ARAG Legal Solutions Guide

A R A G ® L E G A L C E N T E R

A Simple Way to Provide Choice to All Your Employees

ARAG®400 Locust Street, Suite 480

Des Moines, IA 50309

800-888-4184 ext. 237

515-246-8710 Fax

ARAGgroup.com

© 2012 ARAG North America, Inc. 244211v2

Limitations and exclusions apply. 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 or Advisory Communication Systems, Inc.,

depending on the product and state. Some products are only available through membership in the ARAG Association LC. This material is for illustrative purposes only and is not a contract.

For terms, benefi ts or exclusions, call our toll-free number.

ULT

IMA

TE

AD

VIS

OR

®

UltimateAdvisorComprehensive Legal Coverage Helps Your Employees Address Life’s Legal IssuesYour employees will be backed by the strength of all of our products wrapped up into one comprehensive legal insurance plan –

UltimateAdvisor. A benefi t off ering unmatched in the industry and designed to reduce worry and eliminate high cost legal fees.

With UltimateAdvisor, your employees have access to the following benefi ts:

Education Center

DIY Docs

LawPhone

Plus, these additional services:

Attorney Services: Employees can meet with a local attorney, who off ers a wide range of paid-in-full services, including:

– Document Review and Preparation – Legal Advice and Consultation

– Follow-up Calls and Letters – Court Representation

Broader and Deeper Coverage: UltimateAdvisor provides legal services to protect your employees in all areas of life –

and most legal issues are 100% paid-in-full, including:

– Bankruptcy and Debt – Criminal Matters – Real Estate Issues

– Caregiving Issues – Family Law Matters – Traffi c Matters

– Consumer Protection Issues – Landlord/Tenant Matters – And More

Network Attorney Guarantee: ARAG guarantees an attorney within 30 miles of your employee’s home or work.

Reduced Fee Benefi ts: Employees will receive at least 25% off a Network Attorney’s normal hourly rate for other

personal legal matters.

Legacy Planning: Employees can work directly with an attorney to create or update the following legal documents:

– Financial Power of Attorney – Living Will – Complex Will

– Health Care Power of Attorney – Standard Will

101

ARAG Legal

Center: Help 100% of your employees with life’s legal challenges.

“3 out of 4 employees experienced at least one legal life event in the past year.1 Yet 1 in 3 employees has a plan to pay for legal expenses that occur.” 2

1 “Consumer Legal & Financial Woes Study,” Conducted by Russell Research and commissioned by ARAG,

March 2012. 2 “Legal Needs of Today’s Multi-Generational Workforce,” a national study conducted by Russell

Research and commissioned by ARAG, March 2012.

Legal Relief and Cost Savings for Your Employees. Reduced Stress in Your Workplace.

800-888-4184 ext. 237 ARAGgroup.com

ARAG Legal Center Flexible, Aff ordable Legal Solutions that Benefi t All Your EmployeesLooking for an employee-paid benefi t that helps all your employees and comes with no direct

cost to your company? Turn to the ARAG Legal Center – a fl exible platform of aff ordable legal solutions that meets all your employees’ needs.

While your employees are at work each day, many are burdened with personal legal and fi nancial

issues – and are unsure of what to do next. Now you can off er them a wide range of choices to

help them address these issues – and reduce the intimidation, confusion and high costs of legal

protection.

Off er the ARAG Legal Center, an easy way for your employees to regain control.

29

UltimateAdvisor: Help your employees prevent and resolve life’s legal and fi nancial issues.

“[The Network Attorney] is everything you wish for in an attorney. His knowledge, attitude and patience in walking me through the legal process made a diffi cult situation easy to understand and handle. It took all of the stress out of the unknown.”

– Julie G., Oakdale, MN

Plan Member

ARAG Legal Center

EducationCenter™

DIY Docs®

LawPhone®

UltimateAdvisor®

Legal Solutions for Every Employee.A Valuable, Employee-Paid Benefi t at No Cost to You.


LA

WP

HO

NE

®

LawPhone A Direct Line to Legal and Financial AssistanceYour employees can call ARAG to receive trusted advice and consultation from experienced Network Attorneys and

Financial Counselors for a variety of personal legal and fi nancial matters. It’s like giving your employees access to their own “Board of Advisors” to turn to whenever they need help.

