Citi Benefits Handbook
When Coverage Ends
Generally, your coverage ends on the last day of the month in which your employment ends. Other reasons your coverage ends are:
  • The last day of the month in which you have received your 52nd week of disability benefits, including the 13-week STD period. You must pay premiums upfront directly to MetLife in order to continue MetLife Legal Plan coverage while on LTD (up to 39 weeks). (You can continue your coverage for an additional 12 months by paying premiums upfront directly to the administrator, MetLife)
  • You no longer meet the eligibility requirements of the Plan
  • The MetLife Legal Plans is discontinued;
  • You die.
Coverage for your dependents ends the earlier of when your coverage ends or when your dependents no longer meet the eligibility requirements described in the "Eligibility and Participation" section of this handbook. For your spouse/ partner, this means when you die, divorce, or end your relationship. For a child, this means he or she when dies or the last day of the month in which he or she turns age 26.
  • Please Note: You may continue coverage beyond age 26 for an unmarried child who is not capable of supporting himself or herself due to a mental or physical disability that began before the age limits described above and who is fully dependent on you for financial support.
Continuing Coverage After It Ends
You have the option to continue group legal coverage by contacting MetLife Legal Plans at 1 (800) 821-6400.
  • You must contact MetLife Legal within 30 days of the date your coverage ends.
  • You can continue your coverage for an additional 12 months by paying the full balance of premiums upfront to MetLife for the number of months, not to exceed 12 months that you would like to retain the MetLife Legal Plans coverage.