Legal Insurance

Nextep's legal benefits give you easy access to attorneys for a wide variety of personal legal services. It's like having your own attorney on retainer. Payments are made conveniently through payroll deduction.

Legal issues arise when you get married, have a baby, prepare a will, buy or sell your home, or lose a spouse or a parent. When you use a network attorney for covered services, all attorney fees are covered by the legal plan. Advice and consultations on an unlimited number of personal legal matters are included.

Covered Legal Matters

Legal Insurance Features

Nextep's legal plan provides advice, consultations, and services for the most frequently needed personal legal matters.

Attorneys for personal legal matters
$0 copay and deductible on fully covered, in-network legal matters

Enroll or cancel coverage at any time, month to month
No claim forms or hidden fees

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Here's a quick overview:

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How the Legal Plan Works

Choose an in-network attorney, available online or at 800.821.6400. You can also choose an attorney outside of the network and be reimbursed according to a fee schedule.
The legal plan will give you an assigned case number to share with your attorney when you make an appointment. No claims form needed.
Speak to your attorney face to face, by phone at 800.821.6400, or submit questions online. Network Attorneys are there for you, whenever you need advice on any personal legal matter or representation on a number of legal services covered under your plan.

More Info

Legal Plan Coverage

Covered Legal Matters Include...

Family & personal
Money matters
Home & real estate
Civil lawsuits
Wills, estate, & future planning
Elder care
Adoption & guardianship

NOT Included

Employment-related matters
Appeals & class actions
Farm & business matters
Patent, trademark, & copyright
Costs & fines
Frivolous or unethical matters
Matters in which there is a conflict of interest

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Covered Legal Matters

Nextep's Legal plan fully or partially covers more than 150 legal matters. Download a list of what is and is not included in the plan.

Download List

Answers To Your Questions

Yes! Call 800.821.6400 for assistance in finding right attorney, tailored to your specific legal matter.

The plan only selects attorneys who meet their selection criteria and agree to their Attorney Code of Excellence. Attorneys in the network have an average of 25 years’ experience in the practice of law, have graduated from an accredited law school, and must maintain valid state licensure. The plan routinely monitors their attorneys to ensure excellence.

Yes, you can use any attorney you’d like. If you choose an attorney outside of the plan's network, they’ll reimburse you for services based on a set fee reimbursement schedule.

Yes, you have unlimited use of the plan for covered legal matters.

Yes! Your spouse and dependent children are covered under the plan.

No claim forms needed! When you use a Network Attorney, there is nothing for you to do. Plan services are covered in full, and billing is between the plan and the Network Attorney. There are no waiting periods, no copays, no deductibles and no claims forms.

"Fully-covered" means all attorney services related to the covered matter are paid by the plan when you use a network attorney. There are no co-pays, deductibles, or claim forms.

Pre-existing matters are also covered; use the plan to resolve as many legal issues as possible. The only pre-existing matters not covered are those for which you retained an attorney before becoming eligible for the plan. This protects your existing attorney-client relationship.

Since your coverage will be verified by your attorney, you will not need an ID card for Legal insurance.

If you need service for a matter outside the scope of the plan, you can still receive telephone advice or an office consultation, as long as it is not excluded.

This lets you discuss the issue at length, understand your rights and options, and decide on a course of action.

After the consultation, the attorney may decide that the matter is actually covered by the plan. If it is, the attorney will advise you and provide the service. If the matter is not covered, the attorney will provide a written fee estimate and you can choose whether to retain the attorney for further representation.

Here are some examples of legal matters that are not covered:

Employment-related matters, including company benefits
Issues involving the employer, plan attorneys, MetLife, Hyatt Legal, & affiliates
Patent, trademark, and copyright
Costs and fines
Appeals and class actions
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
Farm and business matters, including rental issues when the plan member is the landlord
Frivolous or unethical matters
Services with a pre-existing attorney-client relationship prior to the plan

See the Full List

Receipt of this info does not guarantee benefit eligibility. Different plans and tiers may vary based on your goegraphical area, company's benefit portfolio, and eligibility criteria. Log in to your enrollment portal in your Elevate by Nextep™ account or mobile app to see the specific plans available to you.

When it's time to enroll, you can view pricing for all plan options right in your Elevate by Nextep™ account or mobile app. As you click through the enrollment screens, a running tally will track and display your monthly costs in real time.

Need help choosing? Use the built-in Decision Support tool to get tailored benefit recommendations based on your unique lifestyle and budget.

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