoring: Services that enable parents or guardians to protect minor's information from identity
theft by registering and tracking their data. Social Security Number trace monitoring which will detect
the creation of a credit file in a minor's name.

© 2022 ARAG North America, Inc. Page 30 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

IMMIGRATION
A service that gives you toll-free access to Telephone Network Attorneys for:

● Legal advice and consultation

● Immigration processes and guidelines.
● Filing and processing of applications and petitions.
● Laws and regulations governing various types of immigration benefits; including asylum,
adjustment of status, business visas, and employment authorizations.
● Deportation and removal proceedings.
● Document review of any immigration forms
● Document preparation of affidavits and powers of attorney
● Preparation for immigration hearings

For additional immigration services, Network Attorneys provide a reduced rate of at least 25% off their
normal rates for any representation-based immigration services. Network Attorneys will bill the member
directly.

LEARNING CENTER
Learning Center – Access the Learning Center for an extensive online library of easy-to-read articles,
guidebooks and videos created to help you:

● Learn more about dealing with common legal and financial matters, like estate planning, identity theft
and consumer protection.

● Understand how the legal insurance plan works and the coverages, services and resources it
provides.

DIY DOCS®
Do-It-Yourself Legal Documents - Online access to documents authored and reviewed by attorneys for
accuracy and state-specific compliance in all 50 states. These documents can assist you with everyday
life, including issues involving:

● Automobiles ● Childcare
● Caregiving ● Residential Contractor
● Estate Administration ● Finances

Easy-to-Use Interactive Document Assembly Tool: Helps you efficiently create your own documents by
asking simple questions.

My Documents: Online document storage and 24/7 access to create, update, retrieve and print your
documents.

Legacy Planning: Create essential legal documents yourself with the help of DIY Docs, including:

● Financial Power of Attorney ● Living Will

● Health Care Power of Attorney ● Standard Will

© 2022 ARAG North America, Inc. Page 31 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

ADVICE FOR PARENTS AND GRANDPARENTS

Telephone access to obtain legal advice and consultation on how the law relates to your parents/
grandparents' legal matter and which actions may be taken.

CAREGIVING SERVICES
Reduced Fee Services - Should your parents/grandparents legal matter require legal representation,
Network Attorneys provide reduced fee services of at least 25% off their normal rate for most legal
matters. Payment of the attorney fees is handled directly between the parent/grandparent and the
Reduced Fee Network Attorney. Access to a Reduced Fee Network Attorney is subject to availability. You
are encouraged to contact ARAG to determine proximity to a Reduced Fee Network Attorney within legal
practice areas.

Caregiver Support Services - As a member, you have toll-free access to a Care Advocate, who will:

● Answer your eldercare-related questions, assess eldercare need and help you develop a care plan.

● Send you a customized information guide that contains lists of assisted living facilities, nursing
homes or home health care agencies - including comparative quality-of-care ratings and reports on
thousands of facilities and agencies - along with helpful eldercare information.

● Give you access to the nation's most comprehensive eldercare database with more than 90,000 long
term care providers.

● Conduct searches to determine the availability and rates of assisted living facilities, nursing homes,
home health care agencies and adult care providers. Advocate will negotiate discounts when
available.

Plus, you will have access to the ElderAnswers Website which provides you online access to quality-
of-care ratings and reports, direct access to the provider database, and a wide-range of eldercare
information.

Caregiving Guidebook - As a member, you have access to a "go-to" guidebook providing you with the
tools and resources needed to take a proactive approach in your caregiving role.

TAX SERVICES
This service provides you with year-round access to experienced tax specialist. You can call toll-free for
a one-on-one consultation if you have questions or need advice regarding your personal, non-business
related tax matters. Services include:

● Tips for state or federal filing of personal taxes

● Explanation of tax law changes
● Research on complex tax matters
● Advice regarding IRS Audits and notifications
● Review of last year's personal tax return
● Personal tax return preparation for only $50*

*There is a $50 cost for each tax preparation (federal or state). Tax preparation is limited to returns that include forms 1040, 1040A or
1040EZ including Schedule A (Itemized Deductions), Schedule B (Interest and Ordinary Dividends) and Schedule D (Capital Gains
and Losses). Returns with additional schedules shall be prepared and billed at a rate of $60 per hour.

