The ARAG Legal Insurance Plan

Plan Booklet

University of California

Eective Date: January 1, 2024

The ARAG

Legal Insurance Plan

The ARAG Legal Insurance Plan

This booklet describes the benets included in The ARAG

Legal Insurance Plan including the available service and

insurance benets. Final interpretation of any described

benet is governed by the group insurance contract.

The benets described in this booklet are available under

the group insurance contract when you are an eligible

Employee/Retiree and have elected to participate, and have

retained your participation in accordance with the terms and

conditions of the group insurance contract.

This booklet replaces any older booklets issued to you.

Except when otherwise indicated by the context of this

booklet, any masculine terminology herein will also include

the feminine, and the denitions of any terms in the singular

also include the plural.

Contents

Table of Contents

Section I: University of California Eligibility and Enrollment.....................................................Page 4

A. Eligibility

B. Enrollment

Section II: The ARAG Legal Insurance Plan........................................................................Page 4

A. Benets under The ARAG Legal Insurance Plan Consist of Three Parts

Part I ‑ Legal Representation

Part II ‑ Telephone Legal Advice and Consultation

Part III ‑ Additional Benets

‑ Online Tools and Resources

‑ Tax Services

‑ Services for Parents and Grandparents

‑ Identity The Protection

‑ Reduced Fee Benet for Non‑Covered Matters

‑ Reduced Contingency Fee

B. Pre‑existing Conditions

C. Freedom of Choice of an Attorney

D. Condentiality

E. Reimbursement of Legal Fees

F. Eligible Charges

G. Extension of Benets

H. Conversion

Section III: Schedule of Benets ...................................................................................Page 7

A. Benets

B. Exclusions and Limitations

Section IV. Glossary ............................................................................................... Page 37

Section V. Grievance Procedures ................................................................................Page 39

Section VI. How To Use The ARAG Legal Insurance Plan.......................................................Page 40

A. Customer Care

B. Telephone Legal Advice and Consultation

C. Legal Representation

D. Filing Your Indemnity Claim

E. Additional Services

Section VII. Coordination of Benets ............................................................................ Page 45

Section I

UNIVERSITY OF CALIFORNIA ELIGIBILITY,

ENROLLMENT, TERMINATION AND PLAN

ADMINISTRATION PROVISIONS

January 1, 2022

The University establishes its own legal plan eligibility,

enrollment and termination criteria based on the University

of California Group Insurance Regulations and any

corresponding Administrative Supplements.

A. Eligibility

Employees

For eligibility and enrollment information, go to UCnet

https://ucnet.universityofcalifornia.edu/compensation‑and‑

benets/eligibility/index.html.

Retirees

For eligibility and enrollment information, go to UCnet

https://ucnet.universityofcalifornia.edu/compensation‑and‑

benets/eligibility/index.html.

B. Enrollment

Employees

For eligibility and enrollment information, go to UCnet

https://ucnet.universityofcalifornia.edu/compensation‑and‑

benets/eligibility/index.html.

Retirees

For eligibility and enrollment information, go to UCnet

https://ucnet.universityofcalifornia.edu/compensation‑and‑

benets/eligibility/index.html.

Section II

The ARAG Legal Insurance Plan

A. Benefits Under The ARAG Legal Insurance Plan

Consist of Three Parts

The person must be an Insured when each service is furnished.

Part I – Legal Representation

Attorney’s Fees for most covered (and not excluded)

services are 100% paid‑in‑full when using a network

attorney. Or use a non‑network attorney and be reimbursed

up to the non‑network attorney benet. For a detailed

description of services and what the benets are, see

Section III. There is a maximum reimbursement amount

(see “List of Benets”). Not all charges are eligible and some

charges are eligible only to a limited extent.

There is also a Conversion Plan that may apply aer

a person ceases to be covered under The ARAG Legal

Insurance Plan (see conversion).

Part II – Telephone Legal Advice and Consultation

This part of the plan provides services to Insureds through a

Telephone network attorney. There is no network attorney

Fee for these services. The preventive legal services

provided by the Telephone network attorney are those

contained in the List of Benets that involve the Insured’s

legal aairs, and are not services that involve a visit to an

Attorney’s oce or are otherwise not covered. The services

described will be provided to an Insured at the discretion of

the Telephone network attorney. The Telephone network

attorney will not charge an Insured for these services.

Telephone Legal Advice and Consultation are not available

for matters outside the jurisdiction of the United States.

Part III ‑Additional Benefits

Online Legal Tools and Resources

This part of the plan provides Insureds the opportunity to

receive services online. There is no additional fee for these

services.

Services for Parents and Grandparents

This part of the benet oers access to network attorneys

and other professionals who can help nd caregiving

options for your parents or grandparents. You talk with an

Eldercare Advocate who can:

Section I and Section II

• Assess your parent’s or grandparent’s eldercare needs

(e.g. cooking, cleaning, medications, transportation, home

health, assisted‑living and nursing home facilities), answer

questions, provide information and resources, and help

develop care plans.

• Send a personalized information guide with a list of

assisted living facilities, nursing home or healthcare

agencies, including comparative quality‑of‑care ratings

and reports on thousands of facilities and agencies.

• Search for available assisted living facilities, nursing

homes, home healthcare agencies and adult day care

providers and their rates, then negotiate discounts for

facilities when available.

Your parents/grandparents will also have access to a

network attorney for legal advice on elder law issues (e.g.,

Medicare/Social Security benets, estate planning, real

estate). They can also meet with a network attorney once a

year for an annual legal check‑up.

Tax Services

This part of the plan provides you with year‑round access to

experienced tax specialists. You can call toll‑free for a one‑

on‑one consultation if you have questions or need advice

regarding your personal, non‑business related tax matters.

You’ll also benet from discounted personal tax return

preparation services.

There is a $195 cost for each tax preparation. Tax

preparation includes federal tax return, state tax return,

local tax return and any additional tax preparation needs.

Identity Theft Protection

A service that gives you access to:

• Identity Theft Materials, including:

‑ An Identity Theft Prevention Kit to help protect

yourself from becoming a victim.

‑ An Identity Theft Victim Action Kit to help speed your

recovery should you become a victim of identity theft.

‑ A tracking document to help you keep track of phone

calls, e‑mails and letters for attorneys.

‑ An Identity Theft Affidavit to help you report your

identity theft to necessary parties.

• Identity The Case Specialists who will help you

determine appropriate steps to begin recovery and

monitor the progress.

• Full‑Service Identity Restoration: Identity The

Restoration Specialists provide full‑service identity

restoration services, including specialized limited

power of attorney to work on your behalf to restore

your identity.

• Lost Wallet Services: Identity The Restoration

Specialists assist you in canceling and reissuing

personal documents such as credit cards, driver’s

license, Social Security cards, etc. ‑ due to lost or stolen

wallet or identity documents.

• Identity The Insurance: Should you become a victim

of identity the, Identity The Insurance provides

coverage up to $1 million for expenses associated with

restoring your identity. (Eligibility, coverage, limitations

and exclusions are governed by a separate Master

Policy. Please see the Identity The Plan Summary for

details.)

In order to use the following services, you will need to log in

and establish an online monitoring account.

• Single‑Bureau Credit Monitoring: Services designated

to track and inform you of any activities or changes to

your credit ‑ including loan applications, credit card

activations, delinquencies, etc.

• Internet Surveillance: Service that monitors thousands

of websites and millions of data points, alerting you if

your personal information is found being bought or sold

online.

• Child Identity Monitoring: Service that monitors your

minor child’s personal information and Social Security

number for activity on the dark web. It also monitors a

minor child’s Social Security number to identify credit

information associated with their identity.

• Change of Address Monitoring: Alerts you if a change of

address request has been submitted to the U.S. Postal

Service for your address.

Reduced Fee Benet for Non‑Covered Matters

This part of the plan oers reduced fees of at least 25%

o the network attorney’s normal rate, for services not

covered and not excluded. The initial consultation for each

legal matter will be provided at no cost. If you retained the

services of a network attorney prior to the eective date of

your legal insurance membership, the reduced fee benet is

not available.

Reduced Contingency Fee

This part of the plan provides caps on the percentage of

any settlement arrangements on contingency fee cases.

Fees for network attorneys will not exceed 25% of the net

Section II

The ARAG Legal Insurance Plan

Section II

The ARAG Legal Insurance Plan

recovery if successfully resolved before trial, or will not

exceed 33% of the net recovery if successfully resolved

during or aer trial, or will not exceed 40% of the net

recovery if successfully resolved on or aer an appeal. The

initial consultation for each legal matter will be provided

at no cost. If you retained the services of a network

attorney prior to the eective date of your legal insurance

membership, the reduced fee benet is not available.

B. Pre‑Existing Conditions

Any legal matter that occurs or is initiated prior to the

eective date of an Insured will be considered excluded and

no benets will apply. ARAG denes this as an event covered

by this policy whose initiation date will be considered

the earlier of the date (a) written notice of a legal dispute

is sent or led by you or received by you; or (b) a ticket

or citation is issued; or (c) an attorney is hired. If your

matter is considered pre‑existing, paid‑in‑full oce visit or

representation coverage is not available; however, as long as

the matter is not listed under “Exclusions” in the plan, you

are able to receive advice from a network attorney under

the telephone legal access services benet. You can also

receive a reduced fee benet of at least 25% o the network

attorney’s normal hourly rate if you have not previously

hired an attorney.

