Transcription
10. Legal Insurance with ID Theft ProtectionThe Legal Insurance with Identity (ID) Theft Protection provides you and yourfamily affordable, reliable legal coverage to help with everyday life mattersand to protect one of your most valuable assets—your identity.For more information on See Page How the Legal Insurance Plan with Identity TheftProtection Works .10—3What the Plan Pays.10—3Covered Services.10—4In-Office Legal Services .10—6Services Not Covered .10—13Other Important Information . 10—141/1/2020UT-B10—1Legal Insurance with ID Theft ProtectionACTIVE—SALARIED
HighlightsThe Legal Insurance Plan with Identity TheftProtection Helps You Pay the Costs of Planned and Unplanned Legal NeedsThe plan provides you with affordable, reliable legal coverage to help with everyday lifematters—like identity (ID) theft, a dispute with a contractor, creating a will, buying a home, oran auto repair that doesn’t go as planned.Offers Access to an Attorney for a ConsultationYou have access to an attorney who can consult, advise, and represent you if somethingunexpected happens like identity theft, credit problems, or contractor issues.What Happens to Your Benefits When .For more information about what happens to your Legal Insurance with Identity Theft Protectioncoverage when certain changes or events occur, see “How Changes Affect Your Benefits” in the “AboutYour Benefits” chapter.Legal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—21/1/2020
How the Legal Insurance Plan with Identity TheftProtection WorksThe UltimateAdvisor legal plan from ARAG offers affordable and knowledgeable legal counsel throughprofessional legal guidance and valuable resources to protect you and your loved ones and to help youaddress everyday life matters or situations that may turn into legal matters, such as: Creating or updating a willProtecting your personal information against identity theftMaking a financial plan for retirementAdopting a childSelling your house and buying a new oneSettling a legal dispute with a neighborActing as a caregiver and advocate on behalf of your aging parentsThis coverage helps you to avoid paying high-cost attorney fees— most covered legal matters are 100%paid in full when you work with a Network Attorney.Premiums are paid on an after-tax basis.What the Plan PaysYou may receive covered services from any attorney; however, benefits are paid differently depending onwhether you choose to work with a Network Attorney (an attorney who is part of the ARAG attorneynetwork) or you choose to work with an attorney who is not in the network: If you work with a Network Attorney, the plan pays the attorney fees in full for most covered legalmatters. The Network Attorney will bill ARAG directly for legal services rendered to you that arecovered under the legal plan.Network Attorney Guarantee—If there is not a Network Attorney located within 30 miles of your home,ARAG guarantees you will receive in-network benefits. ARAG will work with you to arrange for you toreceive covered legal services through an attorney in your area.A list of Network Attorneys for each state, which includes the areas of law they practice, their phonenumbers, and if they speak a foreign language, is available by calling 800-247-4184. You can alsovisit the ARAGLegalCenter.com, access code 18095or, to access the online Attorney Finder feature.If you choose to receive services from an attorney not in the ARAG Network, you pay the cost of legalservices and then file a claim form, along with your attorney’s billing statement, to ARAG. You will bereimbursed for covered legal fees up to the lesser amount of actual fees incurred or the benefitamount indicated in your plan Certificate for that specific coverage.You must notify ARAG within 60 days of consulting a non-Network Attorney. In addition, your claimfor reimbursement must be received by ARAG within 120 days after you incur a legal service.How to Contact ARAGAdministrative InformationIf you or someone in your family needslegal or identity theft assistance, contactARAG at 800-247-4184 orservice@ARAGlegal.com.Information about the administration of the LegalInsurance with Identity Theft Protection coverage canbe found in the chapter titled Legal Insurance with ID Theft ProtectionACTIVE—SALARIED
Covered ServicesServiceNetwork ProviderLaw Guide—An extensive library of easy-to-understand legal articles to help youresearch your legal situation Law Guide provides overviews of general areas of law including, but not limited to,estate planning, consumer matters, and family law Law Guide also gives specific information on legal issues including, but not limited to,wills, divorces, and child custody mattersPaid in fullDo-It-Yourself Legal Documents—Access to more than 350 legal documents for theconvenience and control of preparing legally valid documents (state-specific) yourselfPaid in fullIdentity Theft Protection—A service that gives you access to:Paid in full Identity Theft Case Managers who will help you determine appropriate steps to beginrecovery and help you monitor the progress of your recovery Toll-free legal advice from a Telephone Network Attorney to assist with legal-relatedproblems that the theft of your identity may have caused Identity Theft Materials including: An Identity Theft Prevention Kit to help protect yourself from becoming a victim ofidentity theft in the first place An Identity Theft Victim Action Kit to help speed your recovery should you becomean identity theft victim A tracking document to help you keep track of phone calls, e-mails, and letters forattorneys An Identity Theft