Metlife

Here's what you need to know

What it does for you
Why it's important
When you can enroll

This plan gives you and your family access to a network of over 18,000 experienced attorneys nationwide who are available to help you when you need it.

You’re protected by a reliable resource you can turn to for a wide range of legal needs. That includes needs that are part of good planning – and also those that happen when you encounter challenging situations you don’t expect.

Network attorneys can help with many legal issues, including but not limited to these:

Wills, trusts, and estate planning (power of attorney)
Real estate and home ownership (buying/selling contracts, negotiations, deeds)
Traffic matters (drivers license restoration, traffic tickets)¹
Family law matters (name change, adoption)
Small claims court
Consumer protection issues (auto repair, consumer fraud)
Personal property disputes
Debt-related matters (bankruptcy, debt collection)
Landlord/tenant matters (contracts, eviction, disputes, security deposit return)

There are no additional fees or copayments when using a network attorney. Beyond that, you also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the fixed amount (indemnity) benefits under your legal plan.²

We encounter numerous legal matters throughout the course of our lives. Wouldn’t it be nice to have a legal expert on your side who could help guide you through these situations? With MetLife, now you have access to legal professionals who can help advocate for your best interests.

Beyond providing access to network attorneys, plan benefits include:

Unlimited use of network attorneys for covered issues³
Online digital estate planning tool—create wills and trusts, healthcare proxies, and power of attorney documents
Many other self-help legal forms (with variations by state) you can download from the comfort of your home
An online tool to send questions to an attorney
No claim forms required when you use the services

It's also invaluable when you want to have clout and get action in a dispute. For example:

Taking legal action to resolve a contract dispute with a home improvement contractor or a landlord, or a refund dispute
Fighting a traffic violation ticket in court
Navigating your way through a consumer fraud or an identity theft issue

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.

MetLife Legal Plans takes the guesswork out of finding an attorney. Once you and your family members are covered, you know exactly where you can turn for legal help, without an expensive hourly rate.

These are the periods when you are eligible to enroll:

Within your new hire enrollment period
If you have a qualifying life event (you get married, have a baby, etc.)
During Iron Mountain's annual enrollment

As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the Iron Mountain's annual enrollment period. $15.00 per month, via payroll deduction, covers you, your spouse/domestic partner and dependents.

Note: When you enroll, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.

Who is the provider?

MetLife

MetLife Legal Plans is the country’s largest provider of legal voluntary benefits, serving over 5 million people at about 5,000 organizations, including over 220 of Fortune 500^® companies. We have over 45 years of experience in employee legal services and are committed to providing excellent care to our plan members, sponsors and network attorneys.

Who in my family is eligible for this program?

How much does this coverage cost?

What if my employment status changes?

Good news! If you leave or retire from your current employer you can still access the benefits of a legal plan by enrolling in individual coverage, which you can take with you to your next venture. To enroll in or learn more about an individual legal plan visit MetLife.com/individual-legal-plans or call the Client Service Center at (833) 214-4175.

Maine and Hawaii residents are not eligible for the individual plan. Please call the Client Service Center at (833) 214-4175 to see if you are eligible for an alternate offering.

When would my coverage start?

What attorney can I use?

You'll have access to a nationwide network of more than 18,000 participating attorneys from which to choose. 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.

After you enroll, you can visit members.legalplans.com to find a network attorney near you.

What kind of credentials do these attorneys have?
Our network attorneys:
- Are vetted for years of experience, graduation from an accredited law school, and in good standing with the American Bar Association
- They agree to our Attorney Code of Excellence
- Have an average of 25 years of experience practicing law
- Must fulfill specific criteria to maintain their status in the network
- Are re-credentialed regularly to maintain MetLife's standards

Can I get help finding the right attorney for my needs?

What are excluded matters?
The plan covers most personal legal services. The following matters are excluded from coverage:
- Employment-related matters, including company or statutory benefits
- Matters involving MetLife and affiliates, and plan attorneys
- Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents
- Appeals and class actions
- Farm matters, business or investment matters, matters involving property held for investment or rental, or issues when the Participant is the landlord
- Patent, trademark and copyright matters
- Costs or fines
- Frivolous or unethical matters
- Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits
Please refer to the plan certificate for additional details.

Legal Disclaimers

¹Does not cover DUI.

²The Participant will be reimbursed according to the set fee schedule, the lesser of the maximum reimbursement amount or the attorney’s actual charge. Your employees will be responsible to pay the difference, if any, between the plan’s payment and the non-plan attorney’s charge for services. MetLife Legal Plans is not responsible for legal work performed by out-of-network attorneys.

³Unlimited coverage for non-excluded services with in-network attorneys. For out of network attorneys, there is a fee reimbursement schedule. Participants must pay the difference between the scheduled reimbursement amount and the out-of-network attorney’s actual charge for the services."

MetLife Legal Plans | 1111 Superior Ave, Suite 800 | Cleveland, OH 44114

L0723033343[exp0725][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC

Group legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Payroll deduction required for group legal plans. For costs and complete details of the coverage, call or write the company.

Mercer's Role & Compensation

Legal | Metlife

Legal Assistance

Life is filled with moments where you might need legal help. With MetLife Legal Plans, getting legal help is easy and cost effective.

Here's what you need to know

How It Works

You recently had a child and decide it’s time to create a will.

You recently had a child and decide it’s time to create a will.

Because you’re enrolled in your Legal Plan, you’re covered.

Frequently Asked Questions

Are you ready To Enroll?