MMC Benefits Handbook
Detailed List of Covered Services
The following tables show the services covered under the Legal Assistance Plan, detailing the coverage available for services obtained from providers in the network (plan providers) and outside the network (out-of-network).
Covered Services
In-Network
Out-of-Network (Contested/Uncontested)
The Plan Pays up to a maximum of:
Adoption
100%
  • Uncontested - $650
  • Contested - $1,500
  • Plus Trial Supplement - $100,000*
Guardianship
100%
  • Uncontested - $650
  • Contested - $1,500
  • Plus Trial Supplement - $100,000*
Separation/Divorce (for Plan Member Only)
100%
  • Uncontested - $900
  • Contested - $2,200
  • Plus Trial Supplement - $100,000*
Name Change
100%
$400
Premarital Agreement
100%
$750
Probate/Estate Administration
10% Network Discount
Not Applicable
Financial/Tax
   
Tax Audits
100%
  • Negotiation and Settlement - $500
  • Audit Hearing (including negotiation and settlement) - $1,200
Personal Bankruptcy or Wage Earner Plan
100%
  • Chapter 7 Individual or Couple - $850
  • Chapter 13 Individual or Couple - $1,400
Debt Collection Defense (Foreclosures)
100%
  • Negotiation and Settlement - $500
  • Compliant and Answer Filed, Settlement Negotiations - $850
  • Trial - $1,500
  • Plus Trial Supplement - $100,000*
Debt Collection Defense (Consumer Debts)
100%
  • Negotiation and Settlement - $350
  • Compliant and Answer Filed, Settlement Negotiations - $600
  • Trial - $1,050
  • Plus Trial Supplement - $100,000*
Identify Theft Defense
100%
Correspondence/Notice to Creditors - $250
Real Estate
   
Sale or Purchase of Primary or Secondary Residence
100%
$500
Preparation/Review of Mortgages
100%
$70 per document
Preparation/Review of Deeds
100%
$100 per document
Preparation/Review of Affidavits
100%
$75 per document
Preparation/Review of Promissory Notes
100%
$70 per document
Refinancing of Primary or Secondary Residence
100%
$350
Home Equity Loan on Primary or Secondary Residence
100%
$350
Boundary/Title Disputes of Primary Residence
100%
  • Negotiation and Settlement - $500
  • Trial - $1,500
  • Plus Trial Supplement - $100,000*
Eviction and Tenant problems (Primary Residence–Tenant only)
100%
  • Correspondence and Negotiations - $280
  • Eviction Trial Defense - $840
  • Plus Trial Supplement - $100,000*
Security Deposit Assistance (Primary Residence–Tenant only)
100%
  • Demand Letter/Negotiations -$250
  • Counseling on Preparing Small Claims Complaint and Trial Preparation - $150
Traffic
   
Defense of Any Traffic Ticket except DUI or Vehicular Homicide
100% (excluding DUI)
  • Traffic ticket defense:
  • Minor Moving Violations - $250
  • Major Moving Violations - $500
  • Plus Trial Supplement - $100,000*
Driving Privileges/Restoration of Suspended License
100%
$385
Wills
   
Will
100%
  • Individual - $150
  • Employee and Spouse or Domestic Partner - $200
Codicils/Revisions to Existing Will
100%
  • Individual - $150
  • Employee and Spouse or Domestic Partner - $200
Living Trust
100%
  • Individual - $325
  • Employee and Spouse or Domestic Partner - $450
Living Will
100%
  • Individual - $75
  • Employee and Spouse or Domestic Partner - $80
Powers of Attorney
100%
  • Individual - $65
  • Employee and Spouse or Domestic Partner - $75
Health Care Proxies
100%
  • Individual - $65
  • Employee and Spouse or Domestic Partner - $75
Governmental Hearings
   
Administrative Hearings
100%
  • Negotiation and Settlement - $500
  • Contested Hearing Ending in Settlement - $1,800
  • Plus Trial Supplement - $100,000*
Immigration
100%
  • Counseling on Preparing Forms and Hearing Preparation - $500
Incompetency Defense
100%
  • Negotiation and Settlement - $500
  • Contested Hearing Ending in Settlement - $1,800
  • Plus Trial Supplement - $100,000*
Civil Litigation Defense
100%
  • Negotiation and Settlement - $650
  • Filing Answer, Litigation Ending in Settlement or Judgement - $2,000
  • Plus Trial Supplement - $100,000*
Legal Dispute Matters
   
Consumer Protection
100%
  • Correspondence and Negotiation - $500
  • Filing of Suit, Ending in Settlement or Judgement - $2,000
  • Plus Trial Supplement - $100,000* 
Personal Property Protection
100%
Counseling, Document Review and Assistance - $125
Small Claims Assistance
100%
Counseling on preparing complaint and trial preparation - $200
Criminal Matters
   
Criminal Misdemeanors
100%
  • Negotiated Plea - $500
  • Trial - $1,250
  • Plus Trial Supplement - $100,000* 
Juvenile Defense Proceedings
100%
  • Negotiation and Settlement - $500
  • Trial - $1,200
  • Plus Trial Supplement - $100,000*
Other
   
Elder Law Matters
100%
Counseling and document review of only documents pertaining to the participant's parents as affecting the participant - $140
Document Review
100%
$100
Demand Letters
100%
$75
Major Trial (4th day and beyond)
 
$100,000 out-of-network supplement* 
Reduced Contingency Fees for Trial and/or Settlements
 
Not applicable
Office Consultation and Telephone Advice (If no further covered services are provided)
 
$70
* Trial Supplement: In addition to fees indicated for trials, the Plan pays one half the attorney's hourly rate for representation in trial beyond the second day of trial for a maximum of $800 per day up to $100,000 total trial supplement maximum.
Legal Assistance Plan with Parents Plus
Covered matters for your parents and/or parents-in-law:
Elder Care Issues
  • Consultation & Document Review for issues related to:
  • Medicare
  • Medicaid
  • Prescription Plans
  • Nursing Home Agreements
  • Leases
  • Notes
  • Deeds
  • Wills
  • Power of Attorney
Estate Planning
  • Simple Wills
  • Complex Wills
  • Living Wills
  • Powers of Attorney (Healthcare, Financial, Childcare, Immigration)
  • Healthcare Proxies
  • Codicils
Money/Real Estate Matters
  • Identity Management Services
  • Promissory Notes
  • Deeds
  • Mortgages
 
Family & Personal
  • Review of ANY Personal Legal Document
  • Demand Letters
  • Affidavits
   
Unlimited Benefits
There are no restrictions on the number of times per year you may use the services listed below; however, for a non-covered matter, this service is not intended to provide you with continuing access to a plan attorney in order to seek advice that would allow you to undertake your own representation. There are no restrictions on the number of pages in the document.
Exclusions
Excluded services are those legal services that are not provided under the plan. No services, not even a consultation, can be provided for the following matters:
  • Employment-related matters, including company or statutory benefits
  • Matters involving the company, MetLife and affiliates, and Plan Attorneys
  • Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents
  • Appeals and class actions
  • Farm matters, business or investment matters, matters involving property held for investment or rental, or issues
  • When the Participant is the landlord
  • Patent, trademark and copyright matters
  • Costs or fines
  • Frivolous or unethical matters
  • Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits