MetLaw - Hyatt Legal Services

Transcription

1 MetLaw - Hyatt Legal Services MetLaw Hyatt Legal Services There are many times in life when you may need the services of a qualified attorney: purchasing a home, estate planning and will preparation, financial matters, family law or adoption issues. Yet according to a study conducted by the American Bar Association, many people who need legal help do not seek it in part because they fear the cost and don t know how to find the right attorney.¹ If you ve ever had to hire an attorney, you know that attorney fees can quickly add up for even the most basic legal services. And there s always the problem of finding a qualified attorney who is right for the job. That could take hours or even days. MetLaw, the group legal plan available through Hyatt Legal Plans,² makes things simple for you. You get the attorney you need at a cost that s very affordable, with access by telephone or in-person for advice on an unlimited number of personal legal matters, and representation for a wide variety of legal services. You will have access to our national network of more than 13,000 attorneys who meet established selection criteria including an out of network option available.2 The attorneys have a minimum of 7 years with an overall average of 25 years of experience and offer a broad array of legal services. Simply call our Client Service Center, and a representative will answer your questions and help you locate a local attorney who best meets their needs. You may also access plan information, attorneys, documents and other valuable resources online. MetLaw could save you hundreds of dollars in attorney fees for common legal services like these: Estate Planning Documents, Including Wills and Trusts Real Estate Matters Identity Theft Defense Financial Matters, such as Debt-Collection Defense Traffic Offenses Document Review Family Law, including Adoption and Name Change Advice and Consultation on Personal Legal Matters And More You get legal advice and representation from a qualified attorney at an affordable price. You ll enjoy quick, easy access to a nationwide network of 13,000 Plan Attorneys who have an average of 25 years of experience offering a broad range of legal services.³ You can also choose a non-plan Attorney and may be reimbursed through the MetLaw plan.4 No matter how many times you use a Plan Attorney over the course of the year for covered legal matters, all you pay is your monthly premium, no co-payments no deductibles. The MetLaw premium is conveniently deducted from your paycheck, and there are no claim forms to fill out for network service. Your spouse and dependent children also have access to the plan benefits for added peace of mind. ¹ Public Perception of Lawyers Consumer Research Findings, prepared on behalf of Section of Litigation, American Bar Association, April ² MetLaw is offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, OH. In certain states, the plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI. ³ For more specific information, please refer to 4 You will be responsible to pay the difference, if any, between the Plan s payment and the non-plan Attorney s charge for services Group legal plans provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, 700 Quaker Lane, Warwick, RI No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife, its affiliates, or plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse/civil union partner or dependents, in which case services are excluded for the spouse/civil union partner 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 MetLaw. 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. MetLaw and MetLife are registered trademarks of Metropolitan Life Insurance Company, New York, NY

2 MetLaw Benefit Definitions ADVICE AND CONSULTATION Office Consultation This service provides the opportunity to discuss with an attorney any personal legal problems that are not specifically excluded. The plan attorney will explain the participant s rights, point out his or her options and recommend a course of action. The plan attorney will identify any further coverage available under the plan, and will undertake representation if the participant so requests. If representation is covered by the plan, the participant will not be charged for the plan attorney s services. If representation is recommended, but is not covered by the plan, the plan attorney will provide a written fee statement in advance. The participant may choose whether to retain the plan attorney at his or her own expense, seek outside counsel, or do nothing. There are no restrictions on the number of times per year a participant may use this service, although it is not intended to provide the participant with continuing access to a plan attorney in order to undertake his or her own representation. Telephone Advice (see definition above) CONSUMER PROTECTION MATTERS Consumer Protection Matters This service covers the participant as plaintiff for representation, including trial, in disputes over consumer goods and services where the amount being contested exceeds the small claims court limit in that jurisdiction and is documented in writing. This service does not include disputes over real estate, construction, insurance or collection activities after a judgment. Correspondence and Negotiation Filing of Suit, Ending in Settlement or Judgment Personal Property Protection This service covers counseling the participant over the phone or in the office on any personal property issue such as consumer credit reports, contracts for the purchase of personal property, consumer credit agreements or installment sales agreements. Counseling on pursuing or defending small claims actions is also included. The service also includes reviewing any personal legal documents and preparing promissory notes, affidavits and demand letters. Small Claims Assistance This service covers counseling the participant on prosecuting a small claims action; helping the participant prepare documents; advising the Participant on evidence, documentation and witnesses; and preparing the participant for trial. The service does not include the plan attorney s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions. DEFENSE OF CIVIL LAWSUITS Administrative Hearing Representation This service covers participants in defense of civil proceedings before a municipal, county, state or federal administrative board, agency or commission. It includes the hearing before an administrative board or agency over an adverse government action. It does not apply where services are available or are being provided by virtue of a homeowner or vehicle insurance policy. It does not include family law matters, post judgment matters or litigation of a job-related incident. Negotiation and Settlement Contested Hearings ending in Settlement or Judgment In Network

