We are here to help you navigate these challenging times.
We know that navigating the Covid-19 crisis is taking up a lot of your time, and your employees’ time. We are here to try to make things a little easier for you. We have implemented a number of plans in response to this crisis to provide you and your employees more access to our services, as well as more flexibility during this time.
How we can help
Our Account Executives and Client Service Center Representatives are working normal hours and are available for any questions or issues you may be having. If you have any plan questions or need any assistance communicating the benefits of the legal plan for your employees, please reach out and let us know how we can help.
We have implemented our Disaster Relief Plan to offer consultation and document review for all of your employees, even those not enrolled in the legal plan.
We are also adding a new portability option through June to allow employees who have recently left the company the option to continue the plan for three months or choose our standard 12 month portability option. This offer may be extended beyond June depending on the situation at the time.
See more details on our Disaster Relief Plan and our Portability options in the FAQs below.
Find out more about how MetLife is helping here: https://www.metlife.com/covid-19-update-ceo-faq/
Q. What is the MetLife Legal Plan Disaster Relief COVID-19 plan?
A. This plan extends consultation and document review services to all of a current group sponsors’ employees, even those not currently enrolled, at no cost to them, through July 31, 2020. Employees can contact our Network Attorneys to get answers to questions related to legal issues they may be facing as well as have attorneys review estate planning documents or insurance forms. The document review and consultation services are available through 7/31/2020.
Q. How do I set up this plan for my employees?
A. Please reach out to your MetLife Account Executive to inquire about setting this up for your company.
Q. When can my employees access this service?
A. Your employees should be able to access the service within two to three business days of discussing this with your Account Executive. If you need materials to help communicate this plan, please reach out to your Account Executive.
Q. How do employees use the service?
A. The employee can call the Client Service Center at 800.821.6400 to get started. They will need to identify their employer, the last four digits of their SSN or employee number and indicate that they are interested in the document review and consultations services being offered.
Employees also have access to our self-help document library to complete wills, living wills and powers of attorney. They can access the library by visiting info.legalplans.com and entering access code 9790010 and clicking on “Self-Help Documents” in the “Covered Services” tab. Or clicking here: https://info.legalplans.com/9790010/CoveredServices/?coveragecode=979#tab-forms
Q. What is covered under this offering?
A. Telephone and office consultations and document review.*
Q. How long are these services available?
A. The document review and consultation services are available immediately through 7/31/2020.
Q. What are the options for portability?
A. Beginning April 1, 2020 through June 30, 2020, we are offering employees that would like to keep their plan benefits due to a COVID-19 related leave of absence, unpaid leave, or after termination the option to either port their plans for 3 months or choose our standard 12-month portability.
Q. How do employees apply for portable enrollment?
A. Employees can call our Client Service Center at 800.821.6400, Monday -Friday (8am – 8pm ET) to enroll in the portable plan. A Client Service Center Representative will assist them in the enrollment process. Employees must enroll within the month of April, May or June and within 30 days from their last date of employment.
Q. How is it paid for?
A. Enrollment is prepaid via remittance of a lump sum payment equal to the legal plan’s monthly rate times three months (or 12 months if the employee chooses our standard portability plan).
Q. Who is covered?
A. Under portable enrollment, dependent definitions are the same as those for active employees.
Q. What is covered?
A. The covered services and exclusions are the same as those under the current plan. Please visit members.legalplans.com or call 800.821.6400 for plan details.
Q. How long will you offer this three-month portability plan?
A. For those who enroll in the three-month program, we will evaluate at the end of the period whether to extend for an additional three-month renewal option.
*Standard Exclusions apply. See a full list of our exclusions here:
No service, including consultations, will be provided for:
- Employment-related matters, including company or statutory benefits
- Matters involving the employer, Network Attorneys, MetLife and affiliates
- 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 and business matters, including rental issues when the plan member is the landlord
- Patent, trademark and copyright matters
- Costs and fines
- Frivolous or unethical matters
- Matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits
Life as we know it has changed dramatically in the last few weeks. You likely have questions and concerns now that you didn’t have two months ago. During times of uncertainty your legal plan can be a great resource, offering you access to attorneys to answer questions you have and review legal documents for you.
How we are helping
We are operating our regular Client Service Center hours, Monday through Friday, 8 am – 8pm ET, and we are operationally prepared to handle all calls and claims. Please feel free to reach out to us at 800-821-6400 if you have any questions on how our attorneys can help you during this time.
We have attorneys available by phone or email, and some attorneys offer video consultation, so members can discuss legal matters with an attorney from their home. We also offer our Law Firm E-Panel service on members.legalplans.com for members to submit questions online for attorneys to answer.
We are monitoring our attorney network to ensure that we are only connecting you with attorneys that are currently available and able to handle your legal matters now.
