Take your legal support

Being enrolled in a legal plan is like having a lawyer on retainer on your side. When you use a network attorney for covered services, all attorney fees are covered by your legal plan.

For $14 or $22 a month, you have access to expert guidance and tools you can use to handle the broad range of personal legal needs you might face throughout your life. This could be when you're buying or selling a home, starting a family, dealing with identity theft or caring for aging parents. The individual legal plan includes advice and consultations on an unlimited number of personal legal matters.⁸

Your plan will fully cover many of the most frequently needed services for addressing personal legal matters, and you will also be entitled to advice and consultations for an unlimited number of personal legal issues even for matters not fully covered by your plan, as long as they are not excluded. 

Yes, you may use the legal 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 retained an attorney before becoming eligible for plan benefits.

“Fully covered” means that all attorney services related to the covered matter are covered by the legal plan when you work with a network attorney. There are no co-pays, deductibles or claim forms when you use a network attorney.

You are eligible for the plan if you were previously enrolled in MetLife Legal Plans through your employer. Hawaii and Maine residents may not be eligible for this individual plan. If you are a resident of these states, contact the legal plans call center at (833) 214-4175 or clientservice@legalplans.com.

Yes, the plan provides coverage for your dependents, including your spouse, domestic/civil union partner, and your covered children. A child will be covered if he or she is under the Limiting Age (either 26 or 21 depending on your state), is either your natural child, adopted child or stepchild, is unmarried, is not employed on a full-time basis, resides in your home, and depends on you for over half of his or her financial support.

When you need legal help, we've made it easy for you. Our network attorneys are available in person, by phone or by email. We also offer access to online tools to complete your estate planning documents or download self-help legal forms. You can speak to our network attorneys face to face, by phone, or you can submit questions online – whatever works best for you. And for certain legal matters, your attorney can represent you in court without you having to make an appearance.

Our Client Service Center representatives are here to help you find an attorney that can help you with your legal matter, whatever it might be. We're committed to ensuring you receive the expert legal help you need, when you need it.

You have unlimited use of the plan over the course of the year for covered legal matters.

Even experienced attorneys need to grow their practice. By providing exceptional service for you and other plan members, they can gain more clients through your referrals. That's how we've established a large network of highly experienced attorneys, with managing attorneys averaging 25 years of experience. And, we routinely monitor our attorneys to ensure our members' needs are being met and conduct regular re-credentialing audits of legal activity, member feedback, verification of malpractice insurance and more.

Yes – you can use any attorney you'd like. If you choose an attorney outside of our network, we'll reimburse you for services based on a set fee schedule.⁹

Your monthly payments will be made through convenient automatic withdrawals from the bank account of your choice.

Coverage always begins on the first of the month, and the month in which your coverage begins depends on the day of the month on which you enroll.

• If you enroll on or before the 23rd of the month, your coverage will begin on the 1st of the next month. Example: If you enroll on 4/10, your coverage will begin on 5/1, the first day of the next month.
• If you enroll after the 23rd, your coverage will begin on the 1st of the month after next. Example: If you enroll on 4/27, your coverage will begin on 6/1, the first day of the month after next.

You'll enroll for 12 months of coverage starting on your coverage effective date. At the end of 12 months, your policy will renew automatically unless you request a cancellation before renewal.

We make using the plan easy. Members have unlimited access to our attorneys for all legal matters covered under the plan. We also cover telephone and office consultations even for non-covered personal legal matters, so long as they are not excluded. These services are offered by local network attorneys, and billing is between us and the network attorney. There are no waiting periods, no copays, no deductibles and no claim forms when using a network attorney.

Possibly, but not always. Your individual plan will cover many of the core services for personal legal matters and give you access to the same network of attorneys, estate planning tools and self-service documents. Your plan will also include unlimited initial consultations with attorneys except for excluded services.  

Excluded services are matters the plan specifically will not provide any coverage for. No services or consultations will be provided for the following

• Matters involving MetLife or its affiliates, or any Plan Attorney as an adverse party.
• Any employment-related matters.
• Appeals or class actions.
• If your legal plan is sponsored by a company, matters involving that company and its affiliates are excluded.¹⁰
• Transactions involving farms or businesses, rental property for which you are the landlord, patent or copyright law, or property held for investment or rental.
• Amounts owed to third parties such as: court costs, filing fees, recording fees, fines, judgements, witness fees, or transcripts.
• Any matter deemed by MetLife to be frivolous, harassing or in contravention of the rules of ethical conduct governing attorneys.

Yes.

Yes. You'll enroll for 12 months of coverage starting on your coverage effective date. At the end of 12 months, your policy will renew automatically unless you request a cancellation before renewal. You must remain enrolled in the individual legal plan for an initial 12-month term. You will receive communication when your renewal is approaching and be given the opportunity to cancel after your 12-month commitment is complete.  

No. You must remain enrolled in the individual legal plan for an initial 12-month term. At the end of 12 months, you may cancel. 

Log in to your subscription account at metlifelegal.com/login to cancel.

Yes, you may re-enroll in the individual plan at any time after you cancel. Your re-enrollment in the individual plan requires a 12-month commitment.

You may keep your individual legal plan for as long as you wish, as long as you maintain your monthly payments without canceling.