3 MetLaw Benefit Definitions DEFENSE OF CIVIL LAWSUITS (continued) Civil Litigation Defense This service covers the participant in defense of an arbitration proceeding or civil proceeding before a municipal, county, state or federal administrative board, agency or commission, or in a trial court of general jurisdiction. It does not apply where services are available or are being provided by virtue of an insurance policy. It does not include family law matters, post judgment matters, matters with criminal penalties or litigation of a job-related incident. Services do not include bringing counter, third party or cross claims. Negotiation and Settlement Filing answer, litigation ending in Settlement or Judgment Incompetency Defense This service covers the participant in the defense of any incompetency action, including court hearings when there is a proceeding to find the participant incompetent. Negotiation and Settlement Trial DOCUMENT PREPARATION AND REVIEW Affidavits This service covers preparation of any affidavit in which the participant is the person making the statement. Deeds This service covers the preparation of any deed for which the participant is either the grantor or grantee. Demand Letters This service covers the preparation of letters that demand money, property or some other property interest of the participant, except an interest that is an excluded service. It also covers mailing themto the addressee, and forwarding and explaining any response to the participant. Document Review This service covers the review of any personal legal document of the participant, such as letters, leases or purchase agreements. Elder Law Matters This service covers counseling the participant over the phone or in the office on any personal issues relating to the participant s parents as they affect the participant. The service includes reviewing documents of the parents to advise the participant on the effect on the participant. The documents include Medicare or Medicaid materials, prescription plans, leases, nursing home agreements, powers of attorney, living wills and wills. The service also includes preparing deeds involving the parents when the participant is either the grantor or grantee; and preparing promissory notes involving the parents when the participant is the payor or payee. Mortgages This service covers the preparation of any mortgage or deed of trust for which the participant is the mortgagor. Promissory Notes This service covers the preparation of any promissory note for which the participant is the payor or payee. ESTATE PLANNG DOCUMENTS Trusts This service covers the preparation of revocable and irrevocable living trusts for the participant. It does not include tax planning or services associated with funding the trust after it is created. Individual Member and Spouse In Network