C. Freedom of Choice of an Attorney

An Insured may choose any Attorney to provide Legal

Representation. Except for the provisions of the Benets

and the requirement of information for claim processing,

neither ARAG nor the University of California will interfere

with the Insured’s Attorney. The Attorney’s obligation will

be only with and to the Insured. If an Insured chooses to

use a Non‑Network Attorney the Non‑Network Attorney

indemnity benet schedule will apply.

D. Confidentiality

An Insured is assured full condentiality with respect to

calls and problems discussed with any Service Provider

or Attorney with respect to claims submitted for Legal

Representation under The ARAG Legal Insurance Plan.

E. Reimbursement of Legal Fees

The Benet amount payable for legal services furnished to an

Insured is the amount of the eligible charges for those legal

services, but not more than these limits.

• For Legal Representation by a network attorney, see the

limits determined from the Schedule of Benets list of

legal services in Section III.

• For Legal Representation by a Non‑Network Attorney,

see the indemnity reimbursement amounts shown in

the Schedule of Benets in Section III.

• Only one Benet shall be payable for all legal services

arising out of a single cause of action or event resulting

in the need for the legal services. ARAG will decide

which Benet shall be payable.

If a court awards Attorney fees to an Insured in connection

with covered Benets, ARAG may require the Insured to

assign all rights of recovery of the legal fees to the extent

of the payment that was made by them. If an assignment is

sought, an Insured must cooperate with ARAG.

F. Eligible Charges

A charge is an eligible charge if all these conditions are met:

• It is for a covered legal service furnished to an Insured

while the plan is in eect;

• The service involves an Insured’s personal legal matters

and is contained in the List of Benets; and

• The person is an Insured when the service is furnished.

G. Extension of Benefits

If coverage for you or one of your covered dependents is

terminated, your legal services coverage (except Telephone

Legal Advice and Consultation) will be extended to cover

legal services in progress prior to the date the coverage

terminated until the services are completed.

H. Conversion

To receive UltimateAdvisor Conversion Plan information and

to enroll online, visit www.ARAGLegal.com/conversion.

Call an ARAG Customer Care Specialist toll‑free at

800‑828‑1395 (TTD 800‑383‑4184) to request plan

information and enrollment materials.

Complete and sign the Enrollment Form, (and a blank

voided check or required savings account information if

choosing the bank dra option), and mail to: ARAG, ATTN:

Eligibility, 500 Grand Avenue, Suite 100, Des Moines, IA

50309 or fax to 515‑246‑8816.

ARAG must receive these materials – which include

arrangements for premium payment within 90 days of the

disqualifying event.

Section III

Schedule of Benets

Note: You must have family participation in order for your

eligible dependents to utilize the Schedule of Benets.

A. Benefits

The Schedule of Benets applies to an Insured when the

Schedule of Benets specically states that Benet. It

includes only Benets included in the list. However, if the

law of jurisdiction where the Benet is furnished uses legal

terms that dier from those in the list provided, ARAG will

determine the equivalent Benet from the list provided.

The benet year is a 12‑month period based on a calendar

year. A Benet may be furnished for more than one insured

in a Family Unit with respect to the same event or cause of

action resulting in the need for that Benet. In that case,

only one Benet will be considered to have been furnished.

If a Non‑Network Attorney is used, the amounts payable

under that Benet may be up to the limits on the following

schedule.

You can choose a Non-Network Attorney instead of a Network Attorney. If you choose a Non-Network

Attorney for covered legal services provided to you resulting in an insured event which occurs after your

effective date and while your Certificate of Insurance is in effect, we will reimburse you for the attorney

fees for covered legal services up to the maximum amounts listed below.

Only matters expressly listed are covered benefits and are paid as indicated below.

If the named insured purchased only individual coverage, legal services rendered to persons other than

the named insured are not covered.

How to Obtain In-Office Legal Services and Court Representation

You may choose a Network Attorney or Non-Network Attorney as follows:

Network Attorney Services

There are Network Attorneys throughout your state. To obtain a list of Network Attorneys you can:

1. Call 800-247-4184 and a Customer Service Specialist will assist you by:

● Describing how the plan benefits work and what types of situations are covered.

● Providing you a listing of Network Attorneys specific to your need.

● Providing a Case Confirmation Number that outlines your coverage.

2. Visit our Web site at ARAGlegal.com and log on as a member and search using the Attorney Finder.

Simply call an attorney for an appointment. When you call, identify yourself as a member of your group's

legal plan. If you have a Case Confirmation Number, you should provide it to the Network Attorney. If not,

the Network Attorney may call us to confirm your coverage and then proceed to provide services. If you

choose a Network Attorney to provide covered legal services, the Network Attorney will bill us directly for

his/her attorney fees.

Non-Network Attorney Services

If you choose a Non-Network Attorney, we will pay your attorney fees for covered legal services

according to the Non-Network Attorney indemnity benefits schedule. Instructions for submitting a claim

are printed on the claim form. For a form, call 800-247-4184. Or you can download a form from our Web site

at ARAGlegal.com.

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Annual Accounting - Guardianship/

Conservatorship

Legal services for an insured in required

annual accounting court proceeding(s)

regarding guardianship/conservatorship.

PAID IN FULL $ 160*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Uncontested Adoption

Legal services

in an uncontested

adoption for an insured to become an

adoptive parent(s).

PAID IN FULL $ 400*

In international adoptions, where a

foreign attorney is necessary, you

are eligible to receive indemnity

reimbursement in addition to the benefits

available in the United States.

Contested Adoption

Legal services

in a contested adoption

for an insured to become an adoptive

parent(s).

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

In international adoptions, where a

foreign attorney is necessary, you

are eligible to receive indemnity

reimbursement in addition to the benefits

available in the United States

Building Codes

Legal services for an insured in an

administrative action for permit or code

violations relating to the renovation and/

or improvement of your existing primary

residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Defense of Civil Damage Claims

Legal services for an insured in defense

against civil damage(s) claims, except

claims involving the ownership or use

of a motorized vehicle, claims which are

covered by other insurance, or claims

related to a felony charge.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Criminal Misdemeanor Defense

Legal services for an insured in the

defense against criminal misdemeanor

charges, except those involving motorized

vehicles and domestic violence charges.

If the charge is escalated to a felony,

coverage will cease as of the date of the

escalation. If a felony charge is reduced or

pled down to a misdemeanor no coverage

applies.

PAID IN FULL $ 720*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Uncontested Divorce

Legal services for the named insured

in an uncontested divorce, a legal

separation and/or an annulment of

marriage.

PAID IN FULL $ 640*

Contested Divorce - 25 hours

Legal services for the named insured in

a contested divorce, a legal separation

and/or an annulment of marriage.

PAID IN FULL

(up to 25 hours per

insured event)

$ 2,000*

Driving Privilege Protection

Legal services for an insured in the

defense of a traffic offense where

conviction of the offense will directly result

in the suspension or revocation of your

driving privileges.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Driving Privilege Restoration

Legal services for an insured in

an administrative proceeding for the

restoration of suspended or revoked

driving privileges of an insured.

PAID IN FULL $ 240*

Easement

Legal services for an insured in an

administrative action regarding an

easement on your primary residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Estate Administration & Estate Closing

(Probate) - 9 hours

Legal services for an insured in

administering an estate where you have

been named the executor.

PAID IN FULL

(up to 9 hours per

insured event)

$ 720*

Expungement

Legal services for an insured for the

expungement of your criminal record.

PAID IN FULL $ 240*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Foreclosure

Legal services for an insured regarding

written notice of a foreclosure related to

your primary residence.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Defense of Garnishment

Legal services for an insured in a legal

dispute for a garnishment against you

to collect judgment related to goods or

services.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

(Exclusion #3 as it relates to post judgment

garnishment is waived for this benefit.)

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Uncontested Guardianship/Conservatorship

Legal services in an uncontested

Guardianship/Conservatorship for an

insured to appoint or be appointed as a

Guardian/Conservator.

PAID IN FULL $ 480*

Contested Guardianship/Conservatorship

Legal services in a contested

Guardianship/Conservatorship for an

insured to appoint or be appointed as a

Guardian/Conservator.

PAID IN FULL $ 720*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Habeas Corpus Proceedings

Legal services for an insured in habeas

corpus proceedings.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Mental Incompetency or Infirmity

Proceedings

Legal services for an insured in defense

of mental incompetency or infirmity

proceedings.

PAID IN FULL $ 960*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Protection of Inheritance Rights - 6 hours

Legal services for an insured claiming

the right to inherit from or assert a claim

against a deceased person’s estate.

PAID IN FULL

(up to 6 hours per

insured event)

$ 480*

Minor Traffic - Broad (excluding DWI-

related)

Legal services for an insured in the

defense of a traffic offense, the conviction

of which would not result in suspension

or revocation of your driving privileges.

(Does not include driving while impaired or

under the influence of drugs or alcohol or

any non-moving offense.)

PAID IN FULL $ 240*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Neighbor Disputes

Legal services for an insured with

a neighbor as a plaintiff or defendant

in a dispute related to your primary

residence, including boundary or property

title disputes.

