For a complete list of benefits available under your plan, visit the ARAG Legal website and enter access code: 10277mdc or call ARAG Customer Service at 800-667-4300, Monday to Friday, 8 a.m. to 8 p.m. Eastern Time. For all legal matters not covered by the plan and not excluded, you are entitled to at least 25% discount on the normal network lawyer rate. We cover virtually every personal legal need your members face throughout their lives, such as preparing a will, collecting, adopting, and buying a home. We do not cover business or employment. For more information, see Coverage Details. Further information on ARAG UltimateAdvisor legal expenses insurance can be found in the highlights of the ARAG plan. Contact our customer service, who can tell you what is covered by your ARAG plan. ARAG Legal Protection Insurance puts you in touch with® lawyers in the network so you can get the legal help you need. If you need legal representation for a legal situation not covered by the plan, you may have other options, including: General in-office coverage for matters that are not specifically covered or excluded.
This service provides four hours per family per year of legal services certificate. For matters that include a cap on the number of hours ARAG pays to a network attorney and if your legal case exceeds the set cap, the network attorney will directly charge you discounted rates of at least 25% off their normal rates for the remaining hours. You pay the lawyer directly. Note that reduced fees are not available if you have used the services of the Network Attorney prior to the effective date of your Legal Protection membership. ARAG Legal Protection Insurance covers a wide range of legal needs, such as the examples below – and many more – to help you plan for the future and protect yourself and your family. ARAG`s® UltimateAdvisor® Legal Expenses Insurance protects you and your loved ones in legal situations. How it works Legal protection insurance covers many personal legal issues that arise for you, your spouse or spouse. Have you ever thought about how many events in your life have a legal element? Most of us are unprepared for the unexpected – such as the recent circumstances caused by the coronavirus outbreak. There are the pleasures – like getting married or buying the house of your dreams. And challenges – like when true love doesn`t work or you end up in a speeding ticket. The plan also offers benefits to all employees beyond simple differences in age, gender or income – with inclusive coverage that applies to all diverse groups. These services are intended to provide the member with advice and assistance in the preparation of the following documents: If you use an off-network lawyer for covered (and not excluded) services, the plan will reimburse you based on the fee table specified in the „What the Plan Covers” section.
With ARAG Legal Protection Insurance, your network`s attorney fees are paid 100% in full for a variety of legal issues covered. In addition, you can save money even if your legal situation is not fully covered and is not excluded, as you may be entitled to a reduced rate of at least 25% off the regular hourly rate of a lawyer in the network. ARAG`s® UltimateAdvisor® Legal Expenses Insurance protects you and your loved ones in legal situations. If you use a network lawyer, the plan pays 100% of the lawyer`s fees for most (not excluded) services. Legal is everywhere. Protect yourself and your family with legal insurance. You can choose to work with an off-grid lawyer and the plan will reimburse you within the limits. The available legal services are listed in the table in this section. You can purchase ARAG UltimateAdvisor Legal Expenses Insurance for $15.23 per month ($7.62 per paycheck).
Premiums are deducted from your after-tax paycheque. Enrolment in the plan is available upon re-enrolment, open enrolment or at the time of an eligible life event. When you enrol in the legal regime, your eligible family members are automatically enrolled. Legal Expenses Insurance provides protection for many personal legal issues that arise for you, your spouse or eligible dependent children. If you hire a network lawyer, attorney`s fees will be paid in full for most of the legal issues covered. When you hire an out-of-network lawyer, you pay the lawyer for legal services and file a claim up to the amount of the benefit specified in your legal plan. As a leader in legal expenses insurance, ARAG continues to provide comprehensive legal advice, services and resources to M-DCPS employees and their families. Benefits of the legal plan include: Please contact ARAG Customer Service directly at 800-247-4184 for assistance with your plan or to start a business. To find network lawyers near you, call ARAG Customer Service at 800-360-5567 or visit ARAGLegal.com/myinfo and enter access code 10287mds. Click on the „Lawyers” tab at the top of the page and select „Find a Lawyer”. You can also register as a member for more information. * $368 is the average hourly rate for a U.S.
attorney with 11 to 15 years of experience, according to The Survey of Law Firm Economics: 2018 Edition, The National Law Journal and ALM Legal Intelligence, October 2018. You`ll also have access to online resources through the ARAG Legal Center that provide: – Laws and regulations for various types of immigration benefits, including asylum, adjustment of status, business visas, and work permits. Revocable trusts – how they work and if they are right for you. As your parents and grandparents age and face health issues, chances are you`ll play a role in caregiving. The following services are available to help a parent or grandparent: To support the immigration process, your plan includes: – Submission and processing of applications and petitions. You have access to professional financial advisors and online resources exclusively through your ARAG Legal Plan. Experienced financial advisors are available to answer questions and provide advice on a range of financial topics, including: .