ARAG Legal Insurance Plan
Rely on Valuable Legal Protection
Legal insurance from ARAG® helps connect you with network attorneys with experience in the area of law that you need help with.
Benefits Summary
Plan Documents & Resources
Exclusions & Limitations
FAQs
Provider Contact Info
Customer Service
Service Hours (EST):
| M-F | 8am – 8pm |
Legal Insurance Plan
As the world leader in legal insurance, ARAG continues to provide comprehensive legal guidance, services and resources to M-DCPS employees and their families.
Benefits of the legal plan include:
- Working with a network attorney and attorney fees are 100% paid in full for most covered matters.
- Saving thousands of dollars, on average, for legal matters by avoiding costly legal fees.
- Receiving help to be connected with local network attorneys – many who average 20+ years of experience.
- Using DIY Docs to create a variety of legal documents, like wills or powers of attorney, including state-specific templates.
- Addressing your covered legal situations with a network attorney for legal counsel and representation.
Summary of Benefits
Get Connected with Local Network Attorneys
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To locate network attorneys in your area, call ARAG Customer Care at 800-360-5567, or visit ARAGLegal.com/myinfo and enter Access Code 10287mds. Click on the “Attorneys” tab on the navigation bar and select a legal matter under “Find an Attorney.” Existing members can log into their member account for more details.
If you use a network attorney, the plan pays 100% of the attorney’s fees for most covered (and not excluded) services. The services that are available are listed on the chart in the section. You may choose to work with a non-network attorney and the plan will reimburse you according to scheduled limits.
If you need legal representation for a legal situation that’s not covered under the plan, you may have other options, including:
- The miscellaneous services coverage benefit for matters not specifically covered or excluded. This benefit provides four hours per certificate year of attorney services.
- You may choose to work with a non-network attorney and the plan will reimburse you according to scheduled limits.
- In addition, you can save money even if your legal situation is not fully covered and not excluded, as you may be eligible to receive a reduced fee of at least 25% off a network attorney’s normal rate.
Note that 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.
Telephone Legal Advice and Consultation
Telephone Legal Advice and Consultation
- General legal advice and consultation on a variety of personal legal matters
- Standard will preparation
- Living will preparation
- Durable power of attorney preparation
- Small claims assistance
- Follow-up calls and letters
- Specific document preparation
- Document review
Immigration Assistance
Immigration Assistance
To help with the immigration process, your plan includes:
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Legal advice and consultation that includes:
– 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
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Document review of any immigration forms
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Document preparation of affidavits and powers of attorney
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Preparation for immigration hearingsFor 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.
Online Legal Tools and Resources
Online Legal Tools and Resources
- DIY Docs: Create a variety of legal documents, like simple wills and powers of attorney using state-specific templates.
- Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.
- Personal Information Organizer: An essential document to help you keep track of your critical and personal information all in one place.
Services for Parents/Grandparents
Services for Parents/Grandparents
As your parents and grandparents age and deal with health issues, odds are good that you will play a part in providing care. The following services are available for you to help a parent or grandparent:
- Legal hotline for questions and initial guidance
- Reduced fee services
- Guidance from expert Care Coaches
- Digital education and support tools
- Learning center with educational articles and guidebooks on elder law topics
- DIY Docs
- Integrated care provider support network and community
- Document Review
- Document Preparation
- Miscellaneous Legal Services (4 hours per year)
- Wills & Power of Attorney
Identity Theft Services
Identity Theft Services
- Explain what identity theft is and steps you can take to help prevent it
- Provide resources to minimize and recover from identity theft
- Explain plan coverages that may be relevant to the identity theft, such as consumer protection
- Provide identity theft prevention and victim action kits
Financial Education and Counseling Services
Financial Education and Counseling Services – ARAG Exclusive
You have access to professional financial counselors and online resources exclusively through your ARAG legal plan. Experienced financial counselors are available to answer questions and provide guidance on a range of financial topics including:
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General financial planning information and guidance
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Cash and debt management/budgeting
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Retirement and investment planning
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Student loan counseling
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Credit report review
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Individual retirement accounts (IRAs)
You also have access to online resources through your member account that provide:
- Counseling services
- Interactive educational modules
- Articles, guides, financial calculators and videos
- Free webinars
Plan Documents & Resources
ARAGLegal.com
Legal Video
Legal Services Available
Legal FAQs
Save Time & Money
Legal is Everywhere
Attorney Finder
Services for Parents/Grandparents
Diversity, Equity & Inclusion Benefits
ARAG Disclaimer
Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-360-5567.