4 MetLaw Benefit Definitions ESTATE PLANNG DOCUMENTS (continued) Living Wills This service covers the preparation of a living will for the participant. Individual Member and Spouse Powers of Attorney This service covers the preparation of any power of attorney when the participant is granting the power. Individual Member and Spouse Wills and Codicils (Including Simple Support Trust for Minor Children) This service covers the preparation of a simple or complex will for the participant. The creation of any testamentary trust is covered. The benefit includes the preparation of codicils and will amendments. It does not include tax planning. Individual Member and Spouse FAMILY LAW Adoption and Legitimization This service covers all legal services and court work in a state or federal court for an adoption for the plan member and spouse. Legitimization of a child for the plan member and spouse, including reformation of a birth certificate, is also covered. Uncontested Contested Guardianship or Conservatorship This service covers establishing a guardianship or conservatorship over a person and his or her estate when the plan member or spouse is being appointed as guardian or conservator. It includes obtaining a permanent and/or temporary guardianship or conservatorship, gathering any necessary medical evidence, preparing the paperwork, attending the hearing and preparing the initial accounting. This service does not include representation of the person over whom guardianship or conservatorship is sought, any annual accountings after the initial accounting, or terminating the guardianship or conservatorship once it has been established. Uncontested Contested Name Change This service covers the participant for all necessary pleadings and court hearings for a legal name change. Prenuptial Agreement This service covers representation of the plan member and includes the negotiation, preparation, review and execution of a prenuptial agreement between the plan member and his or her fiancé/partner prior to their marriage or legal union (where allowed by law). It does not include subsequent litigation arising out of a prenuptial agreement. The fiancé/partner must either have separate counsel or waive his/her right to representation. Protection from Domestic Violence This service covers the employee only, not the spouse or dependents, as the victim of domestic violence. It provides the employee with representation to obtain a protective order, including all required paperwork and attendance at all court appearances. The service does not include representation in suits for damages, defense of any action, or representation for the offender. IMMIGRATION Immigration Assistance This service covers advice and consultation, preparation of affidavits and powers of attorney, review of any immigration documents, and helping the participant prepare for hearings. In Network

5 MetLaw Benefit Definitions FANCIAL MATTERS Debt Collection Defense This benefit provides participants with an attorney s services for negotiation with creditors for a repayment schedule and to limit creditor harassment, and representation in defense of any action for personal debt collection, tax agency debt collection, foreclosure, repossession or garnishment, up to and including trial if necessary. It includes a motion to vacate a default judgment. It does not include counter, cross or third party claims; bankruptcy, any action arising out of family law matters including support and post decree issues; or any matter where the creditor is affiliated with the sponsor or employer. Debt Collection Defense (Consumer Debts) Negotiation and Settlement Negotiation and Settlement after Complaint and Answer Filed Trial Debt Collection Defense (Foreclosures) Negotiation Complaint and Answer Filed, Settlement Negotiations Trial Identity Theft Defense This service provides the participant with consultations with an attorney regarding potential creditor actions resulting from identity theft and attorney services as needed to contact creditors, credit bureaus and financial institutions. It also provides defense services for specific creditor actions over disputed accounts. The defense services include limiting creditor harassment and representation in defense of any action that arises out of the identity theft such as foreclosure, repossession or garnishment, up to and including trial if necessary. The service also provides the participant with online help and information about identity theft and prevention. It does not include counter, cross or third party claims; bankruptcy; any action arising out of family law matters, including support and post-decree matters; or any matter where the creditor is affiliated with the sponsor or employer. Personal Bankruptcy or Wage Earner Plan This service covers the plan member and spouse in pre-bankruptcy planning, the preparation and filing of a personal bankruptcy or Wage Earner petition, and representation at all court hearings and trials. This service is not available if a creditor is affiliated with the sponsor or employer, even if the plan member or spouse chooses to reaffirm that specific debt. Chapter 7 Individual or Member/Spouse Chapter 13 Individual or Member/Spouse Tax Audit Representation This service covers reviewing tax returns and answering questions the IRS or a state or local taxing authority has concerning the participant s tax return; negotiating with the agency; advising the participant on necessary documentation; and attending an IRS or a state or local taxing authority audit. The service does not include prosecuting a claim for the return of overpaid taxes or the preparation of any tax returns. Negotiation and Settlement Audit Hearing JUVENILE MATTERS Juvenile Court Defense This service covers the defense of a participant and a participant s dependent child in any juvenile court matter, provided there is no conflict of interest between the participants and the dependent child. In that event, this service provides an attorney for the plan member only including services for Parental Responsibility. Negotiation and Settlement Trial In Network

