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		<title>New MetLife Federal Legal Plan Offers Easy Access to Attorneys</title>
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		<pubDate>Tue, 01 Nov 2022 13:18:40 +0000</pubDate>
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					<description><![CDATA[Life can be complicated, finding a qualified attorney shouldn’t be. That’s the idea behind the MetLife Federal Legal Plan that is now available to members of the Federal family. In essence, being enrolled in the plan is like having a lawyer on retainer. But not just one lawyer —a network of over 18,000 of them. [&#8230;]]]></description>
		
		
		
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<p class="wp-block-paragraph">Life can be complicated, finding a qualified attorney shouldn’t be. That’s the idea behind the MetLife Federal Legal Plan that is now available to members of the Federal family.</p>



<p class="wp-block-paragraph">In essence, being enrolled in the plan is like having a lawyer on retainer. But not just one lawyer —a network of over 18,000 of them. For as low as $12 a month, you have access to expert guidance for over 80 legal matters you might face including buying or selling a home, creating an estate plan, dealing with identity theft, and yes, even handling traffic tickets.</p>



<h6 class="wp-block-heading"><b>A set monthly rate instead of hourly attorney fees</b></h6>



<p class="wp-block-paragraph">Hiring an attorney can be expensive — especially when you’re paying by the hour. The current average rate for an experienced lawyer is $391 an hour¹. With the MetLife Federal Legal Plan, you pay a fixed cost every month, either $12 or $20 depending on the plan option you choose. It offers unlimited attorney access for covered legal matters, and you’ll have no co-pays, deductibles, or attorney fees.²</p>



<h6 class="wp-block-heading"><b>I’m enrolled. What next?</b></h6>



<p class="wp-block-paragraph">When you need legal assistance, you can choose from a variety of resources. From your member account, you can easily find an attorney and schedule an appointment online or by phone. You can also submit legal questions to an Attorney e-Panel. Online tools are available to easily create wills and other estate planning documents.</p>



<h6 class="wp-block-heading"><b>What are MetLife customers saying?</b></h6>



<p class="wp-block-paragraph">One Legal Plan member and their spouse shared that when it was time to arrange their estate, they turned to a MetLife network attorney. “Our attorney in San Francisco made the process easy. He listened to us, what we wanted and made great recommendations on how we can best plan for the future. He explained in simple language all the documents that we were signing. We would recommend him for estate planning needs.”</p>



<h6 class="wp-block-heading"><b>Is the MetLife Federal Legal Plan right for you</b>?</h6>



<p class="wp-block-paragraph">The best time to find an attorney is before you need one. When you consider that 62% of working adults have been involved in a legal issue within the last three years³, it’s easy to see why having legal coverage is smart. Plus, the plan makes it simple to get legal help whenever you need it thanks to the large attorney network and extensive coverage. Get started today at <a href="http://metlifefederalbenefits.com/">MetLifeFederalBenefits.com</a>.</p>



<p class="wp-block-paragraph">_______________________________________________________________________</p>



<p class="wp-block-paragraph"><i>Sources:</i></p>



<p class="wp-block-paragraph"><i>¹Average hourly rate of $391.00 is based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2021).</i></p>



<p class="wp-block-paragraph"><i>²When using a network attorney for a covered matter.</i></p>



<p class="wp-block-paragraph"><i>³CARAVAN survey conducted by ENGINE on behalf of MetLife Legal Plans, January 2020.</i></p>



<p class="wp-block-paragraph"><i>Legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Some services not available in all states. Please see your plan description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. ©2022. MetLife Services and Solutions, LLC, MetLife Legal Plans, Inc., 1111 Superior Avenue, Suite 800, Cleveland, OH 44114</i></p>



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		<title>FEDVIP Dental Coverage Helps Keep You Healthy</title>
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		<pubDate>Tue, 24 Nov 2020 18:34:52 +0000</pubDate>
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					<description><![CDATA[As a federal employee or federal retiree, you take pride in your commitment to your country and serving others – but it’s important to take care of yourself, too. That starts with your own health and well-being, including your oral health. FEDVIP Dental Coverage can help ensure that you take care of your teeth and [&#8230;]]]></description>
		
		
		
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<p class="wp-block-paragraph">As a federal employee or federal retiree, you take pride in your commitment to your country and serving others – but it’s important to take care of yourself, too. That starts with your own health and well-being, including your oral health. FEDVIP Dental Coverage can help ensure that you take care of your teeth and gums, which can, in turn, promote overall wellness.</p>



<p class="wp-block-paragraph"><b>Common misconceptions about dental care</b></p>



<p class="wp-block-paragraph">Unfortunately, many Americans put off dental procedures for a variety of reasons. For many, affordability is one of the biggest worries in putting off dental procedures. According to the American Dental Association (ADA), the top three reasons people skip the dentist are:</p>



<p class="wp-block-paragraph">1. The cost (40%)¹</p>



<p class="wp-block-paragraph">2. They don’t think they need dental care (33%)¹</p>



<p class="wp-block-paragraph">3. They don’t have the time (14%).¹</p>



<p class="wp-block-paragraph">All three of these reasons have in common that people often don’t prioritize or think it’s worth investing time or money into their own dental care. It could be that they’re so focused on serving others that they put themselves last, or that they simply aren’t aware that there are ways to save on dental expenses and make routine care affordable.</p>



<p class="wp-block-paragraph"><b>Understanding the upsides of dental coverage</b></p>



<p class="wp-block-paragraph">Yet, there are many surprising benefits to maintaining your oral health, especially as you get older. Think of it this way: staying healthy to continue doing what you love — being there for others and serving your community and country — is one of your highest duties. Taking care of your oral health plays a more significant role in your overall wellness than you might think.</p>



<p class="wp-block-paragraph">In fact, in many ways, oral health is the gateway to your body’s overall health. Here’s why:</p>



<p class="wp-block-paragraph">• Between eating, drinking and breathing, your mouth leads to your digestive and respiratory systems, so it’s essential to make sure your mouth is doing its job of keeping harmful bacteria in check.²</p>



<p class="wp-block-paragraph">• Taking good care of your teeth and gums is crucial as research indicates that gum inflammation or infection may be linked to heart disease like endocarditis, clogged arteries and other conditions.²</p>



<p class="wp-block-paragraph">• Regular dental checkups are crucial not just for clean teeth, but because sometimes dentists are the ones who recognize the warning signs of other conditions. Pain, bleeding, loose teeth or sore gums are sometimes symptoms of other more serious diseases. It’s not a stretch to say that a thorough dental visit and chat with your dentist could even help save your life.²</p>


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<p class="wp-block-paragraph"><b>A strong dental plan can keep you healthy</b></p>



<p class="wp-block-paragraph">If costs are indeed a barrier to keeping up with dental appointments, the good news is that there are plenty of FEDVIP dental plans that can help you lower your out-of-pocket expenses. Look into plans that typically cover most or all of the routine and preventative care. That way, you won’t put off going to the dentist simply because money is tight. Staying on top of regular care and routine cleanings can save money (not to mention help you avoid painful procedures) in the long run.</p>



<p class="wp-block-paragraph">• For an affordable monthly premium, typical dental benefits allow for free dental checkups, X-rays, and cleanings (subject to frequency limitations) – all of which can keep your teeth and gums in tip-top shape.³</p>



<p class="wp-block-paragraph">• If you do need dental work, having good dental benefits can significantly reduce the cost, which is why you don’t want to skimp on your policy. Depending on your plan, benefits can cover a large percentage of expensive procedures such as fillings, root canals, crowns, or oral surgery. The savings on just one procedure could potentