You're more likely to need legal services than to be hospitalized. Yet, while most people have medical insurance, they have no safety net to handle legal events in their life. With MetLife Legal Plans, you can obtain services from attorneys in much the same way as you do from the doctors who participate in your medical plan.
MetLife Legal Plans provides access to a network of participating attorneys for help with a wide range of legal matters, such as:
Who is the provider?
MetLife Legal Plans is the country’s largest provider of legal voluntary benefits, serving nearly 5 million people at about 3,000 organizations, including over 200 of Fortune 500® companies. We have more than 40 years of experience in employee legal services and are committed to providing excellent care to our plan members, sponsors and network attorneys.
How can this help me?
Have you ever wished you had an attorney in the family? Someone who could:
Now you can get something even better with your legal benefit. This benefit puts a team of attorneys on your side … ready whenever you need help on legal matters or financial issues. That means you can have an attorney draw up a will. Have a lawyer defend you for a traffic matter. Even get a legal opinion on what to do about a neighbor’s fence that’s sitting on your property—and it’s all covered under your legal benefit. Sound too good to be true? It’s not.
Who is eligible?
You, your spouse and qualifying dependents are eligible.
For a full listing of what is covered, please refer to the plan certificate or call MetLife Legal Plans at 1-800-821-6400 from 8:00a.m. to 8:00p.m. Monday-Friday, Eastern Time.
Are there any exclusions?
The plan covers most personal legal services. The following matters are excluded from coverage:
Please Note: You are encouraged to use the plan to resolve as many legal issues as possible, even if they are pre-existing matters. The only pre-existing matters that are not covered are those for which you have retained an attorney before becoming eligible for plan benefits. This is necessary to protect the existing attorney-client relationship.
Please refer to the plan certificate for additional details.
What attorney can I use?
You'll have access to a nationwide network of more than 17,500 participating attorneys from which to choose. Network Attorneys have an average of 25 years or more of legal experience and have met stringent selection criteria. If you stay within the network, covered legal services are provided with no additional attorney fees. You also have the flexibility to use an out-of-network attorney and get reimbursed for covered services according to a set fee schedule.
Visit MetLife Legal Plans to find a Network Attorney near you.
How is the attorney paid?
Attorneys' services for covered legal matters are fully paid for by the plan except for excluded matters and third-party fees. When services are rendered for covered matters, you do not receive a bill for the Network Attorney and they do not complete a claim form. All billing and payments are handled directly between the Network Attorney and the plan.
What if my employment status changes?
You may continue coverage by electing the option of portability when you no longer qualify as an eligible employee of the Policyholder or as a Member of the group to which the Plan is issued. You must apply for portability within 30 days of your last day of employment. Portability coverage will take effect, subject to payment of the initial premium, as of the date your coverage under the group policy terminates.
Group legal plans are provided by MetLife Legal Plans, Cleveland, Ohio. In certain states, the plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Company and Affiliates, Warwick, Rhode Island.