Legal Insurance

Legal Insurance


For a low monthly premium, you’ll have access to a nationwide network of attorneys who can:

  • Work with you in person, virtually or over the phone or online to consult on legal issues.
  • Review or prepare personal documents.
  • Make follow-up calls or write letters on your behalf.
  • Represent you—even in court, if necessary.

Network attorneys can help with a variety of legal services, including:

  • Wills and estate planning
  • Real estate and home ownership
  • Traffic tickets and license suspension
  • Disputes with a landlord
  • Family law matters
  • Small claims court
  • Consumer fraud
  • Personal property disputes
  • Student loan debt
  • Bankruptcy
  • And more!

Sign up today for comprehensive legal protection.


NOTE: When you enroll, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period. You may only cancel your legal plan during annual enrollment or with a qualifying life event. To cancel, please call the employee service center at 1-800-336-9421.


Tell Me More

As a new hire, you can enroll within 60 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.

You can choose between two plans:

UltimateAdvisor® provides a wide range of coverages, legal services and online tools and resources for $17.00 per month.

UltimateAdvisor Plus™ offers everything you get with UltimateAdvisor, along with additional services for even greater value, like tax services, financial education and counseling and services for parents and grandparents, for $21.69 per month.

Payments can be made via payroll deduction, which covers you, your spouse/domestic partner and eligible dependents.

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET

How It Works

Enroll in the ARAG Legal Plan

Contact a network attorney

Receive unlimited legal advice on personal legal matters when you need it


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    ARAG® is a leading provider of legal insurance in the U.S., offering the most comprehensive legal insurance plan designed around a nationwide network of attorneys. Network attorney fees are 100% paid in full for most covered legal matters.

    The legal insurance plan provides affordable legal counsel for a variety of personal legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.

  • How can this help me?

    You can’t predict the future, but you can plan for it. Legal insurance isn’t just for the serious issues, it’s for your everyday needs, too. Legal insurance helps you address common situations like creating wills, buying a home or dealing with a traffic ticket. And at ARAG, network attorney fees are 100% paid-in-full for most covered matters.

    Simply call ARAG at 1-800-247-4184 and a Customer Care specialist will help you get connected with a network attorneys in your local area. The attorney can:

    • Review or prepare personal documents.
    • Make follow-up calls or write letters on your behalf.
    • Advise and consult with you on legal issues.
    • Represent you—even in court, if necessary.

    To help you better manage today’s common legal and financial matters, visit the Learning Center at, where you have access to a variety of tools and resources, including: 


    Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.


    Personal Information Organizer: Download this document to help you keep track of all your critical information, including legal documents, financial accounts, medical records and personal data.


    Multi-Part Educational Email Series: Sign up to receive the ins and outs on a variety of legal matters delivered straight to your inbox. 

  • Who is covered?

    You and your eligible family members are covered.
  • What’s covered?

    ARAG’s legal insurance plan (or benefit) offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:

    • Wills and estate planning
    • Real estate and home ownership
    • Traffic tickets and license suspension
    • Disputes with a landlord
    • Family law matters
    • Small claims court
    • Consumer fraud
    • Personal property disputes
    • Student loan debt
    • Bankruptcy


    Plus many more—visit and enter your access code for a complete list.

  • Are there any exclusions?

    The plan covers most personal legal services. The following matters are excluded from coverage:

    • Matters against ARAG, the policyholder or an insured against the interests of the named insured under the same Certificate.
    • 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.
    • Legal services in class actions, post judgments, punitive damages, malpractice, appeals, small claims court or equivalent court in your state.
    • Legal services deemed by ARAG 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..

    Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for paid-in-full coverage. However, as a plan member, you are eligible to receive telephone legal advice for non-excluded matters from a network attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.

  • What attorney can I use?

    You have access to a network of more than 15,000 network attorneys across the U.S. who:

    • Average more than 20 years of experience practicing law.
    • Can meet a wide range of legal needs.
    • Are re-credentialed annually to maintain ARAG's service expectations.
    • Must fulfill specific criteria to maintain their status in the network.


    If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters. You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan.


    To find local network attorneys, please contact ARAG Customer Care at 1-800-247-4184. You can also log in to and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call ARAG Customer Care for assistance.


    Members can also download the ARAG Legal app as a convenient way to select and connect with network attorneys on the go.

  • How are payments handled with a non-network attorney?

    As a member, you have the choice to see a network or non-network attorney; however most members use a network attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including an ARAG non-network attorney claim form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy. Contact ARAG Customer Care at 1-800-247-4184 to request a non-network attorney claim form.
  • Can I use this plan for small business-related or employment-related legal matters?

    No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer. Please see the plan certificate for specific exclusions and additional information.
  • What if my employment status changes?

    If members leave employment, they have the option of enrolling in an ARAG conversion plan that offers similar benefits and arrange to pay premiums to ARAG directly for coverage. Contact ARAG at 1-800-247-4184 for details.

Limitations and exclusions apply. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 1-800-247-4184.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.