47%78%78% of companies say that stress is their employees’ #1 health risk (above obesity, poor nutrition and tobacco use).2

47% of employees report that stress causes performance issues for them at work.3

American businesses lose more than $300 billion every year because of employees’ stress-related issues, such as productivity, absenteeism,

turnover and out-of-pocket medical, insurance and legal costs.1

3 out of 4Americans

experience oneor more legal

situations a year.4

Not knowing where to turn or how to get

started

Understanding their options

The amount of money they may have to or have already spent

The time commitment necessary to deal with

the legal issue

67%68%

71%

Finding an attorney to help

61%

69%They feel veryor somewhat

stressed about:

Your Employees and You

more likely to have a heart attack

Experience 500% increase in anxiety and depression

Work: Workload, coworker and boss tension

Money: Loss of job, legal and medical expenses, reduced retirement

Health: Terminal or chronic illness, medical emergency

Relationships: Divorce, death, providing care for children and parents

2X3X more likely to have ulcers

Employees with High Stress:5 Top Causes of Stress:6

All medical issues that

can drive up your

company’s health

insurance premiums!

We can help you maintain a work environment with more productive and less stressed employees, which bene�ts them — and you!

of people who worked with an attorney believed the attorney provided them the best outcome, decreased their stress or saved them time.7 of ARAG plan members feel that having legal insurance reduces their stress.8 ARAG plan members feel they save an average of 8.5 hours when dealing with legal issues thanks to their legal insurance.8 Plan members save an average of $3,550 in attorney fees per legal issue.9

of ARAG clients said that implementing ARAG was easy and e�cient.10 of ARAG clients �nd the ongoing enrollments are conducted with ease.10

1 stress.org/workplace-stress/ 2 Willis Towers Watson 2015/2016 Staying@Work Survey. 3 Bensinger, DuPont & Associates. “Stressed at Work: What We Can Learn from EAP Utilization.” 2013. bensingerdupont.com/stressed-at-work4 "How Legal and Financial Issues Impact Your Employees and What You Can Do to Help." Russell ResearchSM for ARAG. December 2016.5 "Paving the Road to Financial Wellness With Voluntary Bene�ts." Purchasing Power. October 2014. 6 Top Causes of Stress in the U.S. American Psychological Assocation. American Institute of Stress. July 2014. http://www.stress.org/daily-life/ 7 "How the Use of an Attorney Impacts Legal Outcomes." Russell ResearchSM for ARAG. January 2016.8 2016 ARAG Plan Member Satisfaction Survey.9 Averag e amount saved based upon top ARAG claims.10 2013 ARAG Client Satisfaction Survey.

96%

90%

92%

95%

© 2017 ARAG North America, Inc. S4398

LESS with ARAG

Employee Employer

Visit ARAGlegal.com or call 800-758-2860 to learn more.

Limitations and exclusions apply. 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, bene�ts or exclusions, call 800-758-2860.