MMC Benefits Handbook
If you use an in-network attorney, all attorney fees for covered services are paid in full. There are no deductibles or copayments, and no claim forms.
If you use an out-of-network attorney, you will be reimbursed according to a set fee schedule. You need to file a claim to receive benefits.
You can request an out-of-network fee reimbursement packet by calling MetLife Legal Plans at +1 800 225 2265, Monday through Friday, 8 a.m. to 9 p.m. and Saturday 8 a.m. to 2 p.m. Eastern time.