Citi Benefits Handbook
What Is Covered
The following fee schedule describes the maximum amounts that the Plan will pay for covered legal services provided if you use an in-network or reimburse you for if you use an out-of-network attorney. Only one fee category per case-type applies to each matter — the fee category that best describes the services that were provided.
The Plan provides only for the personal legal matters listed below. Once you receive services from an out-of-network attorney, you cannot use an in-network Plan attorney for the same matter.
If you or your non-network attorney have any questions regarding coverage or exclusions, please visit the Plan website at
https://members.legalplans.com or call
1 (800) 821-6400 and ask to speak with MetLife's Payment Administrator before services are provided.
The services listed with "(includes Plus Parents)" notation are available to parents and parents-in-law through the Plus Parents option. The list of covered services may change at any time.
Advice and Consultation
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Office Consultation and Telephone Advice
|
100%
|
$70 (If no further covered services are provided)
|
Consumer Protection
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Consumer Protection Matters
Excludes disputes over real estate, construction or insurance. Disputed amount exceeds small claims limit and is evidenced by writing.
|
|
Correspondence and Negotiation
|
100%
|
$500
|
|
Filing of Suit, Ending in Settlement or Judgement
|
100%
|
$2,000, plus Trial Supplement*
|
|
Property Protection
|
|
Counseling, Document Review and Assistance
|
100%
|
$125
|
|
Small Claims
|
|
Counseling on Preparing Small Claims Complaint and Trial Preparation
This service does not cover a Plan attorney's attendance or representation at a small claims trial, collection activities after the judgment or any services related to post judgment actions.
|
100%
|
$200
|
* Trial Supplement — In addition to the fees indicated, the Plan will pay 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.
Debt Matters
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Debt Collection Defense (Consumer Debts)
Excludes defense of matters arising from divorce or post-decree actions. Includes repossession and garnishment.
|
|
Negotiation and Settlement
|
100%
|
$350
|
|
Negotiation and Settlement after Complaint and Answer Filed
|
100%
|
$600
|
|
Trial
|
100%
|
$1,050 plus Trial Supplement *
|
|
Debt Collection Defense (Foreclosures)
|
|
Negotiation
|
100%
|
$500
|
|
Complaint and Answer Filed, Settlement Negotiations
|
100%
|
$850
|
|
Trial
|
100%
|
$1,500 plus Trial Supplement *
|
|
Identity Theft
|
100%
|
|
|
Correspondence/Notice to Creditors
|
100%
|
$250
|
|
Personal Bankruptcy or Wage Earner Plan
|
|
Chapter 7 Individual or Member/Spouse/Partner
|
100%
|
$850
|
|
Chapter 13 Individual or Member Spouse/Partner
|
100%
|
$1,400
|
|
Tax Audits
|
|
Negotiation and Settlement
|
100%
|
$500
|
|
Audit Hearing (Includes Negotiation & Settlement)
|
100%
|
$1,200
|
Defense of Civil Lawsuits
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Administrative Hearing Representation and Incompetency Defense
Excludes defense of matters arising from divorce, post-decree actions or other family law matters, or job related incidents
|
|
Negotiation and Settlement
|
100%
|
$500
|
|
Contested Hearings ending in Settlement or Judgement
|
100%
|
$1,800 plus Trial Supplement *
|
|
Civil Litigation Defense
Excludes defense of matters arising from divorce, post-decree actions or other family law matters or job related incidents .
|
|
Negotiation and Settlement
|
100%
|
$650
|
|
Filing Answer, Litigation Ending in Settlement or Judgment
|
100%
|
$1,800, plus Trial Supplement*
|
* Trial Supplement — In addition to the fees indicated, the Plan will pay one half of the attorney's hourly rate fees for representation in trial beyond the third day of trial, for up to a maximum of $800 per day up to a $100,000 total trial supplement maximum.
Document Preparation and Review
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Affidavits (includes Plus Parents)
|
100%
|
$75
|
|
Deeds (includes Plus Parents)
|
100%
|
$100
|
|
Demand Letters (includes Plus Parents)
Negotiations and Plan Attorney representation in litigation are not included
|
100%
|
$75
|
|
Document Review (includes Plus Parents)
|
100%
|
$100
|
|
Elder Law Matters (includes Plus Parents)
(Counseling and document review of only documents pertaining to the participant's parents as affecting the participant)
|
100%
|
$140
|
|
Mortgages (includes Plus Parents)
|
100%
|
$70
|
|
Promissory Notes (includes Plus Parents)
|
100%
|
$70
|
Family Law
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Adoption and Legitimization
|
|
Uncontested
|
100%
|
$650
|
|
Contested
|
100%
|
$1,500, plus Trial Supplement*
|
|
Guardianship or Conservatorship
|
|
Uncontested
|
100%
|
$650
|
|
Contested
|
100%
|
$1,500, plus Trial Supplement*
|
|
Name Change
|
100%
|
$400
|
|
Prenuptial Agreement
Available to Eligible Plan Member only
|
100%
|
$750
|
|
Protection from Domestic Violence
Preparation of Paperwork and Attendance at Hearing
Available to Eligible Plan Member only (eligible dependents are not covered) |
100%
|
$425
|
* Trial Supplement — In addition to the fees indicated, the Plan will pay 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.