Affidavit to help you report your identity theft to necessary parties Online access to ID theft prevention resources—A best-in-class experience thatmakes it easy to access educational content within the portal to help prevent ID theft ID theft restoration services—Through the use of a Limited Power of Attorney, aRestoration Specialist is able to work on your behalf to restore your identity, savingyou time and effort in working with lenders, bureaus, and state and county courts Lost wallet service—A service that helps you quickly and easily cancel and replace allitems commonly carried in wallets and purses including credit cards, debit cards,check books, Social Security cards, insurance cards, passports, identification cards,and traveler’s checksID Theft Insurancea—1. Coverage with no deductible from an A.M. Best “A-rated” carrier is provided toreimburse you for expenses associated with restoring your identity should youbecome a victim of identity theft2. To use the following services, establish an online monitoring account Single-Bureau Credit monitoring: Services designated to track and inform youof any activities or changes to your credit—including loan applications, creditcard activations, delinquencies, etc. Internet surveillance: Services that monitor thousands of websites and millionsof online data points and will alert you if your personal information is being tradedand/or sold Child monitoring: Services that enable you to protect your minor child’s informationfrom identity theft by registering and tracking their data. Social Security Number tracemonitoring which will detect the creation of a credit file in your child’s nameLegal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—41.2.Up to 1,000,000Paid in full1/1/2020
Service Network ProviderChange of Address: Services that monitors address change requests with theUnited States Postal ServiceFinancial Education and Counseling Services—This service provides you toll-freePaid in fulltelephone access to Financial Counselors who are available to assist you with questionsand guidance on a variety of financial planning matters or provide instructions on how touse the financial tools such as cash and debt management, budgeting, general financialplanning information and guidance, retirement planning, individual retirement accounts(IRAs), and investment planningYou also can access a financial planning website, where you can manage a secure, easilyupdateable record of your progress toward goals (such as a down payment on a house,reduction of debt, or college funding for a child). This website includes a comprehensivesuite of financial modeling tools as well as an online reference library for creating apersonalized financial plan. You can call or chat with a Financial Counselor forpersonalized guidance on implementation action itemsFinancial Counselors will help you consolidate bill payments and negotiate with creditorsto lower payments—in some cases reducing or eliminating interest and fees.Consolidating bills can help you repay your unsecured debt in 3–5 yearsTelephone Legal Services—Toll-free telephone advice on how the law relates to yourpersonal legal matter and which action may be taken. Follow-up correspondence andtelephone calls to third parties regarding your personal legal matter. Specific documentpreparation and review. Legal assistance for the preparation or review of a Standard Willor CodicilPaid in fullImmigration Services1.1. Toll-free access to Telephone Network Attorneys for legal advice and consultation on: 2.2. General immigration processes and guidelines Deportation and removal proceedingsPaid in fullAt least a 25%reduced rateFiling and processing of applications or petitionsLaws and regulations governing various types of immigration benefits, includingasylum, adjustment of status, business visas, and employment authorizationsDocument review of any immigration formDocument preparation of affidavits and powers of attorneyPreparation for immigration hearingsFor additional immigration services, Network Attorneys provide a reduced rate of atleast 25% off their normal rates for representation-based immigration services.Network Attorneys will bill you directlyReduced Fee Network AttorneysAt least a 25%If your legal matter is not fully covered under your insurance policy and is not listed under reduced ratethe “Exclusions” section in your service plan, you are eligible to work with a NetworkAttorney and receive a reduced fee that will be at least 25% off the attorney’s normalhourly rate. Payment of the attorney fees is handled directly between you and the NetworkAttorney. Access to a Network Attorney is subject to availability. You are encouraged tocontact ARAG to determine proximity to an Attorney within legal practice areasFor matters that include a cap on the number of hours ARAG will pay a Network Attorney,and where your legal matter will exceed the cap set, the Network Attorney will bill youdirectly at a reduced rate of at least 25% off his or her normal rates for the remaininghours You pay the attorney directly.If your matter cannot be resolved over the phone, is not fully covered under the insurancepolicy, and is not excluded under the “Exclusions” section in your Service Plan, you are1/1/2020UT-B10—5Legal Insurance with ID Theft ProtectionACTIVE—SALARIED
