Retiree Legal Plan

Benefits for Life: Be Safe, Be Protected, Be Prepared

Legal Plan UltimateAdvisor®

A legal plan for many common personal legal issues.

ARAG LogoIn 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 $22.92 per month. 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 Legal Plan 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 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

    • Divorce (contested and uncontested)

    • Debt collection defense

    • IRS tax audits

    • Warranty/contractor issues

  • Online access to an educational legal library as well as downloadable Do-It-Yourself Legal Documents 

  • Financial planning and tax assistance.

  • Reduced Fee Benefits are available for legal matters not fully covered and not excluded or pre-existing. You can receive at least 25% off a Network Attorney's normal hourly rate

You have the option to choose UltimateAdvisor Plus™ ($25.42 per month), which includes all the benefits of the UltimateAdvisor plan, plus two exciting new benefits:

  • Identity Theft Protection: From credit monitoring to lost wallet and identity restoration, your personal information and financial standing are protected.

  • Caregiving Services: Work with an Eldercare Specialist who can help you assess eldercare needs, answer your legal questions, and much more.

If you have further questions review the Ultimate Advisor Plan (PDF) or Ultimate Advisor Plus Plan (PDF).

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 and enter access code 16081smr.

When may I start using my new network of attorneys?

If you enroll during the 2017 Legal Plan enrollment period, you may start using your new legal plan on May 25, 2017. Look for your member cards and additional information to be sent to your home shortly after you enroll. 

*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 Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-247-4184.