Legal Insurance

Legal Insurance  


For a low monthly premium, you’ll have access to a nationwide network of attorneys who can:

  • Work with you in person, virtually, or over the phone consult on legal issues.
  • Review or prepare personal documents.
  • Make follow-up calls or write letters on your behalf.
  • Represent you—even in court, if necessary.

Network attorneys can help with a variety of legal services, including:

  • Wills and estate planning
  • Real estate and home ownership
  • Traffic tickets and license suspension
  • Disputes with a landlord
  • Family law matters
  • Small claims court
  • Consumer fraud
  • Personal property disputes
  • Student loan debt
  • Bankruptcy
  • And more!

Enjoy More. Worry Less.



Visit or call 1-877-228-4010.


Learn more about what the plan offers, research legal topics, and more! Visit ARAG Legal center at Active access code: 17864ycd. Retiree access code: 17864cat.


NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.

Tell Me More

As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period or a qualified life event.


UltimateAdvisor Plus™ provides a wide range of coverages, legal services and online tools including tax services, financial education, and counseling and services for parents and grandparents, for $17.25 per month.


Payments can be made via payroll deduction, which covers you, your spouse/domestic partner and eligible dependents.


How It Works

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Enroll in the Arag Legal Plan

Contact a network attorney

Receive unlimited legal advice on personal legal matters

Learn More

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Your Legal Plan at a Glance


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    ARAG® offers the most comprehensive legal insurance plan designed around a nationwide network of attorneys. The plan, UltimateAdvisor®, pays Network attorney fees—with no co-pays—for most covered legal matters.


    The legal insurance plan provides affordable legal counsel for a variety of legal matters, such as a dispute with a contractor, buying or selling a home or creating a will or trust.

  • How can this help me?

    Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need assistance with legal matters or financial issues. That means you can consult with a network attorney who can help you create a will, fight a traffic ticket or take legal action regarding a dispute with a home contractor. And it’s covered under your legal insurance benefit because network attorney fees are 100% paid in full for most covered legal matters.

    Simply call ARAG Customer Care at 1-800-247-4184 and a specialist will help you get connected with a network attorney in your local area. The attorney can:

    • Review or prepare personal documents.
    • Make follow-up calls or write letters on your behalf.
    • Advise and consult with you on legal issues.
    • Represent you.

    To help you better manage today’s common legal and financial matters, visit the Learning Center at, where you have access to a variety of tools and resources, including: 

    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: Download this document to help you keep track of all your critical legal, financial, medical and personal information. 

    Legal Glossary: Review this comprehensive collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.

  • Who is covered?

    You and your eligible family members are covered.
  • When can I enroll?

    Enrollment is limited to your new hire window of 30 days from your date of hire and the company's annual enrollment period only.
  • How do I enroll?

  • What’s covered?

    ARAG’s UltimateAdvisor offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:

    • Wills, trusts and estate planning (wills, power of attorney)
    • Family law (name change, adoption, divorce)
    • Consumer protection issues (auto repair, consumer fraud)
    • Traffic matters (driver license suspension, operating while intoxicated)
    • Debt-related matters (bankruptcy, foreclosure)
    • Landlord/tenant matters (contracts, security deposit)
    • Buying/selling a home

     Plus, many more – visit for a complete list.

  • Are there any exclusions?

    The plan covers most personal legal services. The following matters are excluded from coverage:

    • Legal services for matters against ARAG, the policyholder and/or the plan sponsor.
    • Legal services arising out of your profession, business interests, investment interests, occupation, employment, workers’ or unemployment compensation, relocation required by an employer, patents or copyrights.
    • Legal services for the benefit of a person other than you or legal services for a person other than the named insured against the interests of another insured under the same Certificate.
    • Costs related to title insurance, title search, title abstracting and any costs other than attorney fees.
    • Legal representation in class actions, interventions, judgments, or appeals.
    • Legal representation deemed by the attorney to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules.
    • Legal services related to any court action which is or can be brought in Small Claims Court or in a similar court of limited jurisdiction.
    • Legal disputes involving insurance contracts or related to structural damage(s), noise, visual or other intangible hindrances arising out of or affecting real estate property.
    • Legal disputes arising out of the inheritance law or involving contracts related to family law matters.
    • Legal services which are eligible to be paid by another party, allowed to be paid by law, involving punitive damage(s) claims or other matters normally handled by contingency fee.
    • Matters which are not expressly listed under the “Benefits” section of this policy.


    Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for in-office coverage. However, as a plan member, you are eligible to receive telephone legal advice for non-excluded matters from a Network Attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.

  • What attorney can I use?

    You have access to a network of more than 14,000 network attorneys across the U.S. who:

    • Are individually selected to ensure you receive professional assistance.
    • Average more than 20 years of experience practicing law.
    • Can meet a wide range of legal needs.
    • Are re-credentialed annually to maintain ARAG’s standards.
    • Must fulfill specific criteria to maintain their status in the network.


    You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan. If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.


    To find local network attorneys, please contact ARAG’s Customer Care Center at 1-800-247-4184. You can also log in to and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call ARAG’s Customer Care Center for assistance.


    Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.

  • How are payments handled with a non-network attorney?

    As a member, you have the choice to see a Network or non-network attorney; however most members use a Network Attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including ARAG non-network attorney Claim Form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy.
  • Can I use this plan for small business-related or employment-related legal matters?

    No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer, its subsidiaries or insurance carriers.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking, bank account deduction, credit card billing, or home billing. Higher rates may apply.


    For retirees 65 and older, you will need to contact your carrier to continue coverage.

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 1-800-247-4184.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.