PAID IN FULL $ 720*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Neighbor Disputes - Secondary Residence

Legal services for an insured with a

neighbor as a plaintiff or defendant in

a dispute related to your secondary

residence, including boundary or property

title disputes.

PAID IN FULL $ 720*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Parental Responsibilities

Legal services for an insured in juvenile

court proceedings (except those involving

traffic matters) where a state has brought

an action regarding your parental

responsibilities for an insured child.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Personal Property Protection

Legal services for an insured as a

plaintiff or defendant regarding contracts

or obligations for the transfer of your

personal property or your personal

property rights.

PAID IN FULL $ 320*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Postnuptial Agreements

Legal services for the named insured

for the preparation of a postnuptial

agreement.

PAID IN FULL $ 320*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Prenuptial Agreements

Legal services for an insured for the

preparation of a premarital or antenuptial

agreement.

PAID IN FULL $ 320*

Refinancing - Primary Residence

Advice and review of relevant documents

regarding refinancing of your primary

residence.

PAID IN FULL $ 160*

Property Tax - Primary Residence

Legal services for an insured in an

administrative action brought by you to

reduce the property tax assessment on

your primary residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Purchase of Real Estate

Legal services for an insured for the

purchase of your primary residence for

the review and preparation of documents

including contract for purchase and

attendance at closing.

PAID IN FULL $ 320*

Real Estate Disputes

Legal services for an insured as

a plaintiff or defendant in a dispute

regarding contracts or obligations for the

construction, purchase or sale of your

primary residence.

PAID IN FULL $ 1,200*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Real Estate Disputes - Secondary Residence

Legal services for an insured as

a plaintiff or defendant in a dispute

regarding contracts or obligations for the

construction, purchase or sale of your

secondary residence.

PAID IN FULL $ 1,200*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Residential Contractor Disputes

Legal services for an insured for written,

verbal or implied contracts or obligations

for the renovation and/or improvement of

your existing primary residence.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Sale of Real Estate

Legal services for an insured for the sale

of your primary residence for the review

and preparation of documents including

the contract for sale and attendance at

closing.

PAID IN FULL $ 320*

Tenant Matters

Legal services for an insured as a

plaintiff or defendant with your landlord

as tenant of your primary residence,

including but not limited to, eviction and

security deposit disputes.

PAID IN FULL $ 320*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Irrevocable Trusts

Legal services for an insured for the

preparation of a stand-alone irrevocable

trust.

PAID IN FULL $ 320* single document

$ 400* spousal documents

Revocable Living Trusts

Legal services for an insured for the

preparation of a stand-alone revocable

trust.

PAID IN FULL $ 320* single document

$ 400* spousal documents

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Wills & Durable Power of Attorney

Individual will or spousal will(s). (Does not

include any tax planning services done in

connection with the will.)

PAID IN FULL $ 320 single document

$ 400 spousal documents

Codicil (an amendment to a will) PAID IN FULL $ 40 single document

$ 80 spousal documents

Living Will / Health Care Directive PAID IN FULL $ 40 single document

$ 80 spousal documents

Durable / Financial Power of Attorney PAID IN FULL $ 40 single document

$ 80 spousal documents

Zoning and Variances

Legal services for an insured in an

administrative action related to a zoning

change, variance, or an eminent domain

proceeding involving your primary

residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Child Custody/Child Support Agreement

Legal services for an insured for the

creation of an initial child custody, child

support, or visitation agreements. This

benefit does not include the modification

of current agreements.

Child custody / visitation PAID IN FULL $ 960*

Child support PAID IN FULL $ 640*

Construction Loan - Primary Residence

Legal services for an insured for the

preparation and review of a construction

loan related to building your primary

residence.

PAID IN FULL $ 420*

Construction Loan - Secondary Residence

Legal services for an insured for the

preparation and review of a construction

loan related to building your secondary

residence.

PAID IN FULL $ 420*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Guardianship/Conservatorship Dispute

Legal services for an insured in a

legal dispute related to your role as a

Guardian/Conservator.

PAID IN FULL $ 720*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Home Equity Loan - Primary Residence

Legal services for an insured for the

preparation and review of home equity

loans for your primary residence.

PAID IN FULL $ 160*

Home Equity Loan - Secondary Residence

Legal services for an insured for the

preparation and review of home equity

loans for your secondary residence.

PAID IN FULL $ 160*

Land Purchase - Primary Residence

Legal services for an insured for the

purchase of land that you intend to build

your primary residence for the review

and preparation of documents including

the contract for sale and attendance at

closing.

PAID IN FULL $ 320*

Paternity - Defendant

Legal services for an insured in the

defense of establishment of paternity in

a motion brought against you. This does

not include legal services related to child

support, child custody or visitation rights.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Paternity - Establishment

Legal services for an insured in

establishing paternity of a child in a motion

brought by you, including amendment and

reissuance of a birth certificate. This does

not include legal services related to child

support, child custody or visitation rights.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Refinancing - Secondary Residence

Advice and review of relevant documents

regarding refinancing of your secondary

residence.

PAID IN FULL $ 160*

Property Tax - Secondary Residence

Legal services for an insured in an

administrative action brought by you to

reduce the property tax assessment on

your secondary residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Building Codes - Secondary Residence

Legal services for an insured in an

administrative action for permit or code

violations relating to the renovation and/or

improvement of your existing secondary

residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Document Review

Legal services for an insured for the

review of your personal legal documents.

PAID IN FULL $ 40 per document

Protection from Domestic Violence - Named

Insured

Legal services for the named

insured to obtain a protective order

related to domestic violence.

PAID IN FULL $ 320*

Protection from Domestic Violence - Insured

Legal services for an insured to obtain

a protective order related to domestic

violence when the opposing party is not

an insured under the same Certificate.

PAID IN FULL $ 320*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Easement - Secondary Residence

Legal services for an insured in an

administrative action regarding an

easement on your secondary residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Foreclosure - Secondary Residence

Legal services for an insured regarding

written notice of a foreclosure related to

your secondary residence.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Mechanic's Lien

Legal services for an insured to remove

a mechanic's lien.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Student Loan Debt Collection

Legal services for an insured as the

defendant in a legal dispute related to

your student loan.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Funding a Trust

Legal services for an insured to fund an

existing trust.

PAID IN FULL $ 160*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Zoning and Variances - Secondary

Residence

Legal services for an insured in an

administrative action related to a zoning

change, variance, or an eminent domain

proceeding involving your secondary

residence.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Bankruptcy

Legal services for an insured up to and

including filing of a Chapter 7 bankruptcy

final report.

PAID IN FULL $ 880*

Legal services for an insured up to and

including confirmation of a Chapter 13

bankruptcy. This benefit does not include

the ongoing maintenance of a Chapter 13

repayment plan.

PAID IN FULL $ 1,200*

Legal services for an insured to file an

amendment/modification to a Chapter

7 post-discharge or a Chapter 13 post-

confirmation bankruptcy.

PAID IN FULL $ 240*

Consumer Protection - Defendant

Legal services for an insured as a

defendant regarding written contracts or

warranties relating to consumer goods or

services, (excluding residential contractor

and insurance disputes).

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Consumer Protection - Plaintiff

Legal services for an insured as a

plaintiff regarding written contracts or

warranties relating to consumer goods or

services, (excluding residential contractor

and insurance disputes).

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Defense of Debt Collection

Legal services for an insured as the

defendant in a legal dispute related to

consumer goods or services (excluding

foreclosure, garnishment, mechanic's lien

and student loan debt collection).

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Insurance Disputes

Legal services for an insured as a

plaintiff or defendant relating to disputes

with your insurance carrier.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

IRS Collection Defense

Legal services for an insured in defense

against collection actions by the Internal

Revenue Service (IRS) related to errors

on your personal tax return where the

initial written notice is received after your

effective date. This benefit does not

include collection actions related to your

failure to file a personal tax return or your

failure to pay the taxes your filed personal

tax return indicated you owed.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

IRS Audit Protection

Legal services for an insured involving

Internal Revenue Service (IRS) audits

related to your personal tax return where

the initial written notice is received after

your effective date. This benefit does

not include audits related to your failure

to file a personal tax return or your failure

to pay the taxes your filed personal tax

return indicated you owed.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Purchase/Sale of Secondary Residence

Legal services for an insured for the

purchase or sale of your secondary

residence for the review and preparation

of documents including the contract

for purchase or sale and attendance at

closing.

PAID IN FULL $ 320*

Small Claims Court

Legal services for an insured to bring

a claim in Small Claims Court (or similar

court of limited civil jurisdiction). This

benefit does not include representation in

court.

PAID IN FULL $ 320*

Legal services for an insured to defend

an action in Small Claims Court (or similar

court of limited civil jurisdiction) including

representation in court where allowed by

law.

PAID IN FULL $ 400*

(Exclusion #4 as it relates specifically

to plaintiff matters does not apply to this

benefit)

State and Local Tax Collection Defense

Legal services for an insured in defense

against collection actions by state and/

or local tax authority related to errors on

your personal state tax return or personal

local taxes where the initial written notice

is received after your effective date. This

benefit does not include collection actions

related to your failure to file a personal

tax return or your failure to pay the taxes

your filed personal tax return indicated

you owed.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

State and Local Tax Audit

Legal services for an insured involving

state and/or local tax authority audits

related to your personal state tax return

or personal local taxes where the initial

written notice is received after your

effective date. This benefit does not

include audits related to your failure to file

a personal tax return or your failure to pay

the taxes your filed personal tax return

indicated you owed.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Document Preparation

Legal services for an insured for

the preparation of Deeds, Mortgages,

Promissory Notes, Affidavits, Lease

Contracts, Demand Letters, Installment

Contracts, Bill of Sale, HIPAA

Authorization and Certification of Trust.

PAID IN FULL $ 40 per document

Juvenile Court

Legal services for an insured child

charged with a crime (except those

involving traffic matters or felony charges)

when the court proceedings are held in

juvenile court. If the matter is removed

from juvenile court, coverage under this

benefit will cease as of the date of the

removal.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Domestic Partnership Agreements

Legal services for an insured for the

preparation of a domestic partnership

agreement.

PAID IN FULL $ 320*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Annual Check Up for Parents and

Grandparents

Legal services for your parent and

grandparent to meet with an attorney on

an annual basis. This annual meeting

is to discuss the legal needs of your

parent and grandparent and discuss any

changes in their situation and potential

legal implications.

PAID IN FULL $ 80*

This benefit is limited to one usage per

certificate year.

Funeral Directive

Legal services for an insured for the

preparation of a funeral directive.

PAID IN FULL $ 40 per document

Gender Identifier Change

Legal services for an insured to change

your gender identifier on government

issued documents.

PAID IN FULL $ 240*

Hospital Visitation Authorization

Legal services for an insured for

the preparation of a hospital visitation

authorization.

PAID IN FULL $ 40 per document

Name Change

Legal services for an insured to legally

change your name.

PAID IN FULL $ 240*

Trust Disputes

Legal services for an insured in a legal

dispute related to your role as a trustor,

trustee or beneficiary of a trust.

PAID IN FULL $ 800*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Elder Law - Member Support

Initial advice for an insured on the impact

of your parent's/grandparent's personal

legal matter on you.

PAID IN FULL $ 25

Legal services for an insured for the

preparation and review of a deed granted

by a parent/grandparent where you are

the grantee.

PAID IN FULL $ 40 per document

Legal services for an insured for the

preparation and review of a promissory

note where your parent/grandparent is the

payor and you are the payee.

PAID IN FULL $ 40 per document

Legal services for an insured for the

review of your parent's/grandparent's

personal legal documents, including

estate planning documents where

you have been named as an agent or

executor/personal representative.

PAID IN FULL $ 40 per document

Eviction - Primary Residence

Legal services for an insured to evict a

person from your primary residence.

PAID IN FULL $ 320*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

(Exclusion #2 as it relates specifically to

investment interests does not apply to this

benefit.)

Restraining/Protective Order - Named

Insured

Legal services for the named insured to

obtain a restraining/protective order.

PAID IN FULL $ 320*

Restraining/Protective Order - Insured

Legal services for an insured to obtain

a restraining/protective order when the

opposing party is not an insured under

the same Certificate.

PAID IN FULL $ 320*

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Social Security/Veterans/Medicare

Legal services for an insured in an

administrative legal dispute arising out

of Social Security, Veterans, Medicare or

Medicaid benefits.

PAID IN FULL $ 400*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

(Exclusion #2 as it relates to employment

matters for Veterans benefit is waived for

this benefit.)

Alimony, Child Support, Child Custody and

Child Visitation

Legal services for an insured for a

motion brought by you or against you to

enforce or modify a final decree for child

support, child custody, child visitation, or

alimony.

Alimony PAID IN FULL $ 400*

Child Custody / Child Visitation PAID IN FULL $ 960*

Child Support PAID IN FULL $ 640*

(Exclusion #3 as it relates to post

judgment matters is not intended to

exclude child custody, child visitation, child

support and alimony matters.)

School Administrative Hearings

Legal services for an insured in

an administrative public or private

formal school proceeding regarding

disabilities and accompanying educational

accommodations or student policy

violations.

PAID IN FULL $ 480*

Trial for three (3) days or less PAID IN FULL $ 1,800**

Trial starting on day four (4) until

completion

PAID IN FULL $ 100,000***

Section III

Schedule of Benets

Non-Network Attorney

Network Attorney (Indemnity Benefit)

Credit Records Correction

Advice, document review, document

preparation and correspondence for an

insured related to correcting inaccuracies

or misrepresentations on your credit

record.

PAID IN FULL $ 160*

Executor Appointment

Legal services for an insured to be

appointed executor of an estate, where

no valid will exists, or if a valid will exists

where the named executor(s) are unable

or unwilling.

PAID IN FULL $ 720*

Mediation Costs

Reimbursement for mediation costs paid

by an insured associated with a covered

benefit.

PAID IN FULL $ 240* per insured event

(This benefit includes reimbursement of

costs that do not have to be performed by

an attorney.)

(The Payment Limitations section is waived

as it relates to mediation costs.)

Miscellaneous Services - 6 hours

Miscellaneous legal services.

This benefit is limited to six hours per

certificate year.

(Exclusion #3 as it relates to post

judgment matters is not intended to

exclude family law decree matters.)

6 hours $ 480*

Qualified Domestic Relations Order

Legal services for an insured for the

preparation and filing of a Qualified

Domestic Relations Order (QDRO).

(This benefit includes reimbursement of

costs that do not have to be performed by

an attorney.)

(Exclusion #3 as it relates to post

judgment matters is not intended to

exclude Qualified Domestic Relations

Order matters.)

PAID IN FULL $ 560*

* Non-Network Attorney Indemnity Benefits are up to the stated amount

** Trial Indemnity Benefits are ($300 per 1/2 day of Trial time) up to the stated amount

*** Trial Indemnity Benefits are ($400 per 1/2 day of Trial time) up to the stated amount

CONDITIONS

Policy Period and Territory

This policy applies to insured events which occur worldwide while your Certificate of Insurance is in

effect. If an insured event occurs outside the United States indemnity benefits apply.

Any insured event which occurs prior to the effective date of an insured will be considered excluded and

no benefits will apply.

Eligibility

Each eligible person as described in the Declarations, who is registered with us, and for whom a premium is

paid, shall become an insured on the effective date.

Cancellation and Termination

Neither we nor the policyholder will cancel this policy during the term defined in the Declarations except

for fraud or for the failure to pay premium due. We will give you ten (10) days notice of cancellation for

nonpayment of premium and forty-five (45) days notice of cancellation for any other reason.

If the named insured ends employment or membership in the group to which this policy is issued (except

upon the named insured’s death), or the policy is canceled by the policyholder, your coverage will cease

at the end of the term for which premium has been paid.

Waiver of Premium

Upon the death of the named insured, coverage for the surviving spouse or domestic partner and the

insured dependents continues under the policy for one year, and we waive further premium payments

during this time. Coverage shall terminate prior to the end of the one year period if the policyholder cancels

the policy during that time frame, in such case, coverage shall cease as of the date the policyholder cancels

the policy.

Should a named insured be deployed for a period of more than thirty (30) consecutive days for the

purposes of military service or of responding to a declared national emergency, coverage for the spouse

or domestic partner and the insured dependents will continue, without the payment of premium, for the

length of the named insured’s absence and for so long as the named insured remains eligible for benefits

through the policyholder.

Section III

Schedule of Benets

Section III

Schedule of Benets

Conversion

You may continue insurance when you no longer qualify as an employee of the policyholder or as a

member of the group to which this policy is issued. You must notify us within ninety (90) days of this

disqualifying event to make arrangements for premium payment. Payment of premium is required from the

last date of your eligibility under this policy.

Coordination of Benefits

This policy coordinates benefits as defined in the National Association of Insurance Commissioners Model

Coordination of Benefits Provisions.

If you are entitled to receive legal services or reimbursement for legal services from any other person or

organization, our coverage will be excess.

Payment by us for legal services under this policy does not preclude your attorney from seeking and

recovering attorney fees from an opposing party, where authorized by law, court rule or contract, at the

attorney’s usual and customary or prevailing rate. If you receive reimbursement of attorney’s fees, then you

will reimburse us for payments made under this policy.

Payment Limitations

You may not make claims under separate benefits for one legal matter.

Notice of Claim, Proof of Expense Incurred and Payment of Claim

You or your representative must submit a written notice of claim to us within one year after the insured

event. A claim form and itemized billing are required within one hundred eighty (180) days after legal

services for which you seek payment are completed.

You are responsible for verifying your legal matter is covered under your legal plan with us prior to receiving

legal services. You will be responsible for payment to the attorney at their usual and customary rate if your

matter is not covered.

You must give us all information we request with respect to the circumstances of an insured event or

service provided. We have the right to withhold benefits if the requested information is not provided to us.

Fraud or Abuse

We do not provide benefits for you if you have intentionally concealed or misrepresented any material fact

or circumstance or have made false statements or engaged in fraudulent conduct relating to your insurance.

We may discontinue your benefits if we deem that you are exhibiting hostile or abusive behavior towards

us, our employees and/or Network Attorneys.

Subrogation

We may require you to assign all rights of recovery of legal fees to the extent that payment is made by us. If

an assignment is sought, you must cooperate with us.

