This Legal Plan Coverage Summary is intended to provide a general and general overview of the covered services you will receive when you add Legal Expenses Insurance as a benefit with Legal Resources. Coverage may vary from organization to organization. Take a look at the services available to plan members when providing legal resources as part of your benefits plan. Coverage may vary depending on the group of employers. Below are some of the most common services offered by our plan. ARAG North America 480 Capital Square, 400 Locust Street Des Moines, IA 50309 Phone: (515) 246-1200 (800) 888-4184 www.ARAGlegal.com Yes, MetLife Legal Plans encourages members to use the plan to resolve as many legal issues as possible, even if they are pre-existing issues. The only pre-existing issues that are not covered are those for which you retained a lawyer before you were eligible for plan benefits. MetLife Legal Plans offers a range of plan options, including customized legal plans for employers with more than 3,000 eligible employees. The legal plan offers a consulting advantage for most personal legal matters.
In addition, many personal legal issues are fully covered. For a list of services fully covered by your organization`s legal plan, please register or call the Customer Service Centre at 800-821-6400. The following issues are excluded from all plans: Legal insurance often covers a variety of legal issues that cover almost everything except workplace issues. A legal plan will likely be helpful in any of the situations listed below: If you are a member of a legal plan, you can quickly access the members page to view your employer`s legal plan coverage, or call our Customer Service Centre at 800-821-6400 (8 a.m. to 8 p.m. EST, Monday to Friday). You can also visit the Covered Services section to see examples of legal issues covered. Legal plans as benefits are a powerful way to retain top talent. Without annual usage restrictions, co-payments or deductibles, it becomes one of the most sought-after voluntary benefits.
Sometimes you may encounter a situation that is not fully covered by legal insurance. If an issue is not specifically covered, for example: divorce (and is not excluded in your plan), you are eligible to take advantage of the Reduced Fee Legal Services benefit to receive at least 25% off the regular hourly rate of a lawyer in the network. Signing up for a legal plan is like having a lawyer by your side. If you use a network lawyer for the covered services, all attorney fees are covered by the legal plan. Payments for the plan are made through convenient payroll deductions. Insuring legal fees can cost participants as little as $20 per month or $240 per year – less than the average hourly rate of $391 for lawyers in the U.S. (according to a Law Firm Economics survey by the National Law Journal and ALM Legal Intelligence). Legal problems can be costly and overwhelming – hiring the right lawyer or team is even more so.
When legal problems arise, they are often sudden and unexpected, so it`s important to be prepared when they arise. This is where legal protection insurance can help. 62% of working adults have been involved in a legal problem in the past three years.3 Below are examples of prepaid legal protection insurers. You may also want to find out if a group legal services plan is offered by your employer as a benefit. In addition to the legal issues listed in the table above, employees enrolled at MIT also have access to diversity, equity, and inclusion coverage, such as assistance in obtaining a domestic partnership agreement, funeral policy, hospital visit permit, and more. With a group legal plan, you`ll have easy access to the expert legal help you need – from estate planning to real estate to traffic issues. If you`re wondering, “Is legal protection insurance worth it?”, consider both the financial and emotional costs of being left without a legal expert. For situations you never thought you`d have to deal with, such as divorce or bankruptcy, with more common legal issues, such as marriage and buying or selling real estate, a legal plan can help you feel supported and prepared for what`s next. This article is intended for general information about insurance. It does not describe any products or features of Metropolitan Life Insurance Company. Like many people, you may need legal counsel as soon as possible.
You want a lawyer you can trust, at the right price and an easy way to connect. With our legal plan, you have a network of lawyers to help you with buying a home, planning for your family`s future, caring for aging parents and other important moments in your life. Cover the cost of a range of legal issues with a legal plan and access experienced lawyers to help you with estate planning and more. Plans juridiques du groupe de MetLife Legal Plans, Inc., Cleveland, Ohio. In some states, group legal plans are provided by insurance coverage signed by the Metropolitan General Insurance Company and Affiliates, Warwick, RI. Not all services are available in all states. No services, including counselling, are provided for: 1) employment-related matters, including benefits or benefits; (2) matters involving the employer, MetLife and affiliates and plan lawyers; 3) matters where there is a conflict of interest between the employee and the spouse or dependants, where services to spouse and dependants are excluded; (4) appeals and class actions; (5) agricultural and commercial matters, including rental matters, if the participant is the owner; (6) patent, trademark and copyright issues; (7) costs and fines; (8) frivolous or unethical matters; 9) Matters in which a lawyer has a relationship with the client before the member becomes entitled to benefits under the plan.
