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).
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Covered Services
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In-Network
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Out-of-Network (Contested/Uncontested)
The Plan Pays up to a maximum of:
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Adoption
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100%
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Guardianship
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100%
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Protection from Domestic Violence (Available to Eligible Plan Members only)
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100%
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Separation/Divorce (for Plan Member Only)
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100%
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Name Change
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100%
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$400
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Premarital Agreement
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100%
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$750
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Probate/Estate Administration
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10% Network Discount
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Not Applicable
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Financial/Tax
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Tax Audits
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100%
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Personal Bankruptcy or Wage Earner Plan
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100%
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Debt Collection Defense (Foreclosures)
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100%
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Debt Collection Defense (Consumer Debts)
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100%
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Identify Theft Defense
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100%
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Correspondence/Notice to Creditors - $250
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Real Estate
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Sale or Purchase of Primary or Secondary Residence
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100%
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$500
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Preparation/Review of Mortgages
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100%
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$70 per document
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Preparation/Review of Deeds
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100%
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$100 per document
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Preparation/Review of Affidavits
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100%
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$75 per document
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Preparation/Review of Promissory Notes
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100%
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$70 per document
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Refinancing of Primary or Secondary Residence
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100%
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$350
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Home Equity Loan on Primary or Secondary Residence
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100%
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$350
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Zoning Application
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100%
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Boundary/Title Disputes of Primary Residence
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100%
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Property Taxes Assessment
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100%
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Eviction and Tenant problems (Primary Residence–Tenant only)
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100%
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Security Deposit Assistance (Primary Residence–Tenant only)
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100%
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Traffic
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Defense of Any Traffic Ticket except DUI or Vehicular Homicide
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100% (excluding DUI)
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Driving Privileges/Restoration of Suspended License
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100%
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$385
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Wills
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Will
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100%
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Codicils/Revisions to Existing Will
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100%
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Living Trust
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100%
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Living Will
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100%
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Powers of Attorney
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100%
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Health Care Proxies
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100%
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Governmental Hearings
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Administrative Hearings
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100%
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Immigration
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100%
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Incompetency Defense
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100%
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Civil Litigation Defense
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100%
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Legal Dispute Matters
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Consumer Protection
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100%
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Personal Property Protection
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100%
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Counseling, Document Review and Assistance - $125
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Small Claims Assistance
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100%
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Counseling on preparing complaint and trial preparation - $200
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Criminal Matters
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Criminal Misdemeanors
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100%
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Juvenile Defense Proceedings
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100%
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Other
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Elder Law Matters
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100%
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Counseling and document review of only documents pertaining to the participant's parents as affecting the participant - $140
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Document Review
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100%
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$100
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Demand Letters
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100%
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$75
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Major Trial (4th day and beyond)
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$100,000 out-of-network supplement*
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Reduced Contingency Fees for Trial and/or Settlements
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Not applicable
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Reproductive Assistance Law Coverage
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Twenty hours maximum
$200 per hour maximum of $4,000 for the 20 hours – (20 hours * $200 = $4,000)
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Office Consultation and Telephone Advice (If no further covered services are provided)
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$70
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Attorney Services for Non-Covered Matters
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$100 per hour to maximum of $400 (for the 4 hours)
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* Trial Supplement: In addition to fee indicated, the Plan pays the attorney's fees for representation in trial beyond the third day of trial up to a maximum of $800 per day up to $100,000 total trial supplement maximum.
Legal Assistance Plan Plus Parents
Covered matters for your parents and/or parents-in-law:
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.
- Telephone advice and consultation
- Document Review.
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