With LawPhone, your employees have access to the following benefi ts:

Education Center

DIY Docs


CaseAssist™: ARAG Customer Care Specialists help your employees navigate their legal issues by listening to

their needs, walking them through their benefi ts and providing choices to address their issues.

Legal Hotline: Toll-free legal advice from attorneys in every state plus Puerto Rico on virtually any personal

legal matter. Additional attorney services include:

– Document Review and Preparation – 24/7 Emergency Phone Assistance

– Follow-up Calls and Letters

Reduced Fee Benefi ts: Employees will receive at least 25% off a Network Attorney’s normal hourly rate for

other personal legal matters.

Financial Wellness Hotline: Toll-free access to Financial Counselors for fi nancial education and guidance.

Online Financial Tools and Resources: Access to more than 300 articles on various fi nancial topics, interactive

calculators, a personal fi nancial plan and a mutual fund research center.

Identity Theft Services: Toll-free access to Certifi ed Identity Theft Case Managers and online resources to help

your employees prevent and recover from identity theft.

Legacy Planning: Work with attorneys over the phone to create these essential legal documents:

– Financial Power of Attorney – Living Will


83

“The website covers most questions anyone would have.”– Richard B., Roseville, CA

Plan Member

Education Center: Off er all your employees this free online legal benefi t – without any direct cost to you.

Fewer Worries for Your Employees.More Productive Employees at Work.


ED

UC

AT

ION

CE

NT

ER

™

Education Center Free Legal Tools and Resources to Empower Your EmployeesWith the Education Center from ARAG, your employees receive a FREE benefi t – at no cost to you. All your employees have access to online legal resources to become more informed about

the legal issues that impact them.

The Education Center includes the following online benefi ts:

The Law Guide: A collection of articles that contain insightful and timely information on

a wide range of legal topics.

How-To Resources: Informative materials – including Guidebooks and Videos – that

touch on key consumer issues currently impacting employees, such as caregiving, estate

planning, debt collection and more.

LawExpresso®: A free e-newsletter packed with timely and helpful legal tips.

Legal Glossary: Easy-to-understand defi nitions that eliminate the confusion and

intimidation of legal terminology.

Personal Information Organizer: A document that helps employees keep track of

critical, personal information all in one place.

Legacy Planning: Essential legal documents and tools off ered to all employees during

the Benefi ts Open Enrollment Period to help them protect their families and plan for the

future.

– Health Care Power of Attorney

– Living Will

47

LawPhone:Off er your employees direction with convenient access to helpful legal and fi nancial advice.

“[The Network Attorney] explained the situation and my options, and sent me the information I needed for next steps.”– Stephanie L., Lake Stevens, WA

Plan Member

Free Education for All Your Employees.Enhanced Benefi ts for Your Organization.


6

DIY

DO

CS

®

DIY Docs A Simple, Secure Way to Create Online DocumentsDIY Docs (Do-It-Yourself Documents) is an aff ordable solution for your employees that allows them to

effi ciently and safely create legally valid documents online at their own pace, when it’s convenient for

them. Best of all, it requires no costs or administration on your part since it’s direct pay.

With an annual subscription to DIY Docs, your employees receive the following benefi ts:

Education Center


Legally Valid Documents: Online access to more than 300 state-specifi c documents authored and

reviewed by attorneys for accuracy and state-specifi c compliance in all 50 states. These documents

can assist your employees with everyday life, including issues involving:

– Automobiles – Real Estate

– Caregiving – Marital Issues

– Estate Administration – Miscellaneous

– Finances

Easy-to-use Interactive Document Assembly Tool: Helps your employees effi ciently create legally

valid documents by asking them simple questions.

My Documents: Online document storage and 24/7 access for your employees to create, update,

retrieve and print documents.

Legacy Planning: Additional legal documents employees can easily create online using DIY Docs:



DIY Docs: Empower your employees to take control of life’s issues on their own.

5

“ I absolutely love this site. It’s easy to access and fi nd your way around to what’s needed. It’s absolutely awesome that these documents are available to us.”