ServiceNetwork Providereligible to receive at least 25% off the attorney’s normal hourly rate. Payment of theattorney fees is handled directly between you and the Network AttorneyTax ServicesUnlimited phoneaccess to experienced tax specialists, who can: Offer advice regarding Internal Revenue Service (IRS) audits and notificationsExplain tax law changesOffer tips for state or federal filing of personal taxesReview your previous year’s personal tax returnProvide discounted personal tax return preparationCaregiving ServicesYou will have access to ARAG Network Attorneys and Eldercare Advocates to protect andcare for your parents and grandparentsCaregiver support services—You have toll-free access to a Care Advocate who will: Answer your eldercare-related questions, assess eldercare needs, and help developa care plan Send you a customized information guide that contains lists of assisted livingfacilities, nursing homes, or health care agencies, including comparative quality-ofcare ratings and reports on thousands of facilities and agencies—along with helpfuleldercare information Give you access to the nation’s most comprehensive eldercare database with morethan 90,000 long-term care providersServices providedby a NetworkAttorney and/or byan EldercareAdvocatePaid in full Conduct searches to determine availability and rates of assisted living facilities,nursing homes, home health care agencies, and adult day care providers. Advocateswill also negotiate discounts when availableAccess to the ElderAnswers Website, which provides online access to quality-of-careratings and reports, direct access to the provider database, and a wide range of eldercareinformationCaregiving Guidebook—access to a “go-to” guidebook that provides tools and resourcesto take a proactive approach in your caregiving roleTelephone access for you to obtain legal advice and consultation on how the law relatesto your parents’/grandparents’ legal matters and which actions may be takenIn-Office Legal nnual Legal Check-Up—Legal services for you and yourPaid in fullparents/grandparents to meet with an attorney on an annual basis. Thisannual meeting is to discuss the legal needs of yourparents/grandparents and discuss any changes to their situation andpotential legal implications.THIS SERVICE IS LIMITED TO ONE USE PER FAMILY PERCERTIFCATE YEAR (ANNUAL) 80bName Change—Legal services for you to legally change your name. 240bLegal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—6Paid in full1/1/2020
NetworkAttorneyServiceUncontested Court Adoption—Legal services for you to becomeadoptive parents. For international adoptions where a foreign attorneyis necessary, you are eligible to receive indemnity reimbursement inaddition to the benefits available in the United StatesPaid in fullNon-NetworkAttorney 400bContested Adoption—Legal services in a contested adoption for you Paid in fullto become adoptive parent(s). For international adoptions where aforeign attorney is necessary, you are eligible to receive indemnityreimbursement in addition to the benefits available in the United States1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3.Uncontested Guardianship/Conservatorship—Legal services in anuncontested guardianship/conservatorship for you to appoint or beappointed as a guardian/conservatorPaid in full 480Contested Guardianship/Conservatorship—Legal services in acontested guardianship/conservatorship for you to appoint or beappointed as a guardian/conservator1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 720b 1,800 c 100,000dMental Incompetency or Infirmity Proceedings—Legal services foryou in defense of mental incompetency or infirmity proceedings1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 960b 1,800 c3 100,000dConsumer Protection—Legal services for you as a plaintiff ordefendant regarding written, verbal, or implied contracts or warrantiesrelating to consumer goods or services and/or residential contractordisputes1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 800b 1,800 c 100,000dSmall Claims Court—Paid in full1. Legal services for you to obtain advice and counseling to bring aclaim in Small Claims Court (or similar court of limited civiljurisdiction)2. Legal services to defend an action in Small Claims Court(or similar court of limited civil jurisdiction) including representationin court where allowed by law1.2. 320b 400bDefense of Debt Collection—Legal services for you as the defendantin a legal dispute related to consumer goods or services1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 480b 1,800 c 100,000d1/1/2020UT-B10—7Paid in full 800b 1,800 c 100,000dLegal Insurance with ID Theft ProtectionACTIVE—SALARIED
y—Legal services for you up to and including filing of aChapter 7 bankruptcy final report or confirmation of a Chapter 13bankruptcy and including post confirmation amendments1. Chapter 72. Chapter 13Paid in full1.2. 880 1,200Foreclosure—Legal services for you regarding written notice offoreclosure related to your primary residence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dGarnishment—Legal services for you in a legal action for agarnishment against you to collect a judgment related to goods orservices. (Exclusion related to postjudgment garnishment is waived forthis benefit)1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dPersonal Property Protection—Legal services for you as a plaintiff or Paid in fulldefendant regarding contracts or obligations for the transfer of yourpersonal property or your personal property rights1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 320b 1,800 c 100,000dPurchase of Real Estate—Legal services for you for the purchase ofyour primary residence for the review and preparation of documentsincluding contract for purchase and attendance at closingPaid in full 320bSale of Real Estate—Legal services for you for the sale of yourprimary residence for the review and preparation of documentsincluding contract for purchase and attendance at closingPaid in full 320bPurchase/Sale: Secondary Residence—Legal services for you for the Paid in fullpurchase or sale of your secondary residence for the review andpreparation of documents including the contract for purchase or saleand attendance at closing 320bRefinancing: Primary Residence—Advice and review of relevantdocuments regarding refinancing of your primary residencePaid in full 160bReal Estate Disputes—Legal services for you as a plaintiff ordefendant in a dispute regarding contracts or obligations for theconstruction, purchase, or sale of your primary residence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3.Legal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—8 1,200b 1,800 c 100,000d1/1/2020
