OPIP Legal Expense Insurance

Legal Expense Insurance will help you defend or pursue your family’s legal rights, save time and effort with access to qualified lawyers and be confident so you can focus on what matters most.

Plus, Legal Expense Insurance provides the security of knowing that once a claim has been accepted, the costs of pursuing a legal action will be covered.

The benefits of Legal Expense Insurance

As part of your OPIP coverage, your Legal Expense Insurance policy also provides unlimited access to a legal helpline.

A helpline lawyer will provide you with information and assistance on any personal legal matter, regardless if it is covered by the policy or not.

You also have the option to call and schedule a time for a helpline lawyer to call you when it is most convenient within your busy schedule.

This policy, provided by ARAG Legal Solutions Inc., protects you, your spouse or civil partner and children normally living at home by covering legal costs for:

Tax disputes (personal and business)
Driver’s licence protection
Employment disputes
Auto and employee legal defence
Property disputes
Worldwide bodily injury
Auto and non-auto contract disputes

A wide range of legal expenses are covered, including your assigned legal counsel and court fees, plus if a judge orders you to pay the other party’s legal costs if you happen to lose your case.

Information for OPIP members

Any covered incident must be reported to ARAG within 120 days of the date of occurrence
Only legal expenses that have received prior approval from ARAG will be reimbursed

For full coverage details, deductibles, exclusions and policy limits, please refer to your OPIP Legal Expense Insurance certificate and policy wording.

Have a legal question or want to make a claim?

Please call the legal helpline at 1-855-953-1433. For details on what is and is not covered, see the Legal Expense Insurance quick reference guide.

How do I make a claim?

Making a claim with ARAG is easy and convenient. It involves four simple steps.

Call the legal helpline at 1-855-953-1433 to speak with an intake agent to discuss your situation. The helpline is available between 8 a.m. and midnight, seven days a week. In an emergency situation, ARAG can facilitate access to a lawyer 24 hours a day, seven days a week. You will be asked for your name and policy number to ensure that your policy is in force and to confirm your identity. Your policy number is your OMA number. If a lawyer is not immediately available, you will be asked to provide a suitable time to receive a call-back.
The lawyer will discuss your issue in detail with you and provide the necessary advice. If the lawyer believes the issue is a potential claim under the policy, your file is forwarded to the ARAG claims department.
Your file is reviewed and a coverage decision is made. If the legal issue is eligible for coverage, the file is forwarded to one of the ARAG panel lawyers. Your claims representative will work with you and your assigned lawyer to ensure your claim moves forward in an efficient manner. Keep in mind that many legal situations can take a substantial amount of time to resolve.
The assigned lawyer will handle your case until it is resolved.