Relation of the Parties

You have the unrestricted right to choose an attorney. The attorney is not our agent or employed by us or

the policyholder. We and the policyholder shall at no time control or interfere with the performance of the

attorney and we do not guarantee the skill of the attorney. Any payment to a network attorney for legal

services is our responsibility up to your policy limits.

Section III

Schedule of Benets

Grievances

If you have a problem with a Network Attorney in the handling of a legal matter covered under this

insurance policy, contact us for assistance in resolving your issue.

You have the right to file a complaint with the State Bar about your attorney at any time.

EXCLUSIONS

We do not provide coverage for:

1. Matters against us, the policyholder or an insured against the interests of the named insured under

the same Certificate.

2. Legal services arising out of a business interest, investment interests, employment matters, employee

benefits, your role as an officer or director of an organization, and patents or copyrights.

3. Legal services in class actions, punitive damages, personal injury, malpractice, court appeals or post

judgments (settlement agreement signed by all parties, final binding arbitration, judgment issued by a

court).

4. Legal services deemed by us to be frivolous or lacking merit, or in legal matters where you wish to

take action against a party, regardless of whether the matter proceeds to you filing a lawsuit against the

other party, and the amount we pay for your legal services exceeds the amount in dispute, or in our

reasonable belief you are not actively and reasonably pursuing resolution in your case.

SPM(11700) 2

TERMS AND CONDITIONS

This plan may be amended or changed at any time by written agreement between the plan sponsor and us.

Any terms of this plan which are in conflict with any state or federal law are amended to conform to all

applicable federal or state regulations.

We do not provide services for you if you have intentionally concealed or misrepresented any material fact or

circumstance or have made false statements or engaged in fraudulent conduct relating to your membership

or the plan.

SERVICES

TELEPHONE LEGAL ACCESS SERVICES

We will pay the attorney fees of a Telephone Legal Access Law Firm as defined below for Telephone Legal

Access Services provided by a Telephone Legal Access Law Firm while your Certificate is in effect.

"Telephone Legal Access Law Firm" - means an independent law firm that has entered into a written

agreement with us to provide Telephone Legal Access Services to you within the territory of the United

States.

"Telephone Legal Access Services" - means the type of legal services which, within applicable standard

of professional care and conduct, may be rendered by the Telephone Legal Access Law Firm in one or

more telephone conversations with a client and which may be connected with other legal services based

on telecommunication which are specifically listed below.

You will receive:

● Toll-free telephone advice on how the law relates to your personal legal matter and which action may be

taken.

● Follow-up correspondence and telephone calls to third parties related to your personal legal matter.

● Specific document preparation and document review.

● You will receive legal assistance from the Telephone Legal Access Law Firm for the preparation or

review of a Standard Will or Codicils.

Standard Will means a will document without trust provisions other than a support trust for

dependent children limited to appointing a guardian and placing assets for dependent children until

they reach their age of majority.

Section III

Schedule of Benets

Section III

Schedule of Benets

SPM(11700) 3

REDUCED FEE LEGAL SERVICES

If your legal matter is not fully covered under your insurance policy and is not listed under the “Exclusions”

in your Service Plan, you are eligible to work with a Network Attorney and receive a reduced fee that will

be at least 25% off the attorney’s normal rate. The initial consultation for each legal matter will be provided

at no cost. If you retained the services of the Network Attorney prior to the effective date of your legal

insurance membership, the reduced fee benefit is not available. Payment of attorney fees is handled

directly between the plan member and the Network Attorney. Access to a Network Attorney is subject to

availability. You are encouraged to contact ARAG to determine proximity to a Network Attorney within legal

practice areas.

For matters that include a cap on the number of hours ARAG will pay a Network Attorney, and where

your legal matter will exceed the amount covered by ARAG, the Network Attorney will bill you directly at

reduced rates of at least 25% off their normal rate. You pay the attorney directly.

For Telephone Advice, if your matter cannot be resolved over the phone and is not fully covered under

your insurance policy and not excluded under the “Exclusions” in your Service Plan, you are eligible to

work with a Network Attorney and receive a reduced fee that will be at least 25% off the attorney’s normal

rate. Payment of attorney fees is handled directly between the plan member and the Network Attorney.

REDUCED CONTINGENCY FEES

If your legal matter is not covered under your insurance policy and is not listed under the "Exclusions"

in your Service Plan, you are eligible to work with a Network Attorney for a legal matter the Network

Attorney deems to be appropriately handled through the use of a contingency fee. The Network Attorney

will represent you under a contingent fee arrangement where the contingent fee will not exceed 25% of the

net recovery if successfully resolved before trial, or will not exceed 33% of the net recovery if successfully

resolved during or after trial, or will not exceed 40% of the net recovery is successfully resolved on or

after an appeal. The initial consultation for each legal matter will be provided at no cost. If you retained the

services of a Network Attorney prior to the effective date of your legal insurance membership, the reduced

contingency fee benefit is not available.

Section III

Schedule of Benets

SPM(11700) 4

IDENTITY THEFT PROTECTION

A service that gives you access to:

● Toll-free legal advice from a Telephone Network Attorney to assist with legal-related problems 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 of identity theft in

the first place,

● An Identity Theft Victim Action Kit to help speed your recovery should you become an identity

theft victim,

● A tracking document to help you keep track of phone calls, e-mails and letters for attorneys,

● An Identity Theft Affidavit to help you report your identity theft to necessary parties.

● Identity Theft Specialists who will help you determine appropriate steps to begin recovery and help

you monitor the progress of your recovery.

● Full-Service Identity Restoration: Certified Identity Theft Restoration Specialist provide full-service

identity restoration services, including specialized limited Power of Attorney to work on your behalf to

restore your identity.

● Lost Wallet Services: Certified Identity Theft Restoration Specialist assist you in canceling and

reissuing personal documents such as credit cards, driver's license, Social Security Cards, etc. - due to

lost or stolen wallet or identity documents.

● Identity Theft Insurance: Should you become a victim of identity theft, Identity Theft Insurance

provides coverage up to $1 million for expenses associated with restoring your identity. (The Identity

Theft insurance is underwritten by American Bankers Insurance Company of Florida, an Assurant

company. Please refer to the actual policies for terms, conditions, and exclusions of coverage.

Coverage may not be available in all jurisdictions. Please see the plan summary document for details.)

In order to use the following services, you will need to log in and establish an online monitoring account.

● Single-Bureau Credit Monitoring: Services designated to track and immediately inform you of any

activities or changes to your credit - including loan applications, credit card activations, delinquencies,

etc.

● Internet Surveillance: Services that monitor thousands of websites and millions of online data points

and will alert you if your personal information is being traded and/or sold.

● Change of Address: Services that monitors address change requests with the United States Postal

Services.

● Child Monitoring: Services that enable parents or guardians to protect minor's information from identity

theft by registering and tracking their data. Social Security Number trace monitoring which will detect

the creation of a credit file in a minor's name.

Section III

Schedule of Benets

SPM(11700) 5

IMMIGRATION

A service that gives you toll-free access to Telephone Network Attorneys for:

● Legal advice and consultation

● Immigration processes and guidelines.

● Filing and processing of applications and petitions.

● Laws and regulations governing various types of immigration benefits; including asylum,

adjustment of status, business visas, and employment authorizations.

● Deportation and removal proceedings.

● Document review of any immigration forms

● Document preparation of affidavits and powers of attorney

● Preparation for immigration hearings

For additional immigration services, Network Attorneys provide a reduced rate of at least 25% off their

normal rates for any representation-based immigration services. Network Attorneys will bill the member

directly.

LEARNING CENTER

Learning Center – Access the Learning Center for an extensive online library of easy-to-read articles,

guidebooks and videos created to help you:

● Learn more about dealing with common legal and financial matters, like estate planning, identity theft

and consumer protection.

● Understand how the legal insurance plan works and the coverages, services and resources it

provides.

DIY DOCS®

Do-It-Yourself Legal Documents - Online access to documents authored and reviewed by attorneys for

accuracy and state-specific compliance in all 50 states. These documents can assist you with everyday

life, including issues involving:

● Automobiles ● Childcare

● Caregiving ● Residential Contractor

● Estate Administration ● Finances

Easy-to-Use Interactive Document Assembly Tool: Helps you efficiently create your own documents by

asking simple questions.

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

documents.

Legacy Planning: Create essential legal documents yourself with the help of DIY Docs, including:

● Financial Power of Attorney ● Living Will

● Health Care Power of Attorney ● Standard Will

Section III

Schedule of Benets

SPM(11700) 6

ADVICE FOR PARENTS AND GRANDPARENTS

Telephone access to obtain legal advice and consultation on how the law relates to your parents/

grandparents' legal matter and which actions may be taken.

CAREGIVING SERVICES

Reduced Fee Services - Should your parents/grandparents legal matter require legal representation,

Network Attorneys provide reduced fee services of at least 25% off their normal rate for most legal

matters. Payment of the attorney fees is handled directly between the parent/grandparent and the

Reduced Fee Network Attorney. Access to a Reduced Fee Network Attorney is subject to availability. You

are encouraged to contact ARAG to determine proximity to a Reduced Fee Network Attorney within legal

practice areas.