NetworkAttorneyServiceNon-NetworkAttorneyReal Estate Disputes: Secondary Residence—Legal services for you Paid in fullas a plaintiff or defendant in a dispute regarding contracts orobligations for the construction, purchase, or sale of your secondaryresidence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3.Document Preparation and Review—Legal services for you for thepreparation and review of: deeds, mortgages, promissory notes,affidavits, lease contracts, demand letters, and installment contracts 40 per documentPaid in full 1,200b 1,800 c 100,000dBuilding Codes—Legal services for you in an administrative action for Paid in fullpermit or code violations relating to the renovation and/or improvementof you existing primary residence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 400b 1,800 c 100,000dZoning and Variances—Legal services for you in an administrativeaction related to a zoning change, variance, or eminent domainproceeding involving your primary residence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 400b 1,800 c 100,000dEasement—Legal services for you in an administrative actionregarding an easement on your primary residence1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 400b 1,800 c 100,000dNeighbor Disputes—Legal services for you with a neighbor as aplaintiff or defendant in a dispute related to your primary residence,including boundary or property title disputes1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 720b 1,800 c 100,000dNeighbor Disputes: Secondary Residence—Legal services for youwith a neighbor as a plaintiff or defendant in a dispute related to yoursecondary residence, including boundary or property title disputes1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 720b 1,800 c 100,000dTenant Matters—Legal services for you as a plaintiff or defendant with Paid in fullyour landlord as a tenant of your primary residence, including but notlimited to, eviction and security deposit disputes1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 320b 1,800 c 100,000d1/1/2020UT-B10—9Legal Insurance with ID Theft ProtectionACTIVE—SALARIED
NetworkAttorneyServiceDefense of Civil Damage—Legal services for you in the defenseagainst civil damage(s) claims, except claims involving the ownershipor use of a motorized vehicle or claims that are covered by otherinsurance, or claims related to a felony charge1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionNon-NetworkAttorneyPaid in full1.2.3. 800b 1,800 c 100,000dIRS Audit Protection—Legal services for you involving InternalPaid in fullRevenue Service (IRS) audits related to your personal tax return wherethe initial written notice is received after your effective date1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 480b 1,800 c 100,000dIRS Collection Defense—Legal services for you in the defenseagainst collection actions by the IRS related to errors on your personaltax return where the initial written notice is received after your effectivedate1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dSocial Security/Veterans/Medicare—Legal services for you in anadministrative legal dispute arising out of Social Security, Veterans,Medicare, or Medicaid benefits1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 400b 1,800 c 100,000dPrenuptial Agreements—Preparation of premarital or antenuptialagreementPaid in full 320bProtection from Domestic ViolencePaid in full1. Legal services for the named plan member to obtain a protectiveorder related to domestic violence2. Legal services for you to obtain a protective order related todomestic violence when the opposing party is not a member underthe same Certificate1.2.Uncontested Divorce—Legal services for the named plan member inan uncontested divorce, a legal separation, and/or annulment ofmarriage 640bPaid in full 320b 320bContested Divorce (15 hours)—Legal services for the named planPaid in full up tomember in a contested divorce, a legal separation, and/or annulment of 15 hours permarriagecovered event 1,200bUncontested Child Support Enforcement —Legal services for youfor an uncontested motion brought by you to enforce a final decreeregarding child support 320bPaid in fullContested Child Support Enforcement (8 hours)—Legal services for Paid in full up to 8 640bhours per coveredyou for a contested motion brought by you to enforce a final decreeeventregarding child supportLegal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—101/1/2020