– Shenel B., Rosharon, TX

Plan Member

An Easy-to-Use Legal Solution for Your Employees. A Hassle-Free Legal Benefi t for Your Organization.


6

DIY

DO

CS

®

DIY Docs A Simple, Secure Way to Create Online DocumentsDIY Docs (Do-It-Yourself Documents) is an aff ordable solution for your employees that allows them to

effi ciently and safely create legally valid documents online at their own pace, when it’s convenient for

them. Best of all, it requires no costs or administration on your part since it’s direct pay.

With an annual subscription to DIY Docs, your employees receive the following benefi ts:

Education Center


Legally Valid Documents: Online access to more than 300 state-specifi c documents authored and

reviewed by attorneys for accuracy and state-specifi c compliance in all 50 states. These documents

can assist your employees with everyday life, including issues involving:

– Automobiles – Real Estate

– Caregiving – Marital Issues

– Estate Administration – Miscellaneous

– Finances

Easy-to-use Interactive Document Assembly Tool: Helps your employees effi ciently create legally

valid documents by asking them simple questions.

My Documents: Online document storage and 24/7 access for your employees to create, update,

retrieve and print documents.

Legacy Planning: Additional legal documents employees can easily create online using DIY Docs:



DIY Docs: Empower your employees to take control of life’s issues on their own.

5

“ I absolutely love this site. It’s easy to access and fi nd your way around to what’s needed. It’s absolutely awesome that these documents are available to us.”

– Shenel B., Rosharon, TX

Plan Member

An Easy-to-Use Legal Solution for Your Employees. A Hassle-Free Legal Benefi t for Your Organization.


ED

UC

AT

ION

CE

NT

ER

™

Education Center Free Legal Tools and Resources to Empower Your EmployeesWith the Education Center from ARAG, your employees receive a FREE benefi t – at no cost to you. All your employees have access to online legal resources to become more informed about

the legal issues that impact them.

The Education Center includes the following online benefi ts:

The Law Guide: A collection of articles that contain insightful and timely information on

a wide range of legal topics.

How-To Resources: Informative materials – including Guidebooks and Videos – that

touch on key consumer issues currently impacting employees, such as caregiving, estate

planning, debt collection and more.

LawExpresso®: A free e-newsletter packed with timely and helpful legal tips.

Legal Glossary: Easy-to-understand defi nitions that eliminate the confusion and

intimidation of legal terminology.

Personal Information Organizer: A document that helps employees keep track of

critical, personal information all in one place.

Legacy Planning: Essential legal documents and tools off ered to all employees during

the Benefi ts Open Enrollment Period to help them protect their families and plan for the

future.

– Health Care Power of Attorney

– Living Will

47

LawPhone:Off er your employees direction with convenient access to helpful legal and fi nancial advice.

“[The Network Attorney] explained the situation and my options, and sent me the information I needed for next steps.”– Stephanie L., Lake Stevens, WA

Plan Member

Free Education for All Your Employees.Enhanced Benefi ts for Your Organization.


LA

WP

HO

NE

®

LawPhone A Direct Line to Legal and Financial AssistanceYour employees can call ARAG to receive trusted advice and consultation from experienced Network Attorneys and

Financial Counselors for a variety of personal legal and fi nancial matters. It’s like giving your employees access to their own “Board of Advisors” to turn to whenever they need help.

With LawPhone, your employees have access to the following benefi ts:

Education Center

DIY Docs


CaseAssist™: ARAG Customer Care Specialists help your employees navigate their legal issues by listening to

their needs, walking them through their benefi ts and providing choices to address their issues.

Legal Hotline: Toll-free legal advice from attorneys in every state plus Puerto Rico on virtually any personal

legal matter. Additional attorney services include:

– Document Review and Preparation – 24/7 Emergency Phone Assistance

– Follow-up Calls and Letters

Reduced Fee Benefi ts: Employees will receive at least 25% off a Network Attorney’s normal hourly rate for

other personal legal matters.

Financial Wellness Hotline: Toll-free access to Financial Counselors for fi nancial education and guidance.

Online Financial Tools and Resources: Access to more than 300 articles on various fi nancial topics, interactive

calculators, a personal fi nancial plan and a mutual fund research center.

