Legal Services | Metlife

Legal Services | Metlife

Legal Services

Life is filled with moments where you might need legal help. With MetLife Legal Plans, getting legal help is easy and cost effective.

Here's what you need to know

This plan gives you and your family access to a network of over 18,000 experienced attorneys nationwide who are available to help you when you need it.


You’re protected by a reliable resource you can turn to for a wide range of legal needs. That includes needs that are part of good planning – and also those that happen when you encounter challenging situations you don’t expect. 


Network attorneys can help with many legal issues, including but not limited to these:


  • Wills, trusts, and estate planning (power of attorney)
  • Real estate and home ownership (buying/selling contracts, negotiations, deeds)
  • Traffic matters (drivers license restoration, traffic tickets)1
  • Family law matters (name change, adoption)
  • Small claims court
  • Consumer protection issues (auto repair, consumer fraud)
  • Personal property disputes
  • Debt-related matters (bankruptcy, debt collection)
  • Tenant matters (contracts, eviction, disputes, security deposit return)


There are no additional fees or copayments when using a network attorney. Beyond that, you also have the flexibility to use a non-network attorney and get reimbursed for covered services according to the fixed amount (indemnity) benefits under your legal plan.2

We encounter numerous legal matters throughout the course of our lives. Wouldn’t it be nice to have a legal expert on your side who could help guide you through these situations? With MetLife Legal Plans, now you have access to legal professionals who can help advocate for your best interests. 


Beyond providing access to network attorneys, plan benefits include:


  • Unlimited use of network attorneys for covered issues3
  • Online digital estate planning tool—create wills and trusts, healthcare proxies, and power of attorney documents
  • Many other self-help legal forms (with variations by state) you can download from the comfort of your home
  • An online tool to send questions to an attorney
  • No claim forms required when you use the services


It's also invaluable when you want to have clout and get action in a dispute. For example:


  • Taking legal action to resolve a contract dispute with a home improvement contractor or a landlord, or a refund dispute
  • Fighting a traffic violation ticket in court
  • Navigating your way through consumer fraud or an identity theft issue


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.


MetLife Legal Plans takes the guesswork out of finding an attorney. Once you and your family members are covered, you know exactly where you can turn for legal help, without an expensive hourly rate. 

These are the periods when you are eligible to enroll: 


  • Within your new hire enrollment period
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During your employer's annual enrollment


Check with your employer’s human resources/benefits team for specifics about these timeframes.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Main Line Health Product Overview

How It Works

Number One Enroll now icon

Enroll in the Legal Plan

Number Two Online Service Icon

Contact a network attorney

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Receive unlimited legal advice & assistance

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Pay nothing – most services are covered in full 

You recently had a child and decide it’s time to create a will.

Because you’re enrolled in your Legal Plan, you’re covered.

Choose to create a will online using state-specific documents, on your own time, in as little as 15 minutes. Or visit a network attorney, who will help you create and file your estate planning documents. Either way, you save time, money, and stress so you can enjoy more time with your family.

Frequently Asked Questions

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  • Who is the provider?



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

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  • Who in my family is eligible for this program?

    You, your spouse/domestic partner and qualifying dependents under the age of 26 are eligible. You must be enrolled in coverage for members of your family to also enroll. 
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  • How much does this coverage cost?

    $17.50 per month covers you, your spouse/domestic partner and dependents.
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  • What if my employment status changes?

    Good news, you benefit is portable for up to 12 months! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Instead of payroll deductions, you would have to pay the premium directly to MetLife Legal Plans via credit card or check. 
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  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved by MetLife Legal Plans.
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  • What attorney can I use?

    You'll have access to a nationwide network of more than 18,000 participating attorneys from which to choose. 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.

    After you enroll, you can visit to find a network attorney near you.

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  • What kind of credentials do these attorneys have?

    Our network attorneys:


    • Are vetted for years of experience, graduation from an accredited law school, and in good standing with the American Bar Association
    • They agree to our Attorney Code of Excellence
    • Have an average of 25 years of experience practicing law
    • Must fulfill specific criteria to maintain their status in the network
    • Are re-credentialed regularly to maintain MetLife's standards
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  • Can I get help finding the right attorney for my needs?

    Yes, client service center representatives are available to help you find the right attorney for your legal matter, whatever that might be. Additionally, the Client Service Center will schedule your first attorney meeting for you.
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  • How is the attorney paid?

    All billing and payments are handles directly between the network attorney and the plan. Attorneys' services for covered legal matters are fully paid 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.
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  • What are excluded matters?

    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 refer to the plan certificate for additional details.

Are you ready To Enroll?

Enroll online now.

Do You Need Help?

Our team is ready

M-F 9a-6p ET

Phone Number: 1-888-272-2744
  • Legal Disclaimers

    1Does not cover DUI.


    2The 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.


    3Unlimited coverage for non-excluded services with in-network attorneys. For out of network attorneys, there is a fee reimbursement schedule. Participants must pay the difference between the scheduled reimbursement amount and the out-of-network attorney’s actual charge for the services.


    MetLife Legal Plans | 1111 Superior Ave, Suite 800 | Cleveland, OH 44114

    L0723033343[exp0725][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC

    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. Payroll deduction required for group legal plans. For costs and complete details of the coverage, call or write the company.

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