© 2022 ARAG North America, Inc. Page 32 of 45 Rev 9/21 200162

Section III
Schedule of Benefits

EXCLUSIONS

The plan services do not include:

1. Matters against us, the named plan member or the plan sponsor.

2. Matters 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. Matters deemed by us to be frivolous or lacking merit.

4. Matters outside the jurisdiction of the United States of America.

© 2022 ARAG North America, Inc. Page 33 of 45 Rev 9/21 200162

Section III
Schedule of Benefits
B. Exclusions and Limitations

Insurance Benefits do not include any services or charges in

connection with any of the following:
1. Matters against ARAG, University of California 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, personal

injury, 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 ARAG 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.

Plan Services do not include:

1. Matters against ARAG, the named plan member or the
University of California.

2. Matters 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. Matters deemed by ARAG to be frivolous or lacking merit.

4. Matters outside the jurisdiction of the United States of

America.

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Section IV
Glossary
Amount in Dispute – The monetary amount that can Indemnity Benefits – Covered legal services which are
be calculated or proven in order to compensate you for reimbursed to the insured up to the benefit amount
incurred damage to or loss of your property. indicated under the specific coverage. The insured is
responsible for all legal services which may exceed the
Appeal – A legal proceeding to take a case to a higher court
amount paid by ARAG.
for rehearing.
Insured – The “Insured” is dictated by premium paid and as
ARAG Legal Insurance Plan – The name of your legal
indicated by coverages listed in the “Benefits” section, the
insurance plan underwritten by ARAG Insurance Company.
named insured only or the named insured and the named
Attorney Fee – The amount charged by an attorney for his insured’s spouse, or domestic partner (who is registered
or her time spent providing covered legal services. with ARAG) and/or eligible dependents as defined by
Class Action – An action in which one or more members of mutual agreement between the policyholder and ARAG.
a numerous class, having a common interest in the subject Insured Event – An event covered by this policy whose
of litigation, sue or defend on behalf of themselves and all initiation date will be considered the earlier of the date (a)
members. written notice of a legal dispute is sent or filed by you or
Certificate Year – Twelve (12) month period as listed on the received by you; or (b) a ticket or citation is issued; or (c) an
declarations page of the policy issued to the policyholder. attorney is hired.

Codicil – A supplement or amendment to a will. Legal Dispute – A disagreement between you and any other
party regarding your legal rights.
Consumer Protection Action – An action for the
enforcement of written or implied warranties or promises Legal Services – This is the time spent by your attorney and
relative to the lease or purchase of goods or services. their office staff for your covered legal matters which does
not include costs such as, but not limited to: filing fees, copy
Contested – An action in which any disputed issue must be costs, mileage, title insurance, expert witnesses, mediators,
negotiated by your attorney regardless of whether any legal home studies, transcriptionists, title searches, and title
forms are filed. abstracting.
Effective Date – The date on which the policyholder enrolls Living Trust – A trust established and in effect during the
the named insured and from which date premium has been lifetime of the grantor. Also called Inter Vivos Trust.
paid for you.
Living Will – A legal declaration, prepared in advance, which
Employer – The University of California. directs the course of health care decisions and treatment;
General In-Office Legal Services – Time spent by an may ensure your medical care decisions are respected and
attorney and their office staff for your legal issue that is not carried out when you are unable to express them.
otherwise covered or excluded under this plan and which Mediation Costs – Payment of a qualified mediator who
does not include costs such as, but not limited to: filing assists the insured and another party attempting to reach a
fees, copy costs, mileage, title insurance, expert witnesses, settlement regarding a covered legal matter.
mediator, home studies, transcriptionists, title search, and
title abstracting. Named Insured – Is the person enrolled via the policyholder
with ARAG as entitled to coverage under the terms of this
Goods – A physical product that is capable of being policy.Network Attorney – An Attorney with whom ARAG
delivered. Ownership of a good can be transferred from the has contracted to perform covered legal services in the
seller to the buyer. United States for an Insured.
Habeas Corpus – A writ of habeas corpus is a legal
document that forces law enforcement authorities to
produce a prisoner they are holding and to legally justify his
or her detention.

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Section IV
Glossary
Non-Moving Offense – Parking ticket, registration, United States for an Insured. For example, Identity Theft
equipment or other violations that aren’t handled in Protection is considered a service provider.
conjunction with a moving violation.
Standard Will – A will document without trust provisions
Non-Network Attorney – An Attorney who is not a network other than a support trust for dependent children limited
attorney, chosen by you to perform legal services covered to appointing a guardian and placing assets for dependent
under the indemnity benefits of this policy. children until they reach their age of majority.
Paid-in-full Benefits – A legal service covered by the ARAG Telephone Network Attorney – A telephone attorney
Legal Plan for which the fee for that legal service is fully with whom ARAG has contracted to perform covered legal
paid if a network attorney is used. services in the United States for you.
Petition – A formal written document addressed to a court Trial – The proceeding in court or in a covered
or judge which states facts and circumstances, and contains administrative proceeding when the parties try their case
a formal request for relief. beginning with the impaneling of a jury in a jury trial or
with opening statement if the parties are in a non-jury trial.
Personal Property – Property, which is not real estate
Trial does not include things such as hearings, appearances
property and which does not produce income.
on motions, negotiated pleas, pre-trial conferences, or
Policyholder – Means the organization named in the appearances, and continuances by the court.
declarations page.
Trust – A document established to commit or place
Primary Residence – The single dwelling where you property; (real or personal) in another’s care or name
actually live that is considered your legal residence for guardianship for minor children.
income tax purposes.
Uncontested – An action in which all matters are settled
Real Property – Land and all permanent structures or decided without attorney negotiation, and your attorney
attached to it. assists in completing any necessary formal processes.
Related by Blood or Marriage – You may choose any You and Your – An insured.
Attorney who is not your parent, brother or sister, your
spouse, your spouse’s parent, your spouse’s brother or sister,
or your child or step-child.
Secondary Residence – A single dwelling (house,
apartment, duplex, or condominium) that you have an
ownership interest in and that is not your primary residence
and is not an insured rental property for six months before
the insured event and it is not your intent to use it as an
insured rental property.
Service – A duty or labor provided from one person to
another. It is the non-material equivalent of a good. There is
no physical product that can transfer ownership.
Service Provider – An individual or company with whom
ARAG has contracted to perform covered services in the

© 2022 ARAG North America, Inc. Page 36 of 45 Rev 9/21 200162

Section V
Grievance Procedures
Service Provider
If you have a problem with a Service Provider in the handling The written notice will contain the following information:
of a service issued under the ARAG Legal Insurance Plan • The specific reason or reasons for the denial;
and you and the Service Provider cannot resolve it, a written • The specific reference on the Plan provisions on which the
grievance is required. ARAG will provide you with a form and denial is based;
information about filing the grievance.
• A description of any additional information or material
Network Attorney necessary to correct your claim and an explanation of why
If you have a problem with a Telephone network attorney or such material or information is necessary; and
network attorney in the handling of a legal matter covered • Appropriate information as to the steps to be taken if you
under the ARAG Legal Insurance Plan, and you and the or your beneficiary wishes to submit your claim for review.
attorney cannot resolve it, a written grievance is required.
If your claim has been denied and you wish to submit
ARAG will provide you with the form and information about
your claim for review, you must follow the Claims Review
filing the grievance with ARAG.
Procedure described below:
If you are unable to find a network attorney, ARAG guarantees • Upon the denial of your claim for benefits, you may file
you the opportunity to receive in-network benefits from an your claim for review, in writing, with ARAG.
attorney. Our Customer Care Center will work closely with
• YOU MUST FILE THE CLAIM FOR REVIEW NO LATER
you to ensure you receive covered legal services through an
THAN 60 DAYS AFTER YOU HAVE RECEIVED WRITTEN
attorney in your area.
NOTIFICATION OF THE DENIAL OF YOUR CLAIM FOR
You have the right to file a complaint with the State Bar BENEFITS.
Association about your Attorney at any time. • You may review all pertinent documents relating to
the denial of your claim and submit any issues and
Appeal Procedure comments, in writing, to ARAG.
If you believe you may be entitled to benefits that have been
denied, or you are in disagreement with any determination Your claim for review will be given a full and fair review. If
that has been made, you may present a claim to ARAG. your claim is denied, ARAG will provide you with written
notice of this denial within 60 days after ARAG’s receipt of
You must follow the claim and review procedure carefully your written claim for review. There may be times when this
and completely and you must file your claim before the 60-day period may be extended. For example, this extension
deadlines provided. If you do not do so, you will give up may be made where there are special circumstances that
important legal rights. are communicated to you in writing within the 60-day
period. If there is an extension, a decision shall be made
You must file your claim for benefits with ARAG within one as soon as possible, but not later than 120 days after the
year after you knew or reasonably should have known of the receipt by ARAG of your claim for review.
principal facts on which your claim is based. After you file
ARAG’s decision on your claim for review will be
your claim, you must complete the entire claim and review communicated to you in writing and will include specific
procedure before you can sue over your claim. It is important references to the pertinent Plan provisions on which the
that you include all the facts and arguments that you want decision was based.
considered during the claim and review procedure. Your
claim for Plan benefits will be subject to a full and fair review. If You may, at your own expense, have an attorney or other
your claim is wholly or partially denied, ARAG will furnish you representative act on your behalf, but ARAG reserves the
right to require your written authorization before providing
with a written notice of this denial. This written notice must be
information to a third party. ARAG also reserves the right to
provided to you within a reasonable period of time (generally 90
delegate its authority to make decisions.
days) after the receipt of your claim by ARAG.