Caregiver Support Services - As a member, you have toll-free access to a Care Advocate, who will:

● Answer your eldercare-related questions, assess eldercare need and help you develop a care plan.

● Send you a customized information guide that contains lists of assisted living facilities, nursing

homes or home health care agencies - including comparative quality-of-care ratings and reports on

thousands of facilities and agencies - along with helpful eldercare information.

● Give you access to the nation's most comprehensive eldercare database with more than 90,000 long

term care providers.

● Conduct searches to determine the availability and rates of assisted living facilities, nursing homes,

home health care agencies and adult care providers. Advocate will negotiate discounts when

available.

Plus, you will have access to the ElderAnswers Website which provides you online access to quality-

of-care ratings and reports, direct access to the provider database, and a wide-range of eldercare

information.

Caregiving Guidebook - As a member, you have access to a "go-to" guidebook providing you with the

tools and resources needed to take a proactive approach in your caregiving role.

TAX SERVICES

This service provides you with year-round access to experienced tax specialist. You can call toll-free for

a one-on-one consultation if you have questions or need advice regarding your personal, non-business

related tax matters. Services include:

● Tips for state or federal filing of personal taxes

● Explanation of tax law changes

● Research on complex tax matters

● Advice regarding IRS Audits and notifications

● Review of last year's personal tax return

● Discounted personal tax return preparation

Section III

Schedule of Benets

SPM(11700) 7

EXCLUSIONS

The plan services do not include:

1. Matters against us, the named plan member or the plan sponsor.

2. Matters arising out of a business interest, investment interests, employment matters, employee benefits,

your role as an officer or director of an organization, and patents or copyrights.

3. Matters deemed by us to be frivolous or lacking merit.

4. Matters outside the jurisdiction of the United States of America.

B. Exclusions and Limitations

Insurance Benefits do not include any services or charges in

connection with any of the following:

1. Matters against ARAG, University of California or an

insured against the interests of the named insured under

the same Certicate.

2. Legal services arising out of a business interest, investment

interests, employment matters, employee benets, your

role as an ocer or director of an organization, and patents

or copyrights.

3. Legal services in class actions, punitive damages, personal

injury, malpractice, court appeals or post judgments

(settlement agreement signed by all parties, nal binding

arbitration, judgment issued by a court).

4. Legal services deemed by us to be frivolous or lacking

merit, or in legal matters where you wish to take action

against a party, regardless of whether the matter proceeds

to you ling a lawsuit against the other party, and the

amount we pay for your legal services exceeds the amount

in dispute, or in our reasonable belief you are not actively

and reasonably pursuing resolution in your case.

Plan Services do not include:

1. Matters against ARAG, the named plan member or the

University of California.

2. Matters arising out of a business interest, investment

interests, employment matters, employee benets, your

role as an ocer or director of an organization, and patents

or copyrights.

3. Matters deemed by ARAG to be frivolous or lacking merit.

4. Matters outside the jurisdiction of the United States of

America.

Section III

Schedule of Benets

Section IV

Glossary

Amount in Dispute – The monetary amount that can

be calculated or proven in order to compensate you for

incurred damage to or loss of your property.

Appeal – A legal proceeding to take a case to a higher court

for rehearing.

ARAG Legal Insurance Plan – The name of your legal

insurance plan underwritten by ARAG Insurance Company.

Attorney Fee – The amount charged by an attorney for their

time spent providing covered legal services.

Class Action – An action in which one or more members of

a numerous class, having a common interest in the subject

of litigation, sue or defend on behalf of themselves and all

members.

Certicate Year – Twelve (12) month period as listed on the

declarations page of the policy issued to the policyholder.

Codicil – A supplement or amendment to a will.

Consumer Protection Action – An action for the

enforcement of written or implied warranties or promises

relative to the lease or purchase of goods or services.

Contested – An action in which any disputed issue must be

negotiated by your attorney regardless of whether any legal

forms are led.

Eective Date – The date on which the policyholder enrolls

the named insured and from which date premium has been

paid for you.

Employer – The University of California.

Miscellaneous Legal Services – Time spent by an attorney

and their oce sta for your legal issue that is not

otherwise covered or excluded under this plan and which

does not include costs such as, but not limited to: ling

fees, copy costs, mileage, title insurance, expert witnesses,

mediator, home studies, transcriptionists, title search, and

title abstracting.

Goods – A physical product that is capable of being

delivered. Ownership of a good can be transferred from the

seller to the buyer.

Habeas Corpus – A writ of habeas corpus is a legal

document that forces law enforcement authorities to

produce a prisoner they are holding and to legally justify

their detention.

Indemnity Benets – Covered legal services which are

reimbursed to the insured up to the benet amount

indicated under the specic coverage. The insured is

responsible for all legal services which may exceed the

amount paid by ARAG.

Insured – The “Insured” is dictated by premium paid and as

indicated by coverages listed in the “Benets” section, the

named insured only or the named insured and the named

insured’s spouse, or domestic partner (who is registered

with ARAG) and/or eligible dependents as dened by

mutual agreement between the policyholder and ARAG.

Insured Event – An event covered by this policy whose

initiation date will be considered the earlier of the date (a)

written notice of a legal dispute is sent or led by you or

received by you; or (b) a ticket or citation is issued; or (c) an

attorney is hired.

Legal Dispute – A disagreement between you and any other

party regarding your legal rights.

Legal Services – This is the time spent by your attorney and

their oce sta for your covered legal matters which does

not include costs such as, but not limited to: ling fees, copy

costs, mileage, title insurance, expert witnesses, mediators,

home studies, transcriptionists, title searches, and title

abstracting.

Living Trust – A trust established and in eect during the

lifetime of the grantor. Also called Inter Vivos Trust.

Living Will – A legal declaration, prepared in advance, which

directs the course of health care decisions and treatment;

may ensure your medical care decisions are respected and

carried out when you are unable to express them.

Mediation Costs – Payment of a qualied mediator who

assists the insured and another party attempting to reach a

settlement regarding a covered legal matter.

Named Insured – Is the person enrolled via the policyholder

with ARAG as entitled to coverage under the terms of this

policy.Network Attorney – An Attorney with whom ARAG

has contracted to perform covered legal services in the

United States for an Insured.

Non‑Moving Oense – Parking ticket, registration,

equipment or other violations that aren’t handled in

conjunction with a moving violation.

Non‑Network Attorney – An Attorney who is not a network

attorney, chosen by you to perform legal services covered

under the indemnity benets of this policy.

Paid‑in‑full Benets – A legal service covered by the ARAG

Legal Plan for which the fee for that legal service is fully

paid if a network attorney is used.

Petition – A formal written document addressed to a court

or judge which states facts and circumstances, and contains

a formal request for relief.

Personal Property – Property, which is not real estate

property and which does not produce income.

Policyholder – Means the organization named in the

declarations page.

Primary Residence – The single dwelling where you

actually live that is considered your legal residence for

income tax purposes.

Real Property – Land and all permanent structures

attached to it.

Related by Blood or Marriage – You may choose any

Attorney who is not your parent, brother or sister, your

spouse, your spouse’s parent, your spouse’s brother or sister,

or your child or step‑child.

Secondary Residence – A single dwelling (house,

apartment, duplex, or condominium) that you have an

ownership interest in and that is not your primary residence

and is not an insured rental property for six months before

the insured event and it is not your intent to use it as an

insured rental property.

Service – A duty or labor provided from one person to

another. It is the non‑material equivalent of a good. There is

no physical product that can transfer ownership.

Service Provider – An individual or company with whom

ARAG has contracted to perform covered services in the

United States for an Insured. For example, Identity The

Protection is considered a service provider.

Standard Will – A will document without trust provisions

other than a support trust for dependent children limited

to appointing a guardian and placing assets for dependent

children until they reach their age of majority.

Telephone Network Attorney – A telephone attorney

with whom ARAG has contracted to perform covered legal

services in the United States for you.

Trial – The proceeding in court or in a covered

administrative proceeding when the parties try their case

beginning with the impaneling of a jury in a jury trial or

with opening statement if the parties are in a non‑jury trial.

Trial does not include things such as hearings, appearances

on motions, negotiated pleas, pre‑trial conferences, or

appearances, and continuances by the court.

Trust – A document established to commit or place

property; (real or personal) in another’s care or name

guardianship for minor children.

Uncontested – An action in which all matters are settled

or decided without attorney negotiation, and your attorney

assists in completing any necessary formal processes.

You and Your – An insured.

Section IV

Glossary

Service Provider

If you have a problem with a Service Provider in the handling

of a service issued under the ARAG Legal Insurance Plan

and you and the Service Provider cannot resolve it, a written

grievance is required. ARAG will provide you with a form and

information about ling the grievance.

Network Attorney

If you have a problem with a Telephone network attorney or

network attorney in the handling of a legal matter covered

under the ARAG Legal Insurance Plan, and you and the

attorney cannot resolve it, a written grievance is required.

ARAG will provide you with the form and information about

ling the grievance with ARAG.

If you are unable to nd a network attorney, ARAG guarantees

you the opportunity to receive in‑network benets from an

attorney. Our Customer Care Center will work closely with

you to ensure you receive covered legal services through an

attorney in your area.

You have the right to le a complaint with the State Bar

Association about your Attorney at any time.

