Legal Assistance Plan

2020 and 2021 Plan Year Information

Legal Assistance Plan

The Legal Assistance Plan, administered by MetLife Legal Plans, provides eligible employees with affordable legal assistance and easy access to an experienced network of local attorneys.

The Plan covers attorneys’ fees for a wide range of personal legal matters, including consumer protection and court appearances, debt matters, defense of civil lawsuits, document preparation, immigration, family law, real estate matters, traffic matters, wills and estate planning.*

New in 2021

The plan will cover up to 20 hours of reproductive law assistance relating to and including surrogacy, egg donation, sperm donation, gamete donation, embryo donation and embryo adoption.

Coverage also will include four hours of free attorney services each year (total) for the following non–covered matters: divorce, DUI, plaintiff property damage, habeas corpus, custody establishment and support order.

Benefits in Brief

Affordable access to experienced attorneys for personal legal matters.

  • Eligible services are generally covered at 100% when you use in-network attorneys.
  • Services include wills and trusts; real estate; finances; elder law; family, small claims and family court; immigration and more.
  • New in 2021: The plan covers legal services and court work for reproductive matters in addition to four hours of attorney time for non-covered matters.
  • Did you know? Option A lets your parents and in-laws use select legal services.

How It Works

Generally, attorneys’ fees for eligible services are covered at 100% in-network. Out-of-network attorneys’ fees are reimbursed based on the Out-of-Network Fee Reimbursement Schedule. If you elect coverage, all eligible family members (spouse or domestic partner, dependents) may access the Plan. There are two plan options, which are detailed below:

Option A: Extended Family

Option A covers you, your spouse or domestic partner, and eligible children, who may use all of the services listed below. Additionally, Option A covers your parents and your spouse’s or domestic partner’s parents, who may use only the services listed below in bold and italics. You may cover up to four sets of parents under this plan.

Option B: Family

Option B covers you, your spouse or domestic partner, and eligible children – and includes all of the services listed below.

What the Plan Covers

If you enroll in Option A or B, all of the services below are available to you, your spouse and eligible dependents. If you enroll in Option A, the services that are bold and italicized are available to your parents and parents-in-law.

MONEY MATTERS

  • Negotiations with Creditors

  • Financial Education Workshops

  • Tax Audit Representation

  • Identity Theft Defense

  • Promissory Notes

  • Debt Collection Defense

  • Tax Collection Defense

HOME & REAL ESTATE

  • Foreclosures

  • Tenant Negotiations

  • Boundary & Title Disputes

  • Deeds

  • Mortgages

  • Sales or Purchases of Primary and Vacation Home

  • Eviction Defense

  • Property Tax Assessments

  • Refinancing & Home Equity Loan of Primary and Vacation Home

  • Security Deposit Assistance

  • Zoning Applications

ESTATE PLANNING

  • Simple & Complex Wills

  • Revocable & Irrevocable Trusts

  • Identity Management

  • Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

  • Healthcare Proxies

  • Living Wills

  • Codicils

VEHICLE & DRIVING

  • Repossession

  • Defense of Traffic Tickets

  • Driving Privilege Restoration

  • License Suspension Due to DUI

FAMILY & PERSONAL

  • Adoptions

  • Guardianships

  • Conservatorships

  • Prenuptial Agreements

  • Name Changes

  • Review of Any Personal Legal Document

  • Juvenile Court Defense Including Criminal Matters

  • Parental Responsibility Matters

  • School Hearings

  • Demand Letters

  • Personal Property Issues

  • Affidavits

  • Personal Bankruptcy

  • Garnishment Defense

  • Protection from Domestic Violence

  • Review of Immigration Documents

  • Reproductive Law Assistance

CIVIL LAWSUITS

  • Civil Litigation Defense

  • Disputes Over Consumer Goods & Services

  • Small Claims Assistance

  • Administrative Hearings

  • Incompetency Defense

  • Pet Liabilities

ELDER-CARE ISSUESConsultation & Document Review for issues related to your parents:

  • Medicare

  • Medicaid

  • Prescription Plans

  • Nursing Home Agreements

  • Leases

  • Notes

  • Deeds

  • Wills

  • Powers of Attorney

OTHER
  • Four hours of free attorney services for certain non–covered matters including: divorce, DUI, plaintiff property damage, habeas corpus, custody establishment and support order modification.
* A Note about Legal Services

No services, not even a consultation, are provided for the following matters: Employment-related matters (including company or statutory benefits) for you or your eligible dependents; matters involving Morgan Stanley or its affiliates; matters involving network attorneys; matters in which there is a conflict of interest between the employee and his/her spouse, domestic partner or dependents (in such case, services are only provided to the participating employee); appeals and class actions; farm and business matters (including rental issues where you are the landlord); patent, trademark and copyright matters; costs or fines; frivolous or unethical matters (as determined by MetLife Legal Plans); and matters for which an attorney-client relationship exists before the employee became eligible for Plan benefits.

Legal Assistance Plan Semi-Monthly Employee Contributions

You pay the full cost of coverage under the Legal Assistance Plan, and your contributions are deducted from your pay on an after-tax basis.

Option A (Extended Family): $11.75 per pay period

Option B (Family): $8.75 per pay period