ARAG's legal plan is an insurance product and not a lawyer referral service. In return for receiving a monthly insurance premium from the plan member/insured, ARAG's insurance policy pays the cost of network attorney fees incurred by a plan member on covered legal matters. For instance, if a plan member/insured would like to have some estate planning documents prepared (will, DPOA, HCPOA, living will) the plan member can review the online list of ARAG network attorneys and retain an attorney of his/her own choosing. Upon completing the work, the network attorney submits an invoice/claim to ARAG for payment. ARAG issues payment directly to the attorney pursuant to the legal plan. There is no charge for an attorney to join the ARAG Network, and attorneys must meet certain criteria and standards. There is no fee-splitting of any kind.