Prepaid Legal
Whether you have planned legal expenses or just want to be prepared for the unexpected, MetLife Legal Plans is available to meet your needs.
About the Plan
With MetLife Legal Plans, there are no claim forms, deductibles, hour limits, co-pays or caps for covered services performed by a plan attorney. Since this is a group plan, you receive discounted rates on the cost of coverage.The plan is portable, so if you leave Emory, you can continue your coverage.
For more details about the plan, visit the website for a list of covered services and an online directory of participating attorneys or view the MetLife Legal Plan Product Overview and Fact Sheet.
Eligibility
Regular full-time or part-time employees scheduled to work 20 hours or more per week are eligible.
Temporary employees are not eligible.
Coverage begins on an employee's date of hire. If you are benefits-eligible, you must enroll during your first 31 days of employment with Emory. Coverage is effective the 1st of the following month after you submit your enrollment.
Cost
The plan is available for $16.74 per month and covers you, a spouse and legal dependents/child(ren). For more information, call MetLife Legal Plans at 800-821-6400.
How to Enroll
New Hires
Eligible employees can enroll through Self-Service anytime during the first 31 days of employment. View Step-by-Step Enrollment Instructions.
If you do not enroll during your first 31 days of employment, you will not receive coverage. Your next opportunity to enroll will be during annual enrollment.
Current Employees
Employees are provided an opportunity to make changes to their benefits each year during annual enrollment (held in the fall).
How the Plan Works
With MetLife Legal Plans, you have access to the expert guidance and tools you need to navigate a broad range of personal legal needs. Whether you are buying or selling a home, starting a family, or caring for aging parents, the benefit provides protection at every step.
To use your Legal Plan, create an account online at www.members.legalplans.com to see your coverages and select an attorney for your legal matter.
You can also call the Client Service Center at 1-800-821-6400 (Monday-Friday, 8 a.m. to 8 p.m. ET) for assistance. The Client Service Center Representative will:
- Verify your eligibility
- Make an initial determination of whether, and to what extent your case is covered (the Plan Attorney will make the final determination of coverage)
- Give you the telephone number of a Plan Attorney who is most convenient to you OR schedule a consultation appointment for you with an attorney; and
- Answer any questions you have about your Legal Plan
You may choose from a network of prequalified attorneys or use an attorney outside of the MetLife Legal Plans’ network and be reimbursed some of the cost (based on a set fee schedule). To obtain a fee schedule, call the Client Service Center at 1-800-821-6400.
Once enrolled, employees must remain enrolled in the plan for the entire year.
Through the plan, you, your spouse and your legal dependent children have access to covered legal services for the same affordable price.
The list below is a partial list and does not include all services that are available through the plan:
Consumer Protection
- Small Claims Assistance
- Personal Property Protection
Debt Matters
- Debt Collection Defense
- Personal Bankruptcy or Wager Earner Plan
- Tax Audits
- Identify Theft Defense and Restoration Services
Defense of Civil Lawsuits
- Administrative Hearing Representation
- Incompetency Defense
- Civil Litigation Defense
Document Preparation
- Affidavits
- Deeds and Demand Letters
- Document Review
- Elder Law Matters
- Mortgages
- Promissory Notes
Family Law
- Adoption and Legitimization (Contested and Uncontested)
- Guardianship or Conservatorship (Contested and Uncontested)
- Name Change
- Prenuptial Agreement
- Protection From Domestic Violence
Immigration
- Immigration Assistance
- Insurance Matters
Caregiving Support
- Personal Injury
- Personal Injury (25% Network Maximum)
Real Estate Matters
- Boundary or Title Disputes
- Eviction and Tenant Problems (Tenant Only)
- Home Equity Loans
- Property Tax Assessment
- Refinancing of Residence
- Zoning Applications
Traffic and Criminal Matters
- Juvenile Court Defense
- Restoration of Driving Privileges
- Traffic Ticket Defense (No DUI)
Will and Estate Matters
- Trusts
- Advanced Healthcare Directive
- Powers of Attorney
- Probate (10% Network Discount)
- Wills and Codicils
Miscellaneous
- Attorney Services for Non-Covered Matters – 4 Hours
Expanded Caregiver Benefits
MetLife Legal Plans offer expanded caregiver benefits. Employees enrolled in the plan have an opportunity to have one-on-one unlimited Caregiver Support, including customized caregiving solutions. Here are a few examples of caregiver challenges this benefit will support:
- Family members with dementia
- Aging in Place
- Crisis intervention
- Insurance and Medicare navigation
- Homecare and placement