Legal Plan

The MetLife Legal Plan provides confidential legal services from local attorneys to you and your family. It's available at low employee rates (you pay $13.45 per month on an after-tax basis) and offers full attorney representation for many types of legal matters, including:

  • Adoption and legitimization (contested)
  • Affidavits
  • Consumer protection matters
  • Debt matters (such as debt collection, identity theft and bankruptcy)
  • Defense of civil lawsuits
  • Divorce
  • Document preparation and review (such as affidavits and deeds)
  • Family law (such as adoption, guardianship, name change and prenuptial agreement)
  • Guardianship or conservatorship (contested)
  • Immigration assistance
  • Personal property protection
  • Real estate matters (primary residence), including refinancing, sales and purchases
  • Reproductive law assistance (donation and surrogacy agreements)
  • Small claims assistance

In addition, the plan offers unlimited office and phone consultations for most legal matters that are not fully covered. For a list of excluded legal matters, please visit the MetLife website (enter access code 690010).

Plus Parents coverage

With Plus Parents coverage through the MetLife Legal Plan, your extended family has access to legal help, including your parents and parents-in-law. This includes support they may need with estate planning, elder-care issues, identity theft and more. Read the flyer for additional details on what's covered.

Take a look at what the legal plan offers ― watch the video.

Make your choice

  • Review the testimonials and scenarios for some real life examples of how you may benefit from enrolling in the legal plan.
  • Use the MetLife legal needs calculator to estimate how the legal plan could save you money.
  • Review the frequently asked questions and answers.
  • Legal help made easy ― how to use the plan.

Enhancements for 2026

We’re excited to expand our MetLife Legal Plan coverage to help you navigate life’s complexities with confidence. Whether you're facing major transitions — like divorce, child custody or reproductive assistance — or need support for tackling financial challenges such as tax preparation, audit representation or debt collection, our enhanced Legal Plan benefits are here to guide and protect you every step of the way.

Other considerations

  • You have the flexibility to use plan and non-plan attorneys. When using plan attorneys, you receive coverage for 100% of direct legal fees (any third party costs are your responsibility). If you use a non-plan attorney, your coverage is based on a pre-determined dollar amount. MetLife will provide a schedule listing the maximum amount that will be reimbursed for each covered service.
  • The legal plan includes Aura Identity Restoration Services to protect you and your family from identity thieves and fraud with education and support.

Maximize the legal plan throughout the year

Start by understanding how to use the plan. Then consider what types of services are covered and take full advantage of all that’s offered (including identity theft services). Visit the MetLife website (enter access code 690010) to learn more.