Group legal plans are administered by MetLife Legal Plans, Inc.,
Cleveland, Ohio. In California, this entity operates under the name
MetLife Legal Insurance Services. In certain states, group legal
plans are provided through insurance coverage underwritten by
Metropolitan General Insurance Company, Warwick, RI. Some services
not available in all states. No service, including 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. Coverage for defense of
criminal matters is excluded from insurance coverage for
individuals located in New York. For all other personal legal
matters, an advice and consultation benefit is provided. Additional
representation is also included for certain matters. Please see
your plan description for details.
