MetLife Legal Plans
Legal issues can arise at any stage of life—and the cost of professional legal help can add up quickly. MetLife Legal Plans give you affordable, convenient access to experienced attorneys and online tools to help you handle both planned and unexpected legal needs with confidence. For a low monthly cost paid through payroll deductions, you can receive ongoing legal support for a wide range of personal matters—without worrying about hourly attorney fees.
You can view your benefit premiums in Workday during the enrollment event. Since costs vary based on the plan, your coverage level, and who you enroll, your premium will be tailored to your specific selections. For general rate information at any time, search “Employee Premiums” in the Workday search bar. Be sure to review your elections to see your exact cost.
Program Overview
MetLife Legal Plans provide access to a nationwide network of prequalified attorneys who can assist you in person, by phone, or by email. You also have access to online legal tools and resources for do‑it‑yourself needs. Best of all, when you use a network attorney for a covered matter, there are no copays, deductibles, or claim forms, and you have unlimited access for covered legal services.
If you choose to work with an out‑of‑network attorney, the plan will reimburse a portion of the cost, and you are responsible only for any difference.
How to Use the Plan
- Create an account at members.legalplans.com or call 800‑821‑6400
- Review your coverage and choose a network attorney
- Contact the attorney to schedule your consultation
That’s it—no claim forms required when using a network attorney.
Who Pays
- This is a voluntary benefit
- Employee‑paid through convenient payroll deductions
Eligibility and Waiting Period
Eligibility
- Available to eligible MTM employees
- Coverage extends to your spouse and eligible dependents
- Enrollment is voluntary
Waiting Period
- There are no waiting periods—coverage begins as soon as your enrollment is effective
What the Legal Plan Covers
The plan covers a wide range of common personal legal matters, including:
Estate Planning
- Simple and complex wills
- Living wills and healthcare proxies
- Powers of attorney (financial, healthcare, childcare, immigration)
- Revocable and irrevocable trusts
You can also create wills, living wills, and powers of attorney online in as little as 15 minutes, with digital signing and notarization available in some states.
Money & Financial Matters
- Debt collection defense
- Negotiations with creditors
- Personal bankruptcy
- Tax audit representation and tax collection defense
- Identity theft defense and identity restoration services
Home & Real Estate
- Buying, selling, or refinancing a home
- Mortgages and home equity loans
- Eviction defense and foreclosure matters
- Property tax assessments
- Security deposit disputes and tenant negotiations
Family & Personal Matters
- Adoption and guardianship
- Name changes
- Prenuptial agreements
- Immigration assistance
- Protection from domestic violence
- Review of any personal legal document
Civil, Traffic & Other Matters
- Small claims assistance
- Civil litigation defense
- Consumer disputes
- Defense of traffic tickets (excluding DUI)
- License suspension due to DUI (representation limited)
Elder Care Support
Consultation and document review services for your parents, including:
- Wills and powers of attorney
- Nursing home agreements
- Medicare and Medicaid documents
Additional Support for Non‑Covered Matters
For personal legal matters that are not otherwise covered or excluded, the plan includes up to four hours of network attorney time per year for you, your spouse, and eligible dependents combined.
Why Choose MetLife Legal Plans?
- Predictable, affordable monthly cost
- Access to experienced attorneys nationwide
- Unlimited covered legal services
- No copays or deductibles for network attorneys
- Easy estate planning and document creation tools
- Support for both everyday legal needs and major life events