© 2022 ARAG North America, Inc. Page 37 of 45 Rev 9/21 200162

Section VI
How to Use the ARAG Legal Insurance Plan
If you file your claim within the required time and complete If you require assistance from a translator during your call
the entire claim and review procedure and your claim is still to the Customer Care Center, please let your representative
denied, you may sue over your claim unless you have executed know. We will connect your call with the Language Line
a release of claims that includes a release of your claim for Services through Transperfect. To obtain TTD assistance,
benefits. However, you must commence that suit within 30 please call 800-383-4184.
months after you knew or reasonably should have known of
the principal facts on which your claim is based or, if earlier, six B. Telephone Legal Advice and Consultation
months after the claim and review procedure is completed.
Telephone Legal Advice and Consultation
A. Customer Care Call toll-free 800-828-1395 (TTD 800-383-4184) to connect
to the Customer Care Center.
Online Customer Care
• The automated telephone system will ask you to enter
Visit ARAGlegal.com and log in as a member, 24 hours a day,
your Member ID.
seven days a week.
• You will speak with a Customer Care Specialist.
• Enter your username and your password.
• You will be transferred to a Telephone Network
• Once you’ve logged in, you have access to all online
Attorney, Monday-Friday, 9 a.m.-5 p.m. Pacific time.
Benefits including Online Tools and Resources as well as
access to a Customer Care Specialist, Monday-Friday, 5 Services for Parents and Grandparents
a.m.-5 p.m. Pacific time. Call toll-free 800-247-4184 (TTY 800-383-4184) to connect to
the Customer Care Center.
E-mail Customer Care
You can e-mail us at [email protected] 24 hours a • You will speak to a Customer Care Specialist,
day and our associates are available to help you Monday- Monday- Friday, 5 a.m.-5 p.m. Pacific time.
Friday, 5 a.m.-5 p.m. Pacific time. E-mail received after • Ask to speak to an Eldercare Advocate.
regular business hours will be returned within a two-hour
• You will be transferred to an Eldercare Advocate,
time period on the following business day.
Monday- Friday, 5 a.m.-5 p.m. Pacific time.
Telephone Customer Care Your parents/grandparents will also have access to a network
Call toll-free 800-828-1395 (TTD, please call 800-383-4184) attorney for legal advice on elder law issues (e.g., Medicare/
for the automated telephone system, 24 hours a day, seven Social Security benefits, estate planning, real estate). They
days a week. When prompted, enter your Member ID to can also meet with a network attorney once a year for an
access membership services. From there, you will speak to annual legal check-up.
a Customer Care Specialist, Monday-Friday, 5 a.m.-5 p.m.
Pacific time, who will enable you to: Telephone Identity Theft Protection
• Receive legal advice over the phone, Monday-Friday, Call toll-free 800-247-4184 (TTY 800-383-4184), 24 hours
9 a.m.-5 p.m. Pacific time. per day, 365 days per year, to connect to the Customer Care
• Learn how to use your plan or request materials. Center.

• Obtain Benefit information or verification. • You will speak to a Customer Care Specialist,
Monday- Friday, 5 a.m.-5 p.m. Pacific time. After normal
• Get a list of claims that have been paid on your behalf.
business hours, an automated telephone system will
• Hear about exciting new enhancements to your plan.
ask you to enter your Member ID.
• Get a claim form.
• Request to speak with an Identity Theft Restoration
• Obtain a list of network attorneys. Specialist.
• You will be transferred to a Restoration Specialist,
Monday-Friday, 5 a.m.-5 p.m. Pacific time.

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Section VI
How to Use the ARAG Legal Insurance Plan
Telephone Tax Services General In-Office
Call toll-free 800-247-4184 (TTY 800-383-4184) to connect If you need an Attorney’s assistance on a matter that is not
to the Customer Care Center. a covered service, you can use the General In-Office benefit
for advice or services related to any legal matter that is
• You will speak to a Customer Care Specialist, not excluded under the ARAG Legal Insurance Plan (see
Monday- Friday, 5 a.m.-5 p.m. Pacific time. Exclusions and Limitations).
• Ask to speak to a Tax Specialist.
Some examples of permitted use of the General In-Office
• You will be transferred to a Tax Specialist,
benefits are:
Monday- Friday, 7 a.m.-3 p.m. Pacific time.
• Immigration Matters
C. Legal Representation • Defense of Felony

How to find a network attorney • Non-employment related administrative hearings

How to Use a Network Attorney
• Visit ARAGlegal.com and log in as a member to use the • Contact the network attorney of your choosing, and tell
Attorney Finder. them you are an ARAG plan member.
Or • Give them your Member ID.
• Call toll-free 800-828-1395 (TTD 800-383-4184) and a • The network attorney will bill ARAG for Attorney Fees
Customer Care Specialist will provide you a confirmation for covered matters. Most covered services are paid-in-
package, including coverage determination in writing as full when you see a network attorney. You pay nothing
well as a list of network attorneys in your area, Monday- but out-of-pocket costs such as photocopying and
Friday, 5:00 a.m.-5:00 p.m. Pacific time. miscellaneous court costs for most covered Benefits.
Or How to Use a Non-Network Attorney
• Call toll-free 800-828-1395 (TTD 800-383-4184) and • Call toll-free 800-828-1395 (TTD 800-383-4184) to verify
the automated telephone system will fax you a list of Benefits with a Customer Care Specialist, Monday-Friday,
Attorneys in your area, 24 hours a day, seven days a week 5 a.m.-5 p.m. Pacific time.
• Contact a Non-Network Attorney.
• If there are no network attorneys located within 30
minutes of your home, we guarantee you’ll receive • The Non-Network Attorney will provide services for
in-network benefits for covered legal matters. Simply covered matters.
contact the Customer Care Center and they will arrange • The Non-Network Attorney will bill you and you pay the
for you to receive covered legal services through an Attorney directly.
attorney in your area. This guarantee does not apply for
• To receive indemnity reimbursement, file a claim form
network attorneys on matters that are used under the
along with an itemized statement from your Non-
reduced fee arrangements.
Network Attorney with ARAG for all covered matters.
• Use the ARAG Legal app to view, sort and filter a listing of • Send your completed claim form along with your Non-
local network attorneys who practice in the area of law Network Attorney’s billing statement to:
where you need help.
ARAG
500 Grand Avenue, Suite 100
Des Moines, IA 50309
• ARAG will reimburse you for covered matters as specified
under Section II, Legal Representation.

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Section VI
How to Use the ARAG Legal Insurance Plan
For additional claim forms you may: For additional claim forms you may:
• Visit ARAGlegal.com and log in as a member to use the • Visit ARAGlegal.com and log in as a member to download
Attorney Finder. a claim form.
Or Or

• Call a Customer Care Specialist, Monday-Friday, 5 a.m.-5 • Call a Customer Care Specialist, Monday-Friday, 5 a.m.-5 p.m.
p.m. Pacific time, to receive a copy of the claim form. Pacific time, to receive a copy of the claim form.

How to Use the Reduced Fee Network

D. Filing Your Claim
For not fully covered and non-excluded items, you may be
eligible to receive reduced fees of at least 25% off a network Network Attorney Services
attorney’s normal hourly rate for in-office legal advice and If you receive services from a network attorney, you will
representation. not need to file a claim form. The network attorney will call
ARAG to verify Benefits. Attorney Fees for covered
How to Use: services will be provided by the plan.
• Contact any network attorney and tell them you are an
For matters that include a cap on the number of hours
ARAG member.
ARAG will pay a network attorney, and where your legal
• Give them your Member ID and proceed with your matter.
matter will exceed the cap set, the network attorney will bill
• The network attorney will bill you directly at reduced rates you directly at reduced rates of at least 25% off his or her
of at least 25% off his or her normal rates. You pay the normal rates for the remaining hours. You pay the attorney
attorney directly. directly.

