Legal Service Plan
UBT offers a voluntary legal plan for eligible members and their dependents from MetLife Legal Plans, the largest provider of group legal plans in the United States and has been in the business since 1981.
Value Convenience and More
The Legal Services Plan offers you and your family value, convenience and comfort in knowing you can access legal services for almost all personal legal matters. It gives you easy and low-cost access to a wide variety of personal legal services. We cannot predict the future, but we can help you prepare for it.
The services offered from MetLife will be provided through a panel of carefully selecting participating firms. For covered services, the Plan Attorney will provide initial consultation and all work, including representation necessary to complete the matter.
Enrollment
If you enroll during an open enrollment period, coverage becomes effective July 1. If you enroll in the plan within 90 days of hire, your coverage will begin the first of the month following the first premium deduction from your pay. Please see the Legal Plan Booklet for more detailed information.
Online
This option only available during open enrollment.
Choose either Family coverage or Single coverage.
Once enrolled, you must maintain coverage for one full plan year. If you choose to drop your coverage after a full plan year, you must complete a form during open enrollment to drop. Otherwise, your coverage will continue. Please see the plan booklet for more information.
Cost of Coverage
You pay the full cost of the legal service plan for yourself and your dependents. The level of coverage you select determines the cost of coverage. The monthly rate is $15.90 for single coverage, or $18.95 for family coverage. Your after-tax payroll deductions occur the first pay period of each month, which you see in the second paycheck each month.
When Coverage Ends
Your ability to receive legal services under the plan ends when:
- Your eligibility ends and no deductions are taken from your pay, or
- June 30 in any year in which you drop coverage during open enrollment.
If coverage ends, the plan will cover the legal fees for those covered services that were opened and pending while you were enrolled in the plan. No new matters may be opened after your coverage ends, even if the incident occurred while covered. Please refer to the Legal Plan Booklet for any exceptions.
Maintaining Coverage
The plan is portable. If you are retiring, laid off or terminating employment and wish to continue coverage, simply contact MetLife Legal Plans at 800.821.6400 within 31 days of terminating employment for full details.
Full Coverage
For matters listed in the section below, you pay no co-pays or deductibles. If a matter is fully covered, there are no time limits or usage restrictions. The Plan Attorney will provide the initial consultation and all work, including representation, necessary to complete the matter. You may use the plan for the same service or a different service, as many times as you desire. Coverage is available in all 50 states and US Territories.
- Consumer Protection
- Debt Matters
- Defense of Civil Lawsuits
- Document Preparation
- Family Law
- Immigration Assistance
- Real Estate Matters
- Traffic and Criminal Matters
- Wills and Estates Planning
- Protection from Domestic Violence (member only)
- Divorce, Dissolution and Annulment (20 Hrs. Maximum)
- Identity Management Services
- Adoption and Legitimization (Uncontested/Contested)
- Guardianship or Conservatorship (Uncontested/Contested
- Sale or Purchase of Primary, Second or Vacation Home
- Refinancing of Primary, Second or Vacation Home
- Home Equity Loans for Primary, Second or Vacation Home
- Boundary or Title Disputes of Primary Residence
- Property Tax Assessment of Primary Residence
- Zoning Applications
For the complete benefits summary, refer to the summary of benefits section in the Legal Plan Booklet.
MetLife even provides you with access to Plan Attorneys for matters that you are not fully covered or discounted by allowing unlimited office consultations or phone advice. Refer to the Advice and Consultation section in the Legal Plan Booklet.
Exclusions
Please refer to the Legal Plan Booklet for the complete list of exclusions.
If you have any questions about coverage or use of the Legal Service Plan before or after you enroll, call UBT at 614.508.2255 (Columbus) or 800.228.5088 (Toll Free).
To Obtain Benefits
Before obtaining service, you must contact MetLife and obtain a Case Number, even if you’re not going to use a network Plan Attorney.
You can obtain a Case Number on MetLife’s website or by phone through MetLife’s client service center at 800-821-6400. Hours are 8 a.m. to 7 p.m., Monday – Thursday and 8 a.m.- 6 p.m. Friday, Eastern Time. The MetLife representative will verify your eligibility, give you a Case Number, provide you with the name and phone number of a nearby Plan Attorney and answer any questions. After receiving a Case Number, you may call the Plan Attorney for an appointment.
If you live in an area where there are no Plan Attorneys or prefer to use an out-of network attorney, call MetLife before obtaining counsel. Once you have your Case Number, you may see the attorney of your choice, and will receive reimbursement according to MetLife’s set fee schedule. To receive reimbursement, send a completed form and the attorney’s bill to:
MetLife Legal Plans
1111 Superior Avenue, Suite 800
Cleveland, Ohio 44114-2507