6 MetLaw Benefit Definitions PERSONAL JURY Personal Injury (25% Network Maximum) Subject to applicable law and court rules, plan attorneys will handle personal injury matters (where the participant is the plaintiff) at a maximum fee of 25% of the gross award. It is the participant s responsibility to pay this fee and all costs. PROBATE Probate (10% Network Reduced Fee) Subject to applicable law and court rules, plan attorneys will handle probate matters at a fee of 10% less than the plan attorney s normal fee. It is the participant s responsibility to pay this reduced fee and all costs. REAL ESTATE MATTERS Boundary or Title Disputes This service covers negotiations and litigation arising from boundary or real property title disputes involving a participant s primary residence, where coverage is not available under the participant s homeowner or title insurance policies. The service includes filing to remove a mechanic s lien. Negotiation and Settlement Trial Eviction and Tenant Problems This service covers the participant as a tenant for matters involving leases, security deposits or disputes with a residential landlord. The service includes eviction defense, up to and including trial. This service covers matters involving the participant s primary residence only. It does not include representation in disputes with other tenants or as a plaintiff in a lawsuit against the landlord, including an action for return of a security deposit. Correspondence and Negotiations Eviction Trial Defense Security Deposit Assistance This service covers counseling the participant as a tenant in recovering a security deposit from the participant s residential landlord for the participant s primary residence; reviewing the lease and other relevant documents; and preparing a demand letter to the landlord for the return of the deposit. It also covers assisting the participant in prosecuting a small claims action; helping prepare documents; advising on evidence, documentation and witness; and preparing the participant for the small claims trial. The service does not include the plan attorney s attendance or representation at the small claims trial, collection activities after a judgment or any services relating to post-judgment actions. Demand Letter/Negotiations Counseling on Preparing Small Claims Complaint and Trial Preparation Home Equity Loan for Primary Residence, or Second or Vacation Home This service covers the review or preparation of a home equity loan on the participant s primary residence, or second or vacation home. Property Tax Assessments This service covers the participant for review and advice on a property tax assessment on the participant s primary residence. It also includes filing the paperwork, gathering the evidence, negotiating a settlement, and attending the hearing necessary to seek a reduction of the assessment. Negotiation and Settlement File Request for Hearing with Attendance at Hearing In Network

7 MetLaw Benefit Definitions REAL ESTATE MATTERS (continued) Refinancing of Home (Primary Residence) This service covers the review or preparation, by an attorney representing the participant, of all relevant documents (including the refinance agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the refinancing of or obtaining a home equity loan on a participant s primary residence. The benefit also includes attendance of an attorney at closing. This benefit includes obtaining a permanent mortgage on a newly constructed home. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the refinancing of a second home, vacation property or property that is held for any rental, business, investment or income purpose. Refinancing of Home (Second or Vacation Home) This service covers the review or preparation, by an attorney representing the participant, of all relevant documents (including the refinance agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the refinancing of or obtaining a home equity loan on a participant s second home or vacation home. The benefit also includes attendance of an attorney at closing. This benefit includes obtaining a permanent mortgage on a newly constructed home. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the refinancing of a second home, vacation property or property that is held for any rental, business, investment or income purpose. Sale or Purchase of Home (Primary Residence) This service covers the review or preparation, by an attorney representing the participant, of all relevant documents (including the construction documents for a new home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation) which are involved in the purchase or sale of a participant s primary residence or a vacant property to be used for building a primary residence.the benefit also includes attendance of the attorney at closing. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the sale or purchase of a second home, vacation property, rental property, property held for business or investment or leases with an option to buy. Sale or Purchase of Home (Secondary or Vacation Home) This service covers the review or preparation, by an attorney representing the participant, of all relevant documents (including the construction documents for a new second home or vacation home, the purchase agreement, mortgage and deed, and documents pertaining to title, insurance, recordation and taxation), which are involved in the purchase or sale of a participant s second home, vacation home or of a vacant property to be used for building a second home or vacation home. The benefit also includes attendance of an attorney at closing. It does not include services provided by any attorney representing a lending institution or title company. The benefit does not include the sale or purchase of a second home or vacation home held for rental purpose, business, investment or income or leases with an option to buy. Zoning Applications This service provides the participant with the services of a lawyer to help get a zoning change or variance for the participant s primary residence. Services include reviewing the law, reviewing the surveys, advising the participant, preparing applications, and preparing for and attending the hearing to change zoning. Preparation of Documentation Documentation/Attending Hearing TRAFFIC OFFENSES Restoration of Driving Privileges This service covers the participant with representation in proceedings to restore the participant s driving license. Traffic Ticket Defense (No DUI) This service covers representation of the participant in defense of any traffic ticket including traffic misdemeanor offenses, except driving under influence or vehicular homicide, including court hearings, negotiation with the prosecutor and trial. Plea or Trial at Court Plea or Trial at Court for serious moving violations resulting in jail time or license suspension In Network * Trial Supplement - In addition to fees indicated, we will pay the attorney s fees for representation in trial beyond the second day of trial up to a maximumof $800 per day up to $100,000 total trial supplement maximum. Exclusions: No service, including advice and 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. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters listed above. L [exp0715][All States][DC,PR]

