Legal Plans


Many of life’s moments—big and small— call for legal guidance. It’s not just handy for when trouble strikes, but for all kinds of reasons, from negotiating new home contracts to estate planning. MetLife Legal Plans makes it easy to get the legal help you need.

Legal plans benefits

Largest attorney network

Tap into a network of 18,000 experienced attorneys available to support you. Plus, if you use an attorney outside our network, you'll be reimbursed for part of the costs.2

Digital tools

Get access to over 1,700 online resources, including forms for wills, living wills, durable power of attorney documents, and living trusts. You can complete an estate plan in just 15 minutes.

Robust coverage, unlimited visits

Connect with in-network attorneys as many times as you want and for help with over 100 legal matters – without waiting periods, deductibles, copays, or claim forms.

Help when and how you need it

Whether online or on the phone, it’s easy to find or schedule an appointment with an attorney.

What situations do Legal Plans help support?

With MetLife Legal Plans, you get unlimited access to a network of experienced 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.

Family Home                            Finances
  • Adoption/reproductive assistance
  • School & administrative hearings
  • Wills & estate planning  
  • Buying a home
  • Selling a home
  • Renting a home
  • Identity theft
  • Tax issues
  • Traffic violations

Did You Know?

62% of working adults have been involved in a legal issue within the last three years.3


At an average hourly fee of $3911, attorney costs can add up quickly. With MetLife Legal Plans, you can connect with network attorneys as often as you’d like for a flat annual fee of $264!4

Make Big Decisions a Little Easier

Tap into a network of top attorneys when you need help managing planned and unplanned legal situations.

Calculate your potential legal savings

Legal Needs Calculator


Contact your employer for more information.

Legal FAQs

Enrolling 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 the legal plan. Payments for the plan are made through convenient payroll deductions.

For about $20 a month4, our legal employee benefits program offers value, convenience and confidence by giving you easy and cost-effective access to attorneys for a wide variety of personal legal services including advice and consultations on an unlimited number of personal legal matters.

Legal issues arise when you get married, have a baby, buy a home, lose a loved one, or need to have legal documents drafted. For example, with lawyers typically charging $391 an hour for services, the value of a prepaid legal plan is easy to see.1

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.

If you are a legal plan member, you can quickly access the member site to view coverage for the legal plan offered by your employer or call our Client Service Center at 800-821-6400 (8 am - 8 pm EST, Mon - Fri).

If you are thinking about enrolling in the legal plan offered by your employer, visit our information center. Your HR or benefits department can provide you with an access code to log in.

You can also visit the Covered Services section to view examples of covered legal matters.

“Fully covered” means that all attorney services related to the covered matter are paid for by the legal plan when you use a Network Attorney. There are no co-pays, deductibles or claim forms when you use a Network Attorney. Also, you are entitled to advice and consultations for matters not fully covered by the plan, so long as they are not excluded. (See terms of service for a list of excluded matters.)

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.

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 the 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
  • Costs and fines
  • Frivolous or unethical matters
  • Matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits

Average hourly rate of $391.00 based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2021).”

2 The 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.”

32023 MetLife Legal Plans Legal Access Study.

4This cost is based on an average monthly rate for the legal plan of $20.

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. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) 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; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. Coverage for defense of criminal matters is excluded from insurance coverage for individuals located in New York. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details