How you cancel your ARAG legal plan depends on how you got it. If you enrolled through your employer, you cancel through your company’s HR or benefits portal, and only during annual open enrollment or within 30 to 60 days of a qualifying life event. If you bought an individual Legal Now plan directly from ARAG, you can cancel anytime by notifying ARAG in writing through the member portal, email, phone, or mail.
Cancelling an Individual Legal Now Plan
ARAG accepts cancellation requests for individually purchased plans through four channels:
- Online, through the member portal at ARAGlegal.com/account
- Email to service@ARAGlegal.com
- Phone to Customer Care at 800-247-4184
- Mail to ARAG, 500 Grand Avenue, Suite 100, Des Moines, Iowa 50309
ARAG’s policy requires written notification. If you call, follow up with an email or letter so you have a paper trail. Mailed requests are safest sent by certified mail with return receipt, which gives you proof of the date ARAG received the request.
Timing matters. Legal Now plans renew automatically each year, so your cancellation needs to reach ARAG before the renewal date. Miss it and you’ll be billed for another full year.
Cancelling an Employer-Sponsored Plan
If your ARAG coverage came through work, you don’t contact ARAG at all. Your employer’s HR or benefits team controls enrollment and termination, and the plan follows the same schedule as your other workplace benefits. In practice, that means you can only drop it during annual open enrollment or within 30 to 60 days of a qualifying life event such as marriage, divorce, the birth of a child, or loss of other coverage.
Log into your employer’s benefits portal or contact HR to decline coverage for the next plan year. The legal plan sits alongside your other benefit elections. Coverage typically runs through the end of the current plan year even after you elect to drop it, so you keep access until the cycle ends rather than losing it mid-year.
If you’re leaving the job entirely, coverage ends at the end of the period for which your premium has been paid. ARAG does allow you to continue coverage individually: you have 90 days from losing eligibility to contact ARAG and set up direct premium payments, which keeps the plan active without a gap.
What Happens to Open Legal Matters
Before you cancel, check whether an attorney is actively handling something for you. ARAG’s plan booklet includes an extension of benefits provision: legal services already in progress before your termination date continue until completed, even after your plan ends. Telephone legal advice and consultation is the exception and stops immediately upon cancellation.
The extension only covers matters that started while you were covered. Anything new that arises after your termination date gets no coverage. If you’re in the middle of a lawsuit, a real estate closing, or another proceeding, keeping the plan active through the end of the matter is safer than cancelling and leaning on the extension.
There’s a related trap on the way back in. Any legal matter that began before a coverage start date is treated as pre-existing and excluded from paid-in-full benefits. If you cancel and later re-enroll, anything that came up during the gap would be considered pre-existing. You could still get telephone advice and a reduced-fee benefit of at least 25% off a network attorney’s normal rate for those matters, but not full coverage.
Re-enrollment Restrictions
Think it through before you cancel, because getting back in isn’t always quick. For employer plans, once you drop coverage you can’t re-enroll until the next annual open enrollment. There is no mid-year sign-up if you change your mind, so you could go months without legal coverage if something unexpected comes up.
For individual Legal Now plans, ARAG’s enrollment terms may also impose waiting periods or renewal restrictions. Confirm the re-enrollment terms with ARAG before you cancel if there’s any chance you’ll want coverage again within the next year.
Confirming the Cancellation Went Through
Verify that your request was actually processed. For employer plans, premiums come out of your paycheck, so your next pay statement after the coverage end date should show the deduction gone. For individual plans, premiums hit a credit card or bank account, and those charges should stop after ARAG processes the cancellation.
If you cancelled by phone, write down the confirmation number and the representative’s name. If deductions keep running past your termination date, contact ARAG’s billing department or your HR team to get it corrected. Keep the cancellation correspondence, confirmation emails, and any certified mail receipts together. Those records are your proof if a billing dispute surfaces months later.