Appeal Procedure

If you believe you may be entitled to benets that have been

denied, or you are in disagreement with any determination

that has been made, you may present a claim to ARAG.

You must follow the claim and review procedure carefully

and completely and you must le your claim before the

deadlines provided. If you do not do so, you will give up

important legal rights.

You must le your claim for benets with ARAG within one

year aer you knew or reasonably should have known of the

principal facts on which your claim is based. Aer you le

your claim, you must complete the entire claim and review

procedure before you can sue over your claim. It is important

that you include all the facts and arguments that you want

considered during the claim and review procedure. Your

claim for Plan benets will be subject to a full and fair review. If

your claim is wholly or partially denied, ARAG will furnish you

with a written notice of this denial. This written notice must be

provided to you within a reasonable period of time (generally 90

days) aer the receipt of your claim by ARAG.

The written notice will contain the following information:

• The specific reason or reasons for the denial;

• The specific reference on the Plan provisions on which the

denial is based;

• A description of any additional information or material

necessary to correct your claim and an explanation of why

such material or information is necessary; and

• Appropriate information as to the steps to be taken if you

or your beneficiary wishes to submit your claim for review.

If your claim has been denied and you wish to submit

your claim for review, you must follow the Claims Review

Procedure described below:

• Upon the denial of your claim for benefits, you may file

your claim for review, in writing, with ARAG.

• YOU MUST FILE THE CLAIM FOR REVIEW NO LATER

THAN 60 DAYS AFTER YOU HAVE RECEIVED WRITTEN

NOTIFICATION OF THE DENIAL OF YOUR CLAIM FOR

BENEFITS.

• You may review all pertinent documents relating to

the denial of your claim and submit any issues and

comments, in writing, to ARAG.

Your claim for review will be given a full and fair review. If

your claim is denied, ARAG will provide you with written

notice of this denial within 60 days aer ARAG’s receipt of

your written claim for review. There may be times when this

60‑day period may be extended. For example, this extension

may be made where there are special circumstances that

are communicated to you in writing within the 60‑day

period. If there is an extension, a decision shall be made

as soon as possible, but not later than 120 days aer the

receipt by ARAG of your claim for review.

ARAG’s decision on your claim for review will be

communicated to you in writing and will include specic

references to the pertinent Plan provisions on which the

decision was based.

You may, at your own expense, have an attorney or other

representative act on your behalf, but ARAG reserves the

right to require your written authorization before providing

information to a third party. ARAG also reserves the right to

delegate its authority to make decisions.

Section V

Grievance Procedures

If you le your claim within the required time and complete

the entire claim and review procedure and your claim is still

denied, you may sue over your claim unless you have executed

a release of claims that includes a release of your claim for

benets. However, you must commence that suit within 30

months aer you knew or reasonably should have known of

the principal facts on which your claim is based or, if earlier, six

months aer the claim and review procedure is completed.

A. Customer Care

Online Customer Care

Visit ARAGlegal.com and log in as a member, 24 hours a day,

seven days a week.

• Enter your username and your password.

• Once you’ve logged in, you have access to all online

Benefits including Online Tools and Resources as well as

access to a Customer Care Specialist, Monday‑Friday, 5

a.m.‑5 p.m. Pacific time.

E‑mail Customer Care

You can e‑mail us at Service@ARAGlegal.com 24 hours a

day and our associates are available to help you Monday‑

Friday, 5 a.m.‑5 p.m. Pacic time. E‑mail received aer

regular business hours will be returned within a two‑hour

time period on the following business day.

Telephone Customer Care

Call toll‑free 800‑828‑1395 (TTD, please call 800‑383‑4184)

for the automated telephone system, 24 hours a day, seven

days a week. When prompted, enter your Member ID to

access membership services. From there, you will speak to

a Customer Care Specialist, Monday‑Friday, 5 a.m.‑5 p.m.

Pacic time, who will enable you to:

• Receive legal advice over the phone, Monday‑Friday,

9 a.m.‑5 p.m. Pacific time.

• Learn how to use your plan or request materials.

• Obtain Benefit information or verification.

• Get a list of claims that have been paid on your behalf.

• Hear about exciting new enhancements to your plan.

• Get a claim form.

• Obtain a list of network attorneys.

If you require assistance from a translator during your call

to the Customer Care Center, please let your representative

know. We will connect your call with the Language Line

Services through Transperfect. To obtain TTD assistance,

please call 800‑383‑4184.

B. Telephone Legal Advice and Consultation

Telephone Legal Advice and Consultation

Call toll‑free 800‑828‑1395 (TTD 800‑383‑4184) to connect

to the Customer Care Center.

• The automated telephone system will ask you to enter

your Member ID.

• You will speak with a Customer Care Specialist.

• You will be transferred to a Telephone Network

Attorney, Monday‑Friday, 9 a.m.‑5 p.m. Pacific time.

Services for Parents and Grandparents

Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184) to connect to

the Customer Care Center.

• You will speak to a Customer Care Specialist,

Monday‑ Friday, 5 a.m.‑5 p.m. Pacic time.

• Ask to speak to an Eldercare Advocate.

• You will be transferred to an Eldercare Advocate,

Monday‑ Friday, 5 a.m.‑5 p.m. Pacic time.

Your parents/grandparents will also have access to a network

attorney for legal advice on elder law issues (e.g., Medicare/

Social Security benets, estate planning, real estate). They

can also meet with a network attorney once a year for an

annual legal check‑up.

Telephone Identity Theft Protection

Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184), 24 hours

per day, 365 days per year, to connect to the Customer Care

Center.

• You will speak to a Customer Care Specialist,

Monday‑ Friday, 5 a.m.‑5 p.m. Pacic time. Aer normal

business hours, an automated telephone system will

ask you to enter your Member ID.

• Request to speak with an Identity The Restoration

Specialist.

• You will be transferred to a Restoration Specialist,

Monday‑Friday, 5 a.m.‑5 p.m. Pacic time.

Section VI

How to Use the ARAG Legal Insurance Plan

Telephone Tax Services

Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184) to connect

to the Customer Care Center.

• You will speak to a Customer Care Specialist,

Monday‑ Friday, 5 a.m.‑5 p.m. Pacic time.

• Ask to speak to a Tax Specialist.

• You will be transferred to a Tax Specialist,

Monday‑ Friday, 7 a.m.‑3 p.m. Pacic time.

C. Legal Representation

How to nd a network attorney

• Visit ARAGlegal.com and log in as a member to use the

Attorney Finder.

• Call toll‑free 800‑828‑1395 (TTD 800‑383‑4184) and a

Customer Care Specialist will provide you a confirmation

package, including coverage determination in writing as

well as a list of network attorneys in your area, Monday‑

Friday, 5:00 a.m.‑5:00 p.m. Pacific time.

• Call toll‑free 800‑828‑1395 (TTD 800‑383‑4184) and

the automated telephone system will fax you a list of

Attorneys in your area, 24 hours a day, seven days a week

• If there are no network attorneys near your home,

we guarantee you’ll receive in‑network benefits for

covered legal matters. Simply contact the Customer

Care Center and they will arrange for you to receive

covered legal services through an attorney in your area.

This guarantee does not apply for network attorneys

on matters that are used under the reduced fee

arrangements.

• Use the ARAG Legal app to view, sort and filter a listing of

local network attorneys who practice in the area of law

where you need help.

Miscellaneous Services

If you need an Attorney’s assistance on a matter that is not

a covered service, you can use the Miscellaneous Services

benet for advice or services related to any legal matter

that is not excluded under the ARAG Legal Insurance Plan

(see Exclusions and Limitations).

Some examples of permitted use of the Miscellaneous

Services benets are:

• Immigration Matters

• Defense of Felony

• Non‑employment related administrative hearings

How to Use a Network Attorney

• Contact the network attorney of your choosing, and tell

them you are an ARAG plan member.

• Give them your Member ID.

• The network attorney will bill ARAG for Attorney Fees

for covered matters. Most covered services are paid‑in‑

full when you see a network attorney. You pay nothing

but out‑of‑pocket costs such as photocopying and

miscellaneous court costs for most covered Benefits.

How to Use a Non‑Network Attorney

• Call toll‑free 800‑828‑1395 (TTD 800‑383‑4184) to verify

Benefits with a Customer Care Specialist, Monday‑Friday,

5 a.m.‑5 p.m. Pacific time.

• Contact a Non‑Network Attorney.

• The Non‑Network Attorney will provide services for

covered matters.

• The Non‑Network Attorney will bill you and you pay the

Attorney directly.

• To receive indemnity reimbursement, file a claim form

along with an itemized statement from your Non‑

Network Attorney with ARAG for all covered matters.

• Send your completed claim form along with your Non‑

Network Attorney’s billing statement to:

ARAG

500 Grand Avenue, Suite 100

Des Moines, IA 50309

• ARAG will reimburse you for covered matters as specified

under Section II, Legal Representation.

Section VI

How to Use the ARAG Legal Insurance Plan

For additional claim forms you may:

• Visit ARAGlegal.com and log in as a member to use the

Attorney Finder.

• Call a Customer Care Specialist, Monday‑Friday, 5 a.m.‑5

p.m. Pacific time, to receive a copy of the claim form.

How to Use the Reduced Fee Network

For not fully covered and non‑excluded items, you may

be eligible to receive reduced fees of at least 25% o a

network attorney’s normal rate for in‑oce legal advice and

representation.

