Legal Insurance

Legal Insurance


You're more likely to need legal services than to be hospitalized. Yet, while most people have medical insurance, they have no safety net to handle legal events in their life. With MetLife Legal Plans, you can obtain services from attorneys in much the same way as you do from the doctors who participate in your medical plan.

MetLife Legal Plans provides access to a nationwide network of over 18,000 experienced attorneys for consultation and representation on a variety of legal matters. Examples include:

  • Wills and Estate Planning, including a Digital Estate Planning Solution
  • Consumer protection matters such as small claims assistance and personal property protection
  • Civil litigation defense
  • Family law issues like adoption, custody orders, names changes, and protection from domestic violence
  • Financial matters, including debt collection defense and identity theft
  • Juvenile matters such as school administrative hearings and court
  • Traffic matters involving traffic ticket defense, restoration of driving privileges, and misdemeanor defense
  • Unlimited legal document review
  • And so much more!

Enjoy life.  Worry Less.


Note: When you enroll, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period. You may only cancel your legal plan during annual enrollment or with a qualifying life event.


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 company's annual enrollment period.

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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 company's annual enrollment period. There are three plans to choose from: MetLife Legal Plans - $14.25 per month, MetLife Legal Plans with Divorce - $15.00 per month, and MetLife Legal Plans with Divorce and Tax Preparation and Filing - $16.50 per month, via payroll deduction, covers you, your spouse and dependents.


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MetLife Legal Plans Overview

MetLife Legal Plans FAQs


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    MetLife Legal Plans is the country’s largest provider of legal voluntary benefits, serving over 5 million people at about 4,000 organizations, including over 220 of Fortune 500® companies. We have 45 years of experience in employee legal services and are committed to providing excellent care to our plan members, sponsors and network attorneys.
  • How can this help me?

    Have you ever wished you had an attorney in the family? Someone who could:

    • Send a letter to an auto dealership and get them to fix your car right.
    • Call the credit card company so they’d erase a disputed charge on your account.
    • Review contracts related to a home purchase or sale.



    We encounter numerous legal matters throughout the course of our lives. Having access to an attorney to help navigate legal situations puts you in the driver's seat and helps you get the best outcome for yourself and your loved ones.

  • Who is eligible?

    You, your spouse and qualifying dependents are eligible.
  • What’s covered?

    For a full listing of what is covered, please refer to the plan certificate or call MetLife Legal Plans at 1-800-821-6400 from 8:00a.m. to 8:00p.m. Monday-Friday, Eastern Time.
  • Are there any exclusions?

    The plan covers most personal legal services. The following matters are excluded from coverage:

    • Employment-related matters, including company or statutory benefits
    • Matters involving your employer, 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 Note: 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.

    Please refer to the plan certificate for additional details.

  • What attorney can I use?

    You'll have access to a nationwide network of more than 18,000 participating attorneys from which to choose. Network Attorneys have an average of 25 years or more of legal experience and have met stringent selection criteria. 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.

    Visit MetLife Legal Plans to find a Network Attorney near you.

  • How is the attorney paid?

    Attorneys' services for covered legal matters are fully paid for by the plan except for excluded matters and third-party fees. When services are rendered for covered matters, you do not receive a bill for the Network Attorney and they do not complete a claim form. All billing and payments are handled directly between the Network Attorney and the plan.
  • What if my employment status changes?

    You may continue coverage by electing the option of portability when you no longer qualify as an eligible employee of the Policyholder or as a Member of the group to which the Plan is issued. You must apply for portability within 30 days of your last day of employment. Portability coverage will take effect, subject to payment of the initial premium, as of the date your coverage under the group policy terminates.

Group legal plans are provided by MetLife Legal Plans, Cleveland, Ohio. In certain states, the plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Company and Affiliates, Warwick, Rhode Island.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.