Legal Insurance

The Cobb County Retiree Association now offers Legal Insurance through MetLife.

MetLife Legal provides easy, direct access to a national network of attorneys who provide telephone advice and office consultations on an unlimited number of personal legal matters and fully covered services for the most frequently needed personal legal matters. Participants may also receive service from out-of-network attorneys.

High Plan – Low Plan Summary

Rates

Plan Chosen Monthly Cost
Low Plan $8.25
High Plan $16.50
Covers member, spouse and dependents

Plan Features

Easy as 1 -2- 3

Telephone advice and office consultations on an unlimited number of personal legal matters.

Trials for covered matters are covered from beginning to end, regardless of length, when using a Network Attorney.

Reduced Fees: For personal injury, probate & estate administration matters, provided by Network Attorneys.

Legal Assistance for Financial Wellness is also included in the plan.

Product Overview

Summary of the Plan including High Plan – Low Plan Summary

LEGAL SERVICES SUMMARY

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Debt Collection Defense
  • Identity Theft Defense
  • Negotiations with Creditors
  • Promissory Notes
  • Tax Collection Defense
  • Financial Wellness Programs1
  •  Identity Restoration2
  • Personal Bankruptcy
  • Tax Audit Representation

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Deeds
  • Eviction Defense
  • Foreclosure
  • Mortgages
  • Security Deposit Assistance
  • Tenant Negotiations
  • Boundary & Title Disputes
  • Property Tax Assessments
  • Refinancing & Home Equity Loan 
  • Sale or Purchase of Home
  • Zoning Applications

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Codicils
  • Complex Wills
  • Healthcare Proxies
  • Living Wills
  • Powers of Attorney (Healthcare, Financial, Childcare, Immigration)
  • Simple Wills
  • Revocable & Irrevocable Trusts

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Affidavits
  • Conservatorship
  • Demand Letters
  • Garnishment Defense
  • Guardianship
  • Name Change
  • Personal Property Issues
  • Protection from Domestic Violence
  • Review of ANY Personal Legal Document
  • School Hearings
  • Adoption
  • Immigration Assistance
  • Juvenile Court Defense Including Criminal Matters
  • Parental Responsibility Matters
  • Prenuptial Agreement

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Administrative Hearings
  • Disputes Over Consumer Goods & Services
  • Incompetency Defense
  • Small Claims Assistance
  • Civil Litigation Defense
  • Pet Liabilities

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
Consultation & Document Review for issues related to your parents:

  • Deeds
  • Leases
  • Medicaid
  • Medicare
  • Notes
  • Nursing Home Agreements
  • Powers of Attorney
  • Prescription Plans
  • Wills
 Covers the same as the Low Plan for Elder Care Issues

Low Plan Benefits High Plan
Low Plan Coverage, Plus:
  • Defense of Traffic Tickets3
  • Driving Privileges Restoration
  • Habeas Corpus
  • License Suspension
  • Repossession
 Covers the same as the Low Plan for Vehicle and Driving

1) Offered through PlanSmart
2) Aura is a product of Aura Sub, LLC and is not affiliated with MetLife
3) Does not cover DUI Defense

Definitions and Reimbursements

Summary of Benefit Definitions, including:

  • Advice & Consultation
  • Consumer Protection
  • Debt Matters
  • Defense of Civil Lawsuits
  • Documentation Preparation
  • Family Law
  • Immigration
  • Personal Injury
  • Real Estate Matters
  • Traffic and Criminal
  • Wills and Estate Planning

Additional Features

The legal plan provides full coverage of attorney fees for the most common personal legal matters with no additional out-of-pocket cost to members*.

  • Telephone advice, office consultations, demand letters and document review on an unlimited number of personal legal matters.
  • For non-covered matters that are not otherwise excluded, available through the high plan only, employees get four additional hours of network attorney time and services per plan year. No more than a combined maximum total of four hours of attorney time and service are provided for the member, spouse and qualified dependents, annually.
  • Reduced fees for personal injury, probate and estate administration matters, provided by network attorneys.
  • Access to a digital estate planning solution for wills, living wills, power of attorney and living trusts.

* Exclusions: No service, including advice and consultations, will be provided for 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife® and affiliates, and plan attorneys; 3) 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; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters listed above.

Contact

Locate attorneys and schedule appointments by calling the Client Service Center  toll-free (800-821-6400) and speaking to a knowledgeable and experienced representative.

How to Reach a Network Attorney

MetLife Legal Plan Website Login Instructions

Visit the website, members.legalplans.com.

Guaranteed satisfaction: Responsive customer service, supported by a money-back guarantee.