We have activated our Disaster Relief Plan to help all employees, even those not enrolled in the legal plan, to get attorney consultations and document reviews for legal matters they may be facing during this crisis. To find out more about this, call our Client Service Center and inquire if your employer is offering this plan.
We are offering flexibility in our portability options if you recently left your employer and are interested in continuing your legal plan membership. Call our Client Service Center for more information about getting this set up.
Read more about MetLife’s response to this crisis here: https://www.metlife.com/covid-19-update-ceo-faq/
Frequently asked questions during this crisis
Q. How can I get started creating a will and/or power of attorney?
A. If you are a legal plan member, you can visit our website, members.legalplan.com, to use our Attorney Locator to find an attorney near you and get a case number. Once you’ve found an attorney, you just give them a call, providing your case number to make an appointment. They can discuss your particular situation and help you draft a will that will protect your assets and family. They can also create a power of attorney for you to designate someone to make financial or medical decisions on your behalf.
You also have access to our self-help document library if you want to create your own will, power of attorney or healthcare directive. Our attorneys are available to review the documents you create, or answer questions you have about the documents. Our self-help document library is available on members.legalplans.com, by clicking on “Self-Help Documents.”
See a checklist of recommended legal documents here: https://www.legalplans.com/checklist-what-legal-documents-do-i-need/
Q. How do I ensure my healthcare wishes will be met if I am hospitalized?
A. A healthcare proxy allows you to designate someone to make healthcare decisions for you in the event you become incapacitated. This is also known as a durable medical power of Attorney and takes effect if you can’t make decisions because you are unconscious or not in a mental state to make decisions for yourself. An attorney can discuss this document with you and draft one for you to ensure someone will be able to carry out your healthcare wishes if needed.
Read more about advanced directives here: https://www.legalplans.com/will-preparation-group-legal-plans/
Q. I’m a caregiver for my parents and I want to discuss my parents’ estate planning documents. What should I do?
A. This is an important matter for a caregiver to consider. You want to ensure that your parents’ estate planning documents are up to date and outline all of their healthcare wishes. An attorney can review the documents to offer advice on the documents and how they may impact you as the caregiver. Members also have access to our Family Matters plan if they want to help their parents to get these documents created themselves. Find out more by visiting members.legalplans.com, and clicking on Legal Documents for My Parents.
Read more about the importance of these documents if you are a caregiver: https://www.legalplans.com/ask-an-attorney-im-a-caregiver-for-my-parents-what-should-i-consider-for-their-wills-and-powers-of-attorneys/
Q. What do I do about my vacation plans?
A. With some states and countries restricting travel and business operations, travel plans are uncertain. If you have questions about a rental agreement you have for a planned vacation as the renter, our attorneys are available to review the documents and see what you can do to potentially get a refund or change your plans. A Network Attorney can review your contract and offer advice on what you should do, and if advisable, draft a demand letter for you to take action on the situation.
Q. I planned a big event, can I get my deposit back?
A. This may be a stressful time for anyone who may have planned a wedding or other large event. You may have signed various contracts for catering or for venues and are now uncertain what options you have in the event you have to cancel your plans. An attorney can review the contracts and offer consultation on what legal options you have with venues or caterers, and discuss if you have any options for getting deposits back.
Q. I am not able to look for an apartment right now, but my lease is almost up and I want to move soon. What should I do?
A. With social distancing measures in place, it might be difficult to shop for a new apartment right now. An attorney can review your lease and see if you have an option to go month to month, or help you draft a letter to reach out to your landlord to discuss options for your lease going forward.
Read more about contacting an attorney about security deposit issues here: https://www.legalplans.com/security-deposit-legal-issues/
Q. Rates are low, what options do I have with my current mortgage?
A. Interest rates have moved lower, which means that many more people may be considering refinancing. If you are considering refinancing your home, an attorney can review your mortgage or refinancing documents to offer consultation on next steps to take.
Q. My child needs to defer their student loan, what should I do?
A. There are a number of things going on right now to help people who are not able to pay their student loans at this time. The Department of Education is providing assistance for some borrowers that cannot make loan payments. If you or your child has questions about this, an attorney can discuss your options and what is currently going on with student loans.
Q. I am trying to manage my credit card debt to save more money. What can I do to work with my creditors on a payment plan?
A. Many credit card companies are offering assistance during this time to consumers who are not able to make payments. If you want to discuss what assistance may be available to you, an attorney can offer consultation and advice to help you make a plan to reach out to your creditor.
Read more about how an attorney can help with debt collection issues here: https://www.legalplans.com/legal-service-plan-ensure-fair-debt-collection/
This information is not intended, and should not be taken, as legal advice. Regulations will vary from state to state. You should contact an attorney for advice on specific legal problems.