For a low monthly premium, you’ll have access to a nationwide network of attorneys who can:
Network attorneys can help with a variety of legal services, including:
Visit ARAGlegal.com/myinfo and enter access code 18585ci to learn more about what the plan offers, research legal topics and more!
NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.
Active Cigna Employees
As a new hire, you can enroll within 31 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
UltimateAdvisor® provides a wide range of coverages, legal services and online tools and resources for $16.75 per month.
Payments can be made via payroll deduction, which covers you, your spouse/domestic partner and dependents.
Who is the provider?
ARAG® is a leading provider of legal insurance in the U.S., offering the most comprehensive legal insurance plan designed around a nationwide network of attorneys. Network attorney fees are 100% paid in full for most covered legal matters.
The legal insurance plan provides affordable legal counsel for a variety of legal matters, such as a dispute with a contractor, buying or selling a home or creating a will.
How can this help me?
Legal is everywhere. And this affordable, versatile benefit puts a network of attorneys on your side, ready whenever you need assistance with legal matters or financial issues. That means you can consult with a network attorney who can help you create a will, fight a traffic ticket or take legal action regarding a dispute with a home contractor. And it’s covered under your legal insurance benefit because network attorney fees are 100% paid in full for most covered legal matters.
Simply call ARAG Customer Care at 1-800-247-4184 and a specialist will help you get connected with a network attorney in your local area. The attorney can:
To help you better manage today’s common legal and financial matters, visit the Learning Center at ARAGlegal.com, where you have access to a variety of tools and resources, including:
Educational articles, videos and guidebooks: Get helpful tips regarding key legal, financial and consumer issues like estate planning, debt collection, identity theft, caregiving and working with an attorney.
Personal Information Organizer: Download this document to help you keep track of all your critical legal, financial, medical and personal information.
Legal Glossary: Review this comprehensive collection of terms and coverages, with easy-to-understand descriptions and real-life examples to help you learn more about your legal issue.
Who is covered?
You and your eligible family members are covered.
ARAG’s legal insurance plan (or benefit) offers unlimited telephone advice and in-office consultations regarding a wide range of personal legal issues and full representation for the following:
Plus many more—visit ARAGlegal.com and enter your access code for a complete list.
Are there any exclusions?
The plan covers most personal legal services. The following matters are excluded from coverage:
Pre-existing matters: If you have already hired the services of an attorney, a legal action has been filed or any actual or alleged violations of either party's rights has occurred, you are not eligible for paid-in-full coverage. However, as a plan member, you are eligible to receive telephone legal advice for non-excluded matters from a network attorney as well as reduced fee benefits for in-office legal services of at least 25 percent off their normal rate.
What attorney can I use?
You have access to a network of more than 14,000 network attorneys across the U.S. who:
You also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the indemnity benefits under your legal plan. If you have difficulty connecting with a network attorney, contact ARAG for help to receive full plan benefits on covered matters.
To find local network attorneys, please contact ARAG’s Customer Care Center at 1-800-247-4184. You can also log in to ARAGlegal.com and access the Attorney Finder to search for a network attorney by area of law and location. If you have any difficulty locating a network attorney, please call ARAG’s Customer Care Center for assistance.
Members can also download the ARAG Legal app to make it easier to select and connect with attorneys.
How are payments handled with a non-network attorney?
As a member, you have the choice to see a network or non-network attorney; however most members use a network attorney for their legal matter. If you choose to work with a non-network attorney, you will be billed directly by them. You will then be required to provide ARAG with appropriate documentation—including an ARAG non-network attorney claim form—to be reimbursed for covered legal services under your indemnity benefits. Reimbursement will then be made to you according to the indemnity amount, which is listed in your group policy.
Can I use this plan for small business-related or employment-related legal matters?
No. ARAG provides legal protection for personal legal matters and does not provide services for business-related legal matters or any matter involving your employer, its subsidiaries or insurance carriers.
What if my employment status changes?
If members leave employment, they have the option of enrolling in an ARAG conversion plan that offers similar benefits and arrange to pay premiums to ARAG directly for coverage. Contact ARAG at 1-800-247-4184 for details.
Limitations and exclusions apply. Depending upon a state's regulations, ARAG's legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritted by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of 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, benefits or exclusions, call 1-800-247-4184.