Legal Plans
Wherever your life’s journey takes you, get protection at every step.
A plan that supports you when it matters most
Life is full of meaningful moments—some exciting, some challenging—all of them important. Whether you're buying a home, growing your family, or planning for the future, having the right legal support matters.
MetLife Legal Plans is here to make it easier, so you never have to face those moments alone.
What’s covered?
You get access to a nationwide network of vetted and qualified attorneys who can help you with a wide range of issues. If you’re considering adding to your family, buying or selling a home, or creating a will or estate, our network of attorneys and easy-to-use online tools can help simplify the process. For legal matters that come without warning – like identity theft, tax issues, or even traffic violations – you’ll get the information and guidance you need to be prepared.
We cover these matters and more:
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What do you get with a legal plan?
Vetted nationwide network
With a nationwide network of over 18,000 pre-qualified, experienced attorneys, you can easily access trusted legal support wherever you are.
Choice and convenience
Work with an attorney of your preference by filtering through our network for experience, legal matter and even cultural sensitivity. There are no copays, deductibles, or usage restrictions.1 You can schedule an attorney consultation for multiple covered matters throughout the year.
Complete coverage
From consultation and drafting or reviewing documents, to representation in court, our attorneys are with you from start to finish.
Flexible service
Whether you prefer to communicate via phone, chat, email, or online, our award-winning client service center and our member portal take the guesswork out of finding an attorney.
24/7 Online support
During the day, our “live chat” feature can help resolve questions you may have about the service and your coverage. After hours, the 24/7 “Ask Lexi” chat tool offers you employees helpful articles, while the self-help library provides access to 1,700 legal documents. Employees can filter attorneys by gender, language, race, and expertise, and complete estate planning online.2
Ask an attorney
Our popular “Ask An Attorney” feature allows you to email a network attorney with any type of legal question before scheduling and meeting with their attorney of choice. If you’re simply looking for an answer, the feature offers an added level of convenience.
Did you know?
On average, lawyers charge upward of $391 an hour for legal help. This amount is significantly more than the cost of a legal plan for an entire year!3
Make big becisions a little easier
Need legal help? Tap into a trusted network of attorneys—whether you're planning ahead or facing something unexpected.
Calculate your potential legal savings
Legal Plan FAQs
For a low monthly cost, our legal plan offers value, convenience and peace of mind by giving you easy access to attorneys for a wide variety of personal legal services. Legal issues arise when you get married, have a baby, buy or sell a home or become a caregiver for a spouse or parent. On average, lawyers charge upward of $391 an hour for legal help, an amount that is significantly more than the cost of a legal plan for a year.3
When you use a network attorney for covered services, attorney fees are covered by the legal plan. Advice and consultations on a number of personal legal matters are also included. Payments are made conveniently and easily through payroll deductions.
Getting started is easy.
You can choose an attorney from our network—available online or through our client service team—based on your specific legal needs. You can connect with attorneys in person, by phone, or online using our "Ask an Attorney" feature. For certain matters, an attorney can even appear in court on your behalf. It’s that simple.
A legal plan provides fully covered services for many of the most frequently needed personal legal matters, in addition to advice and consultations on an unlimited number of personal legal issues, including:
- Renting, buying, or selling a home
- Traffic tickets
- Debt collection
- Marriage and divorce
- Reproductive assistance
- Adoption
- Estate planning
- Immigration assistance
- Custody and guardianship
- Identity theft
- Caregiving
The legal plan provides a consultation benefit for most personal legal matters. What’s more, many personal legal matters are fully covered. For a list of fully covered services in your organization’s legal plan, please log in or call our Client Service Center at (800) 821-6400. The following matters are excluded from all plans:
- Employment-related matters, including company or statutory benefits
- Matters involving the employer, network attorneys, MetLife and affiliates
- 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 and business matters, including rental issues when the plan member is the landlord
- Patent, trademark, and copyright matters
- Filing fees, costs, and fines
- Frivolous or unethical matters
- Matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits
Yes, MetLife Legal Plans encourages members 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 retained an attorney before becoming eligible for plan benefits.
MetLife Legal Plans is the only provider to cover office consultations and telephone advice for an unlimited number of covered and non-covered personal legal matters, so long as they are not excluded. These services are offered by local network attorneys.