Identity Theft Services: Toll-free access to Certifi ed Identity Theft Case Managers and online resources to help

your employees prevent and recover from identity theft.

Legacy Planning: Work with attorneys over the phone to create these essential legal documents:



83

“The website covers most questions anyone would have.”– Richard B., Roseville, CA

Plan Member

Education Center: Off er all your employees this free online legal benefi t – without any direct cost to you.

Fewer Worries for Your Employees.More Productive Employees at Work.


ARAG Legal Center Flexible, Aff ordable Legal Solutions that Benefi t All Your EmployeesLooking for an employee-paid benefi t that helps all your employees and comes with no direct

cost to your company? Turn to the ARAG Legal Center – a fl exible platform of aff ordable legal solutions that meets all your employees’ needs.

While your employees are at work each day, many are burdened with personal legal and fi nancial

issues – and are unsure of what to do next. Now you can off er them a wide range of choices to

help them address these issues – and reduce the intimidation, confusion and high costs of legal

protection.

Off er the ARAG Legal Center, an easy way for your employees to regain control.

29

UltimateAdvisor: Help your employees prevent and resolve life’s legal and fi nancial issues.

“[The Network Attorney] is everything you wish for in an attorney. His knowledge, attitude and patience in walking me through the legal process made a diffi cult situation easy to understand and handle. It took all of the stress out of the unknown.”

– Julie G., Oakdale, MN

Plan Member

ARAG Legal Center

EducationCenter™

DIY Docs®

LawPhone®

UltimateAdvisor®

Legal Solutions for Every Employee.A Valuable, Employee-Paid Benefi t at No Cost to You.


ULT

IMA

TE

AD

VIS

OR

®

UltimateAdvisorComprehensive Legal Coverage Helps Your Employees Address Life’s Legal IssuesYour employees will be backed by the strength of all of our products wrapped up into one comprehensive legal insurance plan –

UltimateAdvisor. A benefi t off ering unmatched in the industry and designed to reduce worry and eliminate high cost legal fees.

With UltimateAdvisor, your employees have access to the following benefi ts:

Education Center

DIY Docs

LawPhone


Attorney Services: Employees can meet with a local attorney, who off ers a wide range of paid-in-full services, including:

– Document Review and Preparation – Legal Advice and Consultation

– Follow-up Calls and Letters – Court Representation

Broader and Deeper Coverage: UltimateAdvisor provides legal services to protect your employees in all areas of life –

and most legal issues are 100% paid-in-full, including:

– Bankruptcy and Debt – Criminal Matters – Real Estate Issues

– Caregiving Issues – Family Law Matters – Traffi c Matters

– Consumer Protection Issues – Landlord/Tenant Matters – And More

Network Attorney Guarantee: ARAG guarantees an attorney within 30 miles of your employee’s home or work.

Reduced Fee Benefi ts: Employees will receive at least 25% off a Network Attorney’s normal hourly rate for other

personal legal matters.

Legacy Planning: Employees can work directly with an attorney to create or update the following legal documents:

– Financial Power of Attorney – Living Will – Complex Will


101

ARAG Legal

Center: Help 100% of your employees with life’s legal challenges.

“3 out of 4 employees experienced at least one legal life event in the past year.1 Yet 1 in 3 employees has a plan to pay for legal expenses that occur.” 2

1 “Consumer Legal & Financial Woes Study,” Conducted by Russell Research and commissioned by ARAG,

March 2012. 2 “Legal Needs of Today’s Multi-Generational Workforce,” a national study conducted by Russell

Research and commissioned by ARAG, March 2012.

Legal Relief and Cost Savings for Your Employees. Reduced Stress in Your Workplace.


A R A G ® L E G A L C E N T E R

A Simple Way to Provide Choice to All Your Employees

ARAG®400 Locust Street, Suite 480

Des Moines, IA 50309

800-888-4184 ext. 237

515-246-8710 Fax

ARAGgroup.com

© 2012 ARAG North America, Inc. 244211v2

Limitations and exclusions apply. 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 or Advisory Communication Systems, Inc.,

depending on the product and state. Some products are only available through membership in the ARAG Association LC. This material is for illustrative purposes only and is not a contract.

For terms, benefi ts or exclusions, call our toll-free number.