ed Post Decree Defense —Legal services for you for anuncontested motion brought against you to modify a final decree forchild support, child custody, child visitation, or alimonyPaid in fullContested Post Decree Defense (8 hours)—Legal services for youfor a contested motion brought against you to modify a final decree forchild support, child custody, child visitation, or alimonyPaid in full up to 8 640bhours per coveredeventUncontested Post Decree Enforcement (8 hours)—Legal servicesfor you for an uncontested motion brought by or against you to enforcea final decree regarding child custody, child visitation, or alimonyPaid in fullContested Post Decree Enforcement (8 hours)—Legal services foryou for a contested motion brought by or against you to enforce a finaldecree regarding child custody, child visitation, or alimonyPaid in full up to 8 640bhours per coveredeventSchool Administrative Hearing—Legal services for you in anadministrative public or private formal school proceeding related toprimary and secondary education regarding disabilities, specialeducation, and student policy violations1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dHabeas Corpus—Legal services prior to and at court proceedings1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dJuvenile Court Proceedings involving a covered child—Legalservices for your child charged with a crime (except those related totraffic matters) when the court proceedings are held in juvenile court. Ifthe matter is removed from juvenile court, coverage under this benefitwill cease as the date of the removal1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3. 480b 1,800 c 100,000dParental Responsibilities—Legal services for you in juvenile courtPaid in fullproceedings (except those involving traffic matters) where a state hasbrought an action regarding your parental responsibilities for a coveredchild1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3. 480b 1,800 c 100,000d1/1/2020UT-B10—11 320b 320bLegal Insurance with ID Theft ProtectionACTIVE—SALARIED
NetworkAttorneyServiceNon-NetworkAttorneyCriminal Misdemeanor Defense—Legal services for you in thedefense against charges filed in state or federal court for violation ofcriminal misdemeanor charges except those involving motorizedvehicles and domestic violence charges. If the charge is escalated to afelony, coverage will cease as of the date of escalation. If a felonycharge is reduced or pled down to a misdemeanor no coverageapplies.1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completionPaid in full1.2.3.Minor Traffic Offenses excluding DWI related—Legal services foryou in the defense of a traffic offense where the conviction of whichwould not result in the suspension or revocation of your drivingprivileges. This does not include driving while impaired or under theinfluence of drugs or alcohol, parking, and any non-moving offensePaid in full 240b 720b 1,800 c 100,000dDriving Privilege Protection excluding DWI related—Legal services Paid in fullfor you in the defense of a traffic offense where conviction of theoffense will directly result in the suspension or revocation of yourdriving privileges. This does not include driving while impaired or underthe influence of drugs or alcohol or a related offense1. Legal services prior to trial2. Trial for 3 days or less3. Trial starting on day 4 until completion1.2.3.Driving Privilege Restoration excluding DWI related—Legalservices for you in an administrative proceeding for the restoration ofyour suspended or revoked driving privileges. This does not includedriving while impaired or under the influence of drugs or alcohol or arelated offensePaid in full 240bWills and Durable Powers of Attorney—Individual will or spousalwill(s). Does not include any tax planning services done in connectionwith the willPaid in full 320 singledocument 400 spousaldocumentsCodicil—Amendment to a willPaid in full 40 singledocument 80 spousaldocumentsLiving Will/Health Care DirectivePaid in full 40 singledocument 80 spousaldocumentsPower of Attorney/Financial Power of AttorneyPaid in full 40 singledocument 80 spousaldocumentsIrrevocable Trusts—Legal services for you for the preparation of astand-alone irrevocable trustPaid in full 320b singledocument 400b spousaldocumentsLegal Insurance with ID Theft ProtectionACTIVE—SALARIEDUT-B10—12 400b 1,800 c 100,000d1/1/2020
NetworkAttorneyServiceNon-NetworkAttorneyRevocable Trusts—Legal services for you for the preparation of astand-alone revocable living trustPaid in fullEstate Administration and Estate Closing—9 hoursLegal services provided to you in administering an estate where youhave been named the executorPaid in full up to 9 720bhours per coveredeventGeneral in Office Services—Legal advice, negotiation, documentpreparation, and review in office with an attorney (except those relatedto events that specifically excluded or otherwise not covered)Paid in full up to 4 480bhours percertificate year 320b singledocument 400b spousaldocumentsa Eligibility, coverage, limitations and exclusions are governed by a separate coverage document.Please see the identity theft plan summary for details.b Non-Network Attorney Indemnity Benefits are up to the stated amount.c Trial Indemnity Benefits are 300 per half day of trial time up to the stated amount.d Trial Indemnity Benefits are 400 per half day of trial time up to the stated amount.Services Not CoveredPre-existing ConditionsAny legal matter that occurs or is initiated prior to your effective date will be considered excluded, and nobenefits will apply. ARAG defines “initiated” as the earlier of the date(a) written notice of a legal
legal plan from ARAG offers affordable and knowledgeable legal counsel through professional legal guidance and valuable resources to protect you and your loved ones and to help you address everyday life matters or situations that may turn into legal matters, such as:
