MiCSC - Legal Plan

Be protected, be wise, be safe, be proactive, be carefree, be you.

Legal Plan UltimateAdvisor^®

A legal plan for many common personal legal issues.

In today's world, no matter where you are in your life, starting your first job, retiring, or somewhere in between, you are almost certain to experience life events that have potential legal ramifications.

With a legal plan from ARAG^® you have the professional legal help you need to protect yourself and your loved ones from legal difficulties.

You have the option to participate in UltimateAdvisor from ARAG. UltimateAdvisor gives you and eligible family members affordable protection for legal expenses and access to experienced attorneys for $11.73 per pay period. This provides a full year of legal coverage for a price that many attorneys charge for just one hour of service*. Your coverage will be renewed automatically each year and may only be cancelled during a Benefits for Life open enrollment period.

When using ARAG's Network Attorneys, attorney fees are 100% paid-in-full for most covered matters. You can also choose any participating attorney you'd like and receive reimbursements up to the scheduled maximums.

Covered Legal Services

Telephone advice and office consultations on many personal legal matters
Preparation of wills, codicils, living wills, living trusts and powers of attorney
Attorney representation for matters such as:
- Purchase or sale of your primary residence
- IRS tax audits
- Debt collection defense
- Adoption
- Identity theft services
- Juvenile court
- Divorce (contested and uncontested)
Online access to an educational legal library as well as downloadable Do-It-Yourself Legal Documents^™
Financial planning and tax assistance.

Click here to view the ARAG policy.

How can I find out more about plan benefits and what attorneys are in my area?

For a complete list of coverages or to find attorneys in your area visit http://www.ARAGLegalCenter.com and enter access code 16081som.

When may I start using my new network of attorneys?

If you sign up during the 2011 Benefits for Life enrollment period, you may start using your new legal plan on May 1, 2011. Look for your member cards and additional information to be sent to your home shortly after you enroll.

* Average attorney rate in the United States of $294 per hour for attorneys with 11 to 15 years of experience, Survey of Law Firm Economics, Altman Weil Publications, Inc., 2010. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, refer to the certificate of insurance. Insurance products are underwritten by ARAG® Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG LLC, ARAG Services LLC or Advisory Communication Systems Inc., depending on the product and state. Some products are only available through membership in the ARAG Association LC.

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