How to Use Benefits Outside the United States Non-Network Attorney Services
• Call toll-free 800-828-1395 (TTD 800-383-4184), to verify If you choose a Non-Network Attorney, you generally
Benefits with a Customer Care Specialist, Monday-Friday, must pay the Attorney in advance. When services have
5:00 a.m.-5:00 p.m. Pacific time. If you can not access the been completed, send a Non-Network Attorney claim form
800 number you may follow the steps below: directly to ARAG via U.S. Mail, email or fax, along with an
• Contact a Non-Network Attorney. itemized bill of the services provided by the attorney. The
• The Non-Network Attorney will provide services for itemized bill must include:
covered matters. • Date of service
• The Non-Network Attorney will bill you and you pay the • Services provided
Attorney directly.
• Time spent in fractions of hours
• To receive indemnity reimbursement, file a claim form
Upon receipt, these claims will be processed with all other
along with an itemized statement from your Non-
paper claims received on the same day. Remittance will be
Network Attorney with ARAG for all covered matters.
made directly to the Plan Member in accordance with the
• Send your completed claim form along with your terms and conditions of the plan’s Certificate of Insurance
Non-Network Attorney’s billing statement to: and at the rates and maximums laid out in the same
ARAG Certificate of Insurance.
500 Grand Avenue, Suite 100
Des Moines, IA 50309 To obtain a claim form, call ARAG’s toll-free customer care
number or visit ARAGlegal.com and log in as a member.
• ARAG will reimburse you for covered matters as specified
under Section II, Legal Representation. A claim form and itemized billing are required within one
hundred eighty (180) days after legal services for which you
seek payment are completed.

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Section VI
How to Use the ARAG Legal Insurance Plan
E. Additional Services Services for Parents and Grandparents
Access to network attorneys and other professionals who can
The following services are also available to you and include
help you find caregiving options for your parents or grandparents.
everything from self-help tools such as educational
This includes contacting a network attorney by telephone as often
resources and actual legal documents, to assistance from
as necessary to ask general questions or to talk about specific
experienced professionals to help with your legal needs.
issues and meeting with a network attorney once each year to
Identity Theft Protection review your parents’ or grandparents’ legal needs.
Features Single-Bureau Credit Monitoring, Internet
Surveillance, Change of Address Monitoring and Child In addition, you can talk with an Eldercare Advocate who can
Identity Monitoring services. If you fall prey to identity assess eldercare needs and help develop care plans to meet
theft, you can rely on Identity Theft Restoration Specialists your specific caregiving needs. They can also search for available
to help with Full-Service Identity Restoration, and Lost assisted living facilities, nursing homes, home healthcare agencies
Wallet Services. Should you become a victim of identity and adult day care providers to negotiate discounts for facilities
theft, Identity Theft Insurance provides coverage up to when available.
$1 million for expenses associated with restoring your How to Use:
identity. (Eligibility, coverage, limitations and exclusions
• Call toll-free 800-247-4184 (TTY 800-383-4184) and
are governed by a separate Master Policy. Please see the
request Caregiving Services assistance.
Identity Theft Plan Summary for details, available upon
request.) Tax Services
Provides you with year-round access to experienced tax
How to Use/Setup Online Monitoring:
specialists. You can call toll-free for a one-on-one consultation if
• Visit ARAGlegal.com and log in as a member. you have questions or need advice regarding your personal, non-
• Select “Identity Theft” under “Tools”. business related tax matters. You’ll also benefit from discounted
personal tax return preparation services.
• First-time User: select “Activate Monitoring” to activate
How to Use (Tax Specialist):
the monitoring services.” After activate a monitoring
account, other adult dependents need to select “Add • Call toll-free 800-247-4184 (TTY 800-383-4184) and
Adult Family Member” to activate the monitoring request Tax Specialist assistance.
services. DIY Docs®
After activating a monitoring account, the Login link Online access to documents authored and reviewed by
will appear. attorneys for accuracy and state-specific compliance in all
50 states. These documents can assist you with everyday
How to Use Restoration Services:
life, including issues involving::
• Call toll-free 800-247-4184 (TTY 800-383-4184) to
• Automobiles
connect with an Identity Theft Restoration Specialist 24
• Caregiving
hours a day, 365 days a year.
• Estate Administration
Learning Center • Child Care
Access the Learning Center for an extensive online library • Residential Contractor
of easy-to-read articles, guidebooks and videos created to • Finances
help you:
How to Use DIY Docs:
• Learn more about dealing with common legal and Visit ARAGlegal.com and log in as a member.
financial matters, like estate planning, identity theft and • Select “DIY Documents” under “Tools”.
consumer protection. • Search for the legal document relevant to your situation.

