Legal Plan

For a low monthly cost, the Legal Plan provides access to experts who can help you with a range of legal matters. The Legal Plan is administered by ARAG.
Here’s a high-level overview of the UltimateAdvisor® Legal Plan. For more information, go to the ARAG website and enter the access code: 18694bmo.
Who You Can Cover You may cover yourself, your spouse/domestic partner and/or dependent children.
What’s Covered The following legal matters are covered under the plan and are available in-person or over the phone:
  • Wills
  • Divorce
  • Traffic violations
  • Sale or purchase of a home
  • Trusts
  • Consumer protection
  • Bankruptcy
  • Civil damage defense
  • Property issues
  • Family law
  • Identity theft
  • Caregiving support
  • Tax service
  • Immigration assistance
Benefit Amount

When you work with a network attorney, fees for covered services are 100% paid-in-full. For legal matters not covered under the plan, you are eligible to receive at least 25% off the network attorney’s normal rate.


You pay the cost for the Legal Plan through automatic, after-tax payroll deductions. See Legal Insurance Premiums.

Finding a Network Attorney

You have access to more than 14,000 attorneys in ARAG’s network. Find a network attorney on the ARAG app:

Portability (When you Leave BMO) If you leave BMO or retire, you can take your coverage with you.

Access DIY Documents

Get access to legally valid documents reviewed by attorneys for accuracy and state-specific compliance in all fifty states. Service available online.

Call the Legal Hotline

Call a network attorney to ask questions or get help for a personal legal matter, as often as you need. Call 1-800-247-4184.

Need assistance?

The Human
Resources Centre


Monday – Friday, 8 a.m. – 5 p.m. CT.