8 Hyatt Legal Plans FAQs Group Legal Service Plan Coverage What is a legal plan and why should I enroll in one? For less than $20 a month, our legal employee benefits program offers you and your family value, convenience and peace of mind by giving you easy and low-cost access to attorneys for a wide variety of personal legal services. It s like having your own attorney as if on retainer. Payments are made conveniently and easily through payroll deductions. When you use a network attorney for covered services, all attorney fees are covered by the prepaid legal plan. Advice and consultations on an unlimited number of personal legal matters are also included in Hyatt s legal plans. When you enroll in the legal plan for only pennies a day, you can have a lawyer on your side. Legal issues arise when you get married, have a baby, buy or sell your home or lose a spouse or a parent. Take the Legal Needs Test to determine other areas where you may be in need of legal advice or representation. Typically, lawyers charge $100 to $500 to prepare a will (double the cost if your spouse needs a will). Although Hyatt's legal service plans are offered as a voluntary benefit, the value of participating in the prepaid legal plan is clearly significant. What is covered by my legal plan? Hyatt legal plans provide fully covered services for the most frequently needed personal legal matters, in addition to advice and consultations on an unlimited number of many personal legal matters. If you are a legal plan member, you can quickly access the member site to view coverage for the legal plan offered by your employer, or call our Client Service Center at (8 a.m. 7 p.m. EST/EDT, Mon. Fri.). If you are thinking about enrolling in the legal plan offered by your employer, visit our information center. Your HR or benefits department can supply your access code for the information center. Also, you may visit the Covered Services section to view examples of covered legal matters. What does fully covered mean when referring to legal services covered by my plan? Fully covered means that all attorney services related to the covered matter are paid for by the legal plan when you use a network attorney. There are no co-pays, deductibles or claim forms when you use a network attorney. Also, you are entitled to advice and consultations for matters not fully covered by the plan, so long as they are not excluded. (See terms of service for a list of excluded matters.) What about non-covered matters? If you desire service for a personal legal matter that is outside the scope of the plan, you can still receive telephone advice or an office consultation about that matter, so long as it is not excluded. This enables you to discuss the issues 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 or not to retain the attorney for further representation. Are pre-existing matters covered? Yes, Hyatt Legal Plans encourages members to use the plan to resolve as many legal issues as possible, even if they are pre-existing matters. The only pre-existing matters that are not covered are those for which you retained an attorney before becoming eligible for plan benefits. This is necessary to protect the existing attorney-client relationship