Immigration
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Immigration Assistance
Counseling on Preparing Forms and Hearing Preparation
Plan Attorney attendance and representation in court is not covered.
|
100%
|
$500
|
Real Estate Matters
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Boundary or Title Disputes
(Primary Residence)
|
|
Negotiation and Settlement
|
100%
|
$500
|
|
Trial
|
100%
|
$1,500, plus Trial Supplement*
|
|
Eviction and Tenant Problems
(Primary Residence - Tenant only)
|
|
Correspondence and Negotiations
|
100%
|
$280
|
|
Eviction Trial Defense
|
100%
|
$840, plus Trial Supplement*
|
|
Home Equity Loan (Primary Residence)
Applies only to attorney who represents the plan member, not the attorney representing the lending institution
|
100%
|
$350
|
|
Home Equity Loan (Second or Vacation Home)
Applies only to attorney who represents the plan member, not the attorney representing the lending institution
|
100%
|
$350
|
|
Property Tax Assessment
(Primary Residence)
|
|
Negotiation and Settlement
|
100%
|
$270
|
|
File Request for hearing with Attendance at Hearing
|
100%
|
$620 plus Trial Supplement *
|
|
Refinance of home (Primary Residence, Second or Vacation home)
Applies only to attorney who represents the Plan member, not the attorney representing the lending institution.
|
100%
|
$350
|
|
Sale or Purchase of Home (Primary Residence, Second or Vacation Home)
Applies only to attorney who represents the plan member, not the attorney representing the lending institution
|
100%
|
$500
|
|
Security Deposit Assistance
This service does not include Plan Attorney representation in lawsuit against a landlord, including an action for the return of a security deposit. Additionally, it does not cover a Plan attorney's attendance or representation at a small claims trial, collection activities after the judgment or any services related to post judgment actions.
|
|
Counseling on Preparing Small Claims Complaint and Trial Preparation
|
100%
|
$150
|
|
Demand Letter/Negotiations
|
100%
|
$250
|
|
Zoning Applications
|
|
Preparation of Documentation
|
100%
|
$250
|
|
Documentation / Attending Hearing
|
100%
|
$500
|
* Trial Supplement — In addition to the fees indicated, the Plan will pay 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.
Traffic and Criminal Matters
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Driving Privileges/Restoration of Suspended License
|
|
Juvenile Court Defense
|
100%
|
$250 |
|
Negotiation and Settlement
|
100%
|
$500
|
|
Trial
|
100%
|
$1,200 plus Trial Supplement*
|
|
Traffic Ticket Defense (No DUI)
|
|
Plea or Trial at Court form Minor Moving Violations
|
100%
|
$250
|
|
Plea or Trial at Court for Serious Moving Violations Resulting in Jail Time or License Suspension
|
100%
|
$500, plus Trial Supplement*
|
* Trial Supplement — In addition to the fees indicated, the Plan will pay 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.
Wills and Estate Matters
|
Case Type
|
In-Network
|
Out-of-Network
The Plan Will Pay Up to
|
|
Living Wills (includes Plus Parents)
|
|
|
|
Individual
|
100%
|
$75
|
|
Member and Spouse
|
100%
|
$80
|
|
Powers of Attorney (includes Plus Parents)
|
|
|
|
Individual
|
100%
|
$65
|
|
Member and Spouse
|
100%
|
$75
|
|
Trusts
|
|
|
|
Individual
|
100%
|
$325
|
|
Member and Spouse
|
100%
|
$450
|
|
Wills and Codicils (includes Plus Parents)
|
|
|
|
Individual
|
100%
|
$150
|
|
Member and Spouse
|
100%
|
$200
|
If there is any question about whether a service would be included or excluded, or the extent of coverage of a service, it is important to call MetLife Legal and receive confirmation as to whether and for how much a service is covered.
Plan Attorneys will handle probate matters at a fee of 10% less than the prevailing rate — subject to applicable law and court rules. The Covered Person must pay the reduced fee and all costs.
Plan Attorneys will handle personal injury matters whether the covered person is the plaintiff at a maximum fee of 25% of the gross award. The covered person is responsible for paying the attorney's fee and all costs.
About Caregiving Services
Through MetLife's partnership with Family First, the Plan provides for the cost of services associated with developing a personalized caregiving solution. When you contact Family First, a dedicated Care Expert with an average of 20 years' experience will work with you and a multi-disciplinary, nationwide network of highly-trained experts, such as physicians, social workers and counselors, to develop a comprehensive solution to your caregiving challenges. Services are covered at 100%.
Contact Family First by calling
1 (800) 821-6400 or by visiting
https://members.legalplans.com and selecting "Caregiving Support & Resources". You will be redirected to the Family First home page. You can also access Family First through the mobile app.
