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New 2023 Plan Enhancement: MetLife Legal Plans will be expanding coverage to offer additional protection for new and current enrollees in the Legal Plan + FraudScout plan. This plan will be changed to Legal Plan + LifeStages Premium. The new coverage will include identity protection, identity restoration, social media monitoring, dark web monitoring, ChildWatch, senior fraud resolution, and more. If you are currently enrolled or newly elect coverage during the 2023 Benefits for Life open enrollment there is no action for you to take. The plan will automatically upgrade as of July 5, 2023.
Note: There is no change to the basic Legal Plan.
A legal insurance plan for many common personal legal issues. In today's world, no matter where you are in your life, starting your first job, retiring, or somewhere in between, you are almost certain to experience life events that have potential legal ramifications.
With a legal plan from MetLife Legal Plans, you have the professional legal help you need
to protect yourself and your loved ones from legal difficulties.
You have the option to participate in the Legal Plan or the Legal Plan plus LifeStages Premium from MetLife Legal Plans. Both plans give you and eligible family members affordable protection for legal expenses and access to experienced attorneys. Both plans provide a full year of legal services for a price that many attorneys charge for just one hour of service1. Your plan will be renewed automatically each year and may only be cancelled during a Benefits for Life open enrollment. Please watch the Legal Plan Insurance video for more information on this benefit.
When using MetLife Legal Plans' Network Attorneys, attorney fees are 100% paid-in-full for most covered matters. You can also choose any out-of-network attorney you'd like and receive reimbursements up to the scheduled maximums.Review the Legal Plan and Legal Plan plus LifeStages Summary plan descriptions by visiting benefitsforlife.org. Locate the section on the right side of the page called "Benefits for Life (BFL) State of Michigan Voluntary Benefit Program for Active Employees," then select the drop down "Legal Plan - MetLife Legal Plans."
Legal Plan: Covered Legal Services
- Telephone advice and office consultations on many personal legal matters
- Preparation of wills, codicils, living wills, living trusts, and powers of attorney
Attorney representation for matters such as:
- Purchase or sale of your primary or secondary residence
- Debt collection defense
- Juvenile court
- Divorce (contested and uncontested up to 20 hours per event)
- Online access to our e-panel of attorneys, to answer your Legal questions as well as access to over 1,700 self-help documents that are available to members on our website.2
Legal Plan Plus with LifeStages Premium: Covered Legal Services
The Legal Plan plus LifeStages Premium includes all the benefits of the Legal Plan above with the addition of:
- Proactive identity protection for more than 60 types of personal accounts
- Triple Bureau Credit Monitoring
- Social media identity monitoring
- Dark web monitoring
- Senior fraud resolution
- ChildWatch: monitoring suspicious activity of social and personal accounts for dependents up to age 26
- Identity theft insurance of $2M on any financial account (up from $1M in the base plan). Insurance applies to ID theft for registered parents and in-laws
Legal Plan Options
|Plan||Bi-Weekly Rate (26 Per Year)|
|Legal Plan plus LifeStages Premium||$10.11|
When may I start using my new network of attorneys?
If you signed up during the 2023 Benefits for Life enrollment period, you may start using your new legal plan effective May 1, 2023. Look for additional information to be sent to your home shortly after you enroll. For more information, log in to info.legalplans.com/9901023 for the Legal Plan or info.legalplans.com/9901024 for Legal Plan plus LifeStages Premium (LifeStages Premium Identity Protection & Restoration).
Review the MetLife Legal Plan Descriptions and Plan Information by visiting benefitsforlife.org, locate the section on the right side of the page "Benefits for Life (BFL) State of Michigan Voluntary Benefit Program for Active Employees," then select the drop down "Legal Plan - MetLife Legal Plans".
1Average hourly rate of $391.00 based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2021).
2The self-help library is offered by Standard Legal. Standard Legal is not a corporate affiliate of MetLife Legal Plans.
Group legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. For complete details of the coverage, call or write the company.