Personal Legal

  • Consultations and help with attorney fees

    This is personal legal coverage for you and your dependents.

    • There are no claim forms when you stay in-network.
    • If you choose your own out-of-network attorney, you pay for services and receive reimbursement according to a set fee schedule.
    • MetLife Legal Plans provides in-network and out-of-network coverage. 

    View plan benefits

    View plan benefits-Spanish


    The plan covers services for:

    • Wills, living wills and powers of attorney
    • Document review and preparation
    • Court appearances related to civil litigation defense, consumer protection, traffic ticket defense, juvenile court defense, misdemeanor and felony defense
    • Family matters such as contested and uncontested divorce, and contested and uncontested adoption
    • Debt collection defense and personal bankruptcy, including debt collection resulting from identity theft
    • LifeStages ID management service--includes fraud monitoring tied to ID breach
    • Personal property protection
    • Small claims assistance
    • Protection from domestic violence
    • Trusts
    • Restoration of driving privileges

    Phone and office visits
    In addition to fully covered services, the plan offers unlimited telephone advice and office consultations with attorneys on most personal legal issues, except those related to your employment. There are no waiting periods or co-pays.
    For a full list of covered services and out-of-network claim forms, please contact MetLife Legal directly. For a list of fees, see the MetLife Legal plan reimbursement chart (Spanish).

    How it works
    To use your personal legal plan, visit the MetLife Legal website and click Log In. Click Create Account to begin. You can also call MetLife Legal’s Client Service Center weekdays at 800-821-6400.
    Your spouse and dependents are also eligible for legal services. They simply need to follow the same instructions.

    The client service representative:

    • Verifies your eligibility
    • Makes an initial determination of your case (an attorney makes the final determination)
    • Gives you a case number
    • Gives you the telephone number of the plan attorney most convenient to you
    • Answers any questions you have about your legal plan

    After you receive your case number and your plan attorney’s telephone number, call the plan attorney, identify yourself as a legal plan member referred to him or her by MetLife Legal Plans and request an appointment for a consultation. Give your plan attorney your case number, the name of the legal plan you belong to and the type of legal matter you are calling about.

    Evening and Saturday appointments are available.


  • 2024 Coverage Cost

  • 2023 Coverage Cost Comparison

  • 2023 Coverage Cost Comparison

    Helpful resources
    For a full list of covered services and out-of-network claim forms, please contact MetLife Legal directly. For a list of reimbursement fees, see the MetLife Legal plan reimbursement chart.

    For more information, visit the MetLife Legal Plans website or review the Personal Legal Plan FAQs.
    To obtain a reimbursement kit for an out-of-network attorney, contact MetLife Legal Plans at 800-821-6400 between 7 a.m. and 6 p.m. on weekdays, excluding holidays.

    The password for family coverage is 3720010. The password for single coverage is 3730010.