• Understand how the legal insurance plan works and the

coverages, services and resources it provides.

© 2022 ARAG North America, Inc. Page 41 of 45 Rev 9/21 200162

Section VI
How to Use the ARAG Legal Insurance Plan

Reduced Fee Benefit for Non-Covered Matters

This part of the plan offers reduced fees of at least 25% off
the network attorney’s normal hourly rate, for services not
covered and not excluded. The initial consultation for each
legal matter will be provided at no cost. If you retained the
services of a network attorney prior to the effective date of
your legal insurance membership, the reduced fee benefit is
not available.

How to Use:
• Contact any network attorney and tell him or her you are
an ARAG plan member.
• Give him or her your Member ID and proceed with your
matter.
• The network attorney will bill you directly.

Reduced Contingency Fees

If your legal matter is not fully covered under your insurance
policy and is not listed under the “Exclusions” in your Service
Plan, you are eligible to work with a network attorney for a
legal matter the network attorney deems to be appropriately
handled through the use of a contingency fee. The network
attorney will represent you under a contingent fee
arrangement where the contingent fee will not exceed 25% of
the net recovery if successfully resolved before trial, or will not
exceed 33% of the net recovery if successfully resolved after
trial, or will not exceed 40% of the net recovery if successfully
resolved on or after an appeal. The initial consultation for each
legal matter will be provided at no cost. If you retained the
services of a network attorney prior to the effective date of
your legal insurance membership, the reduced contingency
fee benefit is not available.
How to Use:
• Contact any network attorney and tell him or her you are
an ARAG plan member.
• Give him or her your Member ID and proceed with your
matter.

© 2022 ARAG North America, Inc. Page 42 of 45 Rev 9/21 200162

Section VII
Coordination of Benefits
The ARAG Legal Insurance Plan contains a no profit provision
coordinating it with other legal plans under which you or your
covered dependents may be covered so that the total benefits
will not exceed 100% of the allowable expense.

An “allowable expense” is any expense covered, at least in

part, by one of the plans. “Plans” means these types of legal
services benefits: (a) coverage under a governmental program
or provided or required by statute, or (b) group insurance or
other coverage for a group of individuals, whether insured
or uninsured. This includes prepayment, group practice
or individual practice coverage. When a claim is made the
primary plan pays its benefits without regard to any other
plans. The secondary plans adjust their benefits so that the
total benefits available will not exceed the allowable expense.
No plan pays more than it would without the coordination
provision.

A plan without a coordinating provision is always the primary

plan. If all plans have such a provision:
1. the plan covering the individual directly rather than as the
dependent, is primary and the others secondary;
2. if a child is covered under both parents’ plans, and the
parents have the same birthday, the plan that covered
the individual longer is primary; but when the parents are
separated or divorced, their plans pay in this order:
(a) if a court decree has established financial
responsibility for the child’s legal expenses,
the plan of the parent with this responsibility;
(b) the plan of the parent with the custody of the child;
(c) the plan of the spouse married to the parent with
custody of the child;
3. if neither (1) nor (2) apply, the plan covering the individual
the longest is primary.

When your plan is the secondary plan and its payment is

reduced to consider the primary plan’s benefits, a record is
kept of the reduction. This amount will be used to increase
your legal plan’s payment on any later claims in the same
calendar year ­— to the extent there are allowable expenses
that would not otherwise be fully paid by your ARAG Legal
Insurance Plan and others.

© 2022 ARAG North America, Inc. Page 43 of 45 Rev 9/21 200162

 Underwritten by ARAG Insurance Company, Des Moines, Iowa
ARAG
500 Grand Avenue, Suite 100
Des Moines, IA 50309
[email protected]
ARAGlegal.com
Access Code: 11700UC

© 2022 ARAG North America, Inc. Page 44 of 45 Rev 9/21 200162

 ARAG
500 Grand Avenue, Suite 100
Des Moines, IA 50309
800-247-4184
[email protected]

ARAGlegal.com
Access Code: 11700uc

© 2022 ARAG North America, Inc. Page 45 of 45 Rev 9/21 200162