Legal Insurance Coverage
As a leader in legal insurance, ARAG continues to provide comprehensive legal guidance, services and resources to M-DCPS employees and their families.
Benefits of the legal plan include:
- Network attorney fees that are 100% paid in full for most covered legal matters, which can help you avoid high legal costs.
- No waiting periods on ANY coverages (including bankruptcy and divorce). You can use the plan as soon as your coverage begins.
- Broad coverage for life’s everyday legal issues, ranging from family matters and estate planning to contractor disputes and consumer protection issues.
- Access to educational online resources, including helpful articles and guidebooks, along with DIY Docs® to create a variety of legally valid documents on your own.
- Access to ARAG’s nationwide network of more than 14,000 attorneys.
Get Connected to a Local Network Attorney
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To locate network attorneys in your area, call ARAG Customer Care at 800-360-5567, or visit ARAGLegal.com/myinfo and enter Access Code 10287mds. Click on the “Attorneys” tab at the top of the page and select “Find an Attorney.” You can also log in as a member for more details.
You may choose to work with a non-network attorney and the plan will reimburse you according to scheduled limits. The legal services that are available are listed on the chart in this section.
If you need legal representation for a legal situation that’s not covered under the plan, you may have other options, including:
The general in-office coverage benefit for matters not specifically covered or excluded. This benefit provides four hours per family per certificate year of attorney services.
If you use a network attorney, the plan pays 100% of the attorney's fees for most covered (and not excluded) services.
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% off his or her normal rates for the remaining hours. You pay the attorney directly.
In addition, you can save money even if your legal situation is not fully covered and not excluded, as you may be eligible to receive a reduced fee of at least 25% off a network attorney’s normal hourly rate.
Note that 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.
If you use an out-of-network attorney for covered (and not excluded) services, the plan will reimburse you based on the fee schedule provided in the “What the plan covers” section.
Telephone Legal Advice and Consultation
Telephone Legal Advice and Consultation
- General legal advice and consultation on virtually any personal legal matter.
- Standard will preparation.
- Living will preparation.
- Durable powers of attorney preparation.
- Small claims assistance.
- Follow-up calls and letters.
- Specific document preparation.
- Document review.
Immigration Assistance
Immigration Assistance
To help with the immigration process, your plan includes:
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Legal advice and consultation, that includes:
- 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.
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Document review of any immigration forms.
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Document preparation of affidavits and powers of attorney.
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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.
Online Legal Tools and Resources
Online Legal Tools and Resources
- 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 legal, financial, medical and personal information.
- Legal Glossary: Review this collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.
Services for Parents/Grandparents
Services for Parents/Grandparents
As your parents and grandparents age and deal with health issues, odds are good that you will play a part in providing care. The following services are available for you to help a parent or grandparent:
- Legal Hotline
- Annual Legal Check-Up
- Reduced Fee Services
- Support Services from Eldercare Advocates
- Access to the nation’s most comprehensive eldercare database
- Online Tools and Resources
- Eldercare Quality-of-Care Ratings and Reports
- Learning Center with educational articles and guidebooks on elder law topics
- DIY Docs®
Identity Theft Services
Identity Theft Services
- Explain what identity theft is and steps you can take to help prevent it.
- Provide resources to minimize and recover from identity theft.
- Explain plan coverages that may be relevant to the identity theft, such as consumer protection.
- Provide identity theft prevention and victim action kits.
Financial Education and Counseling Services
Financial Education and Counseling Services - ARAG Exclusive
You have access to professional Financial Counselors and online resources exclusively through your ARAG Legal Plan. Experienced Financial Counselors are available to answer questions and provide guidance on a range of financial topics including:
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General financial planning information and guidance.
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Cash and debt management/budgeting.
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Retirement and investment planning.
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Student loan counseling.
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Credit report review.
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Individual retirement accounts (IRAs).
You also have access to online resources through the ARAG Legal Center that provide:
- Interactive Education Modules
- Life Events Guides and Financial Articles
- Self-Guided Money Management Tool
- Financial Calculators
Tools and Resources
ARAG® Legal Plan
Office of Risk and Benefits Management
1501 N.E. 2nd Avenue, Suite 335
Miami, Florida 33132
Mon - Fri, 8 a.m. to 4:30 p.m. ET
www.dadeschools.net
305-995-7129
FBMC Service Center
Mon - Fri, 7 a.m. to 7 p.m. ET
1-855-MDC-PS4U (1-855-632-7748)