How to Use:

• Contact any network attorney and tell them you are an

ARAG member.

• Give them your Member ID and proceed with your matter.

• The network attorney will bill you directly at reduced rates

of at least 25% off their normal rate. You pay the attorney

directly.

How to Use Benefits Outside the United States

• Call toll‑free 800‑828‑1395 (TTD 800‑383‑4184), to verify

Benefits with a Customer Care Specialist, Monday‑Friday,

5:00 a.m.‑5:00 p.m. Pacific time. If you can not access the

800 number you may follow the steps below:

• Contact a Non‑Network Attorney.

• The Non‑Network Attorney will provide services for

covered matters.

• The Non‑Network Attorney will bill you and you pay the

Attorney directly.

• To receive indemnity reimbursement, file a claim form

along with an itemized statement from your Non‑

Network Attorney with ARAG for all covered matters.

• Send your completed claim form along with your

Non‑Network Attorney’s billing statement to:

ARAG

500 Grand Avenue, Suite 100

Des Moines, IA 50309

• ARAG will reimburse you for covered matters as specified

under Section II, Legal Representation.

For additional claim forms you may:

• Visit ARAGlegal.com and log in as a member to download

a claim form.

• Call a Customer Care Specialist, Monday‑Friday, 5 a.m.‑5 p.m.

Pacific time, to receive a copy of the claim form.

D. Filing Your Claim

Network Attorney Services

If you receive services from a network attorney, you will

not need to le a claim form. The network attorney will call

ARAG to verify Benets. Attorney Fees for covered

services will be provided by the plan.

For 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

you directly at reduced rates of at least 25% o their normal

rates for the remaining hours. You pay the attorney directly.

Non‑Network Attorney Services

If you choose a Non‑Network Attorney, you generally

must pay the Attorney in advance. When services have

been completed, send a Non‑Network Attorney claim form

directly to ARAG via U.S. Mail, email or fax, along with an

itemized bill of the services provided by the attorney. The

itemized bill must include:

• Date of service

• Services provided

• Time spent in fractions of hours

Upon receipt, these claims will be processed with all other

paper claims received on the same day. Remittance will be

made directly to the Plan Member in accordance with the

terms and conditions of the plan’s Certicate of Insurance

and at the rates and maximums laid out in the same

Certicate of Insurance.

To obtain a claim form, call ARAG’s toll‑free customer care

number or visit ARAGlegal.com and log in as a member.

A claim form and itemized billing are required within one

hundred eighty (180) days aer legal services for which you

seek payment are completed.

Section VI

How to Use the ARAG Legal Insurance Plan

E. Additional Services

The following services are also available to you and include

everything from self‑help tools such as educational

resources and actual legal documents, to assistance from

experienced professionals to help with your legal needs.

Identity Theft Protection

Features Single‑Bureau Credit Monitoring, Internet

Surveillance, Change of Address Monitoring and Child

Identity Monitoring services. If you fall prey to identity

the, you can rely on Identity The Restoration Specialists

to help with Full‑Service Identity Restoration, and Lost

Wallet Services. Should you become a victim of identity

the, Identity The Insurance provides coverage up to

$1 million for expenses associated with restoring your

identity. (Eligibility, coverage, limitations and exclusions

are governed by a separate Master Policy. Please see the

Identity The Plan Summary for details, available upon

request.)

How to Use/Setup Online Monitoring:

• Visit ARAGlegal.com and log in as a member.

• Select “Identity The” under “Tools”.

• First‑time User: select “Activate Monitoring” to activate

the monitoring services.” After activate a monitoring

account, other adult dependents need to select “Add

Adult Family Member” to activate the monitoring

services.

Aer activating a monitoring account, the Login link

will appear.

How to Use Restoration Services:

• Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184) to

connect with an Identity The Restoration Specialist 24

hours a day, 365 days a year.

Learning Center

Access the Learning Center for an extensive online library

of easy‑to‑read articles, guidebooks and videos created to

help you:

• Learn more about dealing with common legal and

nancial matters, like estate planning, identity the and

consumer protection.

• Understand how the legal insurance plan works and the

coverages, services and resources it provides.

Services for Parents and Grandparents

Access to network attorneys and other professionals who can

help you nd caregiving options for your parents or grandparents.

This includes contacting a network attorney by telephone as oen

as necessary to ask general questions or to talk about specic

issues and meeting with a network attorney once each year to

review your parents’ or grandparents’ legal needs.

In addition, you can talk with an Eldercare Advocate who can

assess eldercare needs and help develop care plans to meet

your specic caregiving needs. They can also search for available

assisted living facilities, nursing homes, home healthcare agencies

and adult day care providers to negotiate discounts for facilities

when available.

How to Use:

• Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184) and

request Caregiving Services assistance.

Tax Services

Provides you with year‑round access to experienced tax

specialists. You can call toll‑free for a one‑on‑one consultation if

you have questions or need advice regarding your personal, non‑

business related tax matters. You’ll also benet from discounted

personal tax return preparation services.

There is a $195 cost for each tax preparation. Tax preparation

includes federal tax return, state tax return, local tax return and

any additional tax preparation needs.

How to Use (Tax Specialist):

• Call toll‑free 800‑247‑4184 (TTY 800‑383‑4184) and

request Tax Specialist assistance.

DIY Docs®

Online access to documents authored and reviewed by

attorneys for accuracy and state‑specic compliance in all

50 states. These documents can assist you with everyday

life, including issues involving::

• Automobiles

• Caregiving

• Estate Administration

• Child Care

• Residential Contractor

• Finances

How to Use DIY Docs:

Visit ARAGlegal.com and log in as a member.

• Select “DIY Documents” under “Tools”.

• Search for the legal document relevant to your situation.

Section VI

How to Use the ARAG Legal Insurance Plan

Reduced Fee Benet for Non‑Covered Matters

This part of the plan oers reduced fees of at least 25%

o the network attorney’s normal rate, for services not

covered and not excluded. The initial consultation for each

legal matter will be provided at no cost. If you retained the

services of a network attorney prior to the eective date of

your legal insurance membership, the reduced fee benet is

not available.

How to Use:

• Contact any network attorney and tell him or her you are

an ARAG plan member.

• Give him or her your Member ID and proceed with your

matter.

• The network attorney will bill you directly.

Reduced Contingency Fees

If your legal matter is not fully covered under your insurance

policy and is not listed under the “Exclusions” in your Service

Plan, you are eligible to work with a network attorney

for a legal matter the network attorney deems to be

appropriately handled through the use of a contingency fee.

The network attorney will represent you under a contingent

fee arrangement where the contingent fee will not exceed

25% of the net recovery if successfully resolved before trial,

or will not exceed 33% of the net recovery if successfully

resolved during or after trial, or will not exceed 40% of the net

recovery if successfully resolved on or after an appeal. The

initial consultation for each legal matter will be provided at no

cost. If you retained the services of a network attorney prior

to the effective date of your legal insurance membership, the

reduced contingency fee benefit is not available.

How to Use:

• Contact any network attorney and tell him or her you are

an ARAG plan member.

• Give him or her your Member ID and proceed with your

matter.

Section VI

How to Use the ARAG Legal Insurance Plan

The ARAG Legal Insurance Plan contains a no profit provision

coordinating it with other legal plans under which you or your

covered dependents may be covered so that the total benefits

will not exceed 100% of the allowable expense.

An “allowable expense” is any expense covered, at least in

part, by one of the plans. “Plans” means these types of legal

services benefits: (a) coverage under a governmental program

or provided or required by statute, or (b) group insurance or

other coverage for a group of individuals, whether insured

or uninsured. This includes prepayment, group practice

individual practice coverage. When a claim is made the

primary plan pays its benefits without regard to any other

plans. The secondary plans adjust their benefits so that the

total benefits available will not exceed the allowable expense.

No plan pays more than it would without the coordination

provision.

A plan without a coordinating provision is always the primary

plan. If all plans have such a provision:

1. the plan covering the individual directly rather than as the

dependent, is primary and the others secondary;

2. if a child is covered under both parents’ plans, and the

parents have the same birthday, the plan that covered

the individual longer is primary; but when the parents are

separated or divorced, their plans pay in this order:

(a) if a court decree has established financial

responsibility for the child’s legal expenses,

the plan of the parent with this responsibility;

(b) the plan of the parent with the custody of the child;

custody of the child;

3. if neither (1) nor (2) apply, the plan covering the individual

the longest is primary.

When your plan is the secondary plan and its payment is

reduced to consider the primary plan’s benefits, a record is

kept of the reduction. This amount will be used to increase

your legal plan’s payment on any later claims in the same

calendar year — to the extent there are allowable expenses

that would not otherwise be fully paid by your ARAG Legal

Insurance Plan and others.

Section VII

Coordination of Benets

Underwritten by ARAG Insurance Company, Des Moines, Iowa

ARAG

500 Grand Avenue, Suite 100

Des Moines, IA 50309

Service@ARAGlegal.com

ARAGlegal.com

Access Code: 11700UC

ARAG

500 Grand Avenue, Suite 100

Des Moines, IA 50309

800‑247‑4184

Service@ARAGlegal.com

ARAGlegal.com

Access Code: 11700uc