2020 ARAG Legal Plan Flyer_2020

Legal Insurance from ARAG

Designed for Mid-America Apartments, L.P.

What does legal insurance cover? A legal insurance plan from ARAG® covers a wide range of legal needs like the examples shown below— and many more — to help you address life's legal situations.

What does it cost? UltimateAdvisor® Family: $6.23 biweekly   UltimateAdvisor Plus TM Family: $10.15 biweekly

Family ✔ Adoption ✔ Guardianship/conservatorship ✔ Name change ✔ Pet-related matters Landlord/Tenant Issues ✔ Contracts/lease agreements ✔ Eviction ✔ Security deposit ✔ Disputes with a landlord Real Estate & Home Ownership ✔ Buying a home ✔ Deeds ✔ Foreclosure

Consumer Protection Auto repair

Buy or sell a car Consumer fraud Consumer protection for goods or services Home improvement Personal property disputes Small claims court Criminal Matters Juvenile Parental responsibility Debt-Related Matters Debt collection Garnishments Personal bankruptcy Student loan debt Driving Matters License suspension/revocation Traffic tickets Tax Issues IRS tax audit IRS tax collection

✔ Contractor issues ✔ Neighbor disputes ✔ Promissory notes ✔ Real estate disputes ✔ Selling a home Wills & Estate Planning ✔ Powers of attorney ✔ Wills

What is legal insurance? Legal coverage isn’t just for the serious issues, it’s for your everyday needs, too. Legal insurance helps you address common situations like creating wills, transferring property or buying a home.

✔ Child custody, support, visitation ✔ Divorce ✔ General in-office hours ✔ Trusts

Which plan is right for you?

UltimateAdvisor Plus ™

offers youmore including:

More details, please! See the complete list of what both plans cover at: Access Code: 18333maa ARAGlegal.com/myinfo

Let's Talk! Call ARAG at 800-247-4184

Check out these common legal needs you could encounter in your everyday life. Work with a network attorney and attorney fees are 100% paid-in-full for most covered matters. What are your legal risks?

Why should you get legal insurance?

Take a quick quiz to find out — scan this code on your phone.

Save an average of $2,065 per legal matter.*

Debt issues Access more than 14,000 attorneys within ARAG’s network with an average of 20 years of experience. Address your covered legal situations with a network attorney who is only a phone call away for legal help and representation.

Identity the

Buying a house • Review or prepare documents. • Make follow-up calls or write letters on your behalf. • Advise you on legal issues. • Represent you – including if you go to court. Home renovations Getting married See What a Network Attorney Can Do for You Whenever you face legal needs throughout life, your ARAG legal coverage is there for you. Visit with a Network Attorney who will:

Dispute with a landlord

Use DIY Docs® to create any of 350+ legally valid documents, including state-specific templates.

How does legal insurance work?

Trac violations Reviews fromplanmembers “ARAG gives me the right protection and makes me feel at ease when a legal situation that I have to solve arrives. I made the right decision joining ARAG a few years ago and will keep this plan protection for many years to come.” – Clara Miami, FL Starting a family when you have a legal matter. Customer Care will walk you through your options and help connect you to the appropriate network attorney. Meet with your network attorney over the phone or in person to begin resolving your legal issue. 1 2 3 Call 800-247-4184

Settling a loved one’s estate


Legal is everywhere. 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, GuideOne® Mutual Insurance Company West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West 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 our toll-free number. Rev 6/19 200333aa * Average cost to employee without legal insurance is based on the average number of attorney hours for claims incurred in 2016 or 2017 and paid by December 31, 2018, multiplied by $368 per hour. $368 is the average hourly rate for a U.S. attorney with 11 to 15 years experience according to The Survey of Law Firm Economics: 2018 Edition, The National Law Journal and ALM Legal Intelligence, October 2018. © 2019 ARAG North America, Inc.

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