9 Hyatt Legal Plans FAQs What matters are excluded? The following matters are excluded from all plans: Employment-related matters, including company or statutory benefits Matters involving the employer, plan attorneys, MetLife and affiliates 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 Appeals and class actions Farm and business matters, including rental issues when the plan member is the landlord Patent, trademark and copyright matters Costs and fines Frivolous or unethical matters Matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits Using Your Group Legal Plan How do I use the plan? It s easy Simply access the member site or call our Client Service Center at (8 a.m. 7 p.m. EST/EDT, Mon. Fri.). After signing in, you may 1. Review covered services and see complete benefit definitions. 2. Find an attorney near you using the Attorney Locator. 3. Get a case number by clicking on Obtain Case Number. 4. Contact the network attorney of your choice and reference your case number when making an appointment. Are claim forms required when using the legal plan? Claim forms are not required when you receive service from network attorneys, making our plan easy to use. Claim forms are necessary only when you receive service from out-of-network attorneys. Can I use the plan outside my state of residence? Is international coverage available? Hyatt Legal Plans operates a national network of more than 13,000 plan attorneys in all 50 states and U.S. territories. Plan members may receive service from Any Attorney. Anywhere. Anytime. Plan members traveling outside the United States may also use the plan. Simply contact the attorney of your choice in your area. You will be reimbursed according to the out-of-network fee reimbursement schedule. You may call the Client Service Center at to get a copy of the out-of-network fee reimbursement schedule. If I have a legal matter in process when I terminate or retire from my employer, is the matter covered to completion? Is there a time limit? We will complete matters in process that you initiate while employed and still enrolled in the plan, even if you have terminated from the plan or employment. There is no time limit. About Our Attorney Network How are attorneys selected for the network? What are their qualifications? We select attorneys who meet our selection criteria and agree to our Attorney Code of Excellence. Attorneys in our network have an average of 25 years experience in the practice of law (the minimum we require is eight), have graduated from an accredited law school, and must maintain valid state licensure. Additionally, they maintain offices and agree to provide superior customer service to Hyatt legal plan members. Whom do I call if I have a problem with the legal plan or attorneys? Send an to csc@legalplans.com or call our Client Service Center at (8 a.m. 7 p.m. EST/EDT, Mon Fri.) when you have questions or concerns about our legal plan benefits, network attorneys, or other matters related to your legal plan. We operate a full-service Client Service Center at our headquarters in Cleveland, Ohio. Our representatives are trained to answer questions and resolve problems. We take immediate action to resolve the problem and generally succeed in doing so in 24 to 48 hours

10 Hyatt Legal Plans FAQs How do I find a network attorney? Plan members simply access the member site or call the Client Service Center at (8 a.m. 7 p.m. EST/EDT, Mon. Fri.) to use our attorney locator. Once selecting the attorney, call to make an appointment or discuss the matter over the phone. If you are thinking about enrolling, simply access our information center. Your HR or benefits department can supply your access code to the information center. You may also call our Client Service Center at (8 a.m. 7 p.m. EST/EDT, Mon. Fri.). How many attorneys are in your network? Our national attorney network has more than 13,000 attorneys operating in all 50 states and U.S. territories. We customize the network to meet plan members needs so it is strongest where our members live and work. Does your network include attorneys who can respond to inquiries from participants? Yes. We maintain a Law Firm E-Panel that provides participants the opportunity to forward questions via at any time to attorneys in all states and receive answers electronically. Plan members simply log in and select Attorney Locator then Law Firm E- Panel. Do you have multilingual attorneys? Do you have attorneys who specialize in certain areas of the law? Yes, many participating law firms have multilingual attorneys and attorneys who specialize in certain areas of law. Our call center and web site provide such data as number of attorneys in the firm, years of experience, area of expertise, and multilingual capabilities. Can plan members use their own attorneys? Yes, plan members can use their own attorneys anytime. Plan members who wish to use out-of-network attorneys simply request our fee reimbursement schedule. (To obtain a copy of the out-of-network fee reimbursement schedule, call the Client Service Center at ) The participant pays the attorney, submits a claim form to Hyatt Legal Plans and receives reimbursement within 14 days. If the non-participating attorney charges fees in excess of the maximum amount payable, the excess is the responsibility of the plan member. Are plan attorneys restricted in the amount of time they spend with participants? Not at all. Attorneys in our network are encouraged to spend as much time as necessary to assist and represent our participants and are compensated for all services provided. Our plan does not impose hour limits or frequency restrictions on covered attorney network services. We encourage usage of the legal plan and we expect plan attorneys to go the distance for our participants. Group legal plans are provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, OH. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI. Please contact Hyatt Legal Plans for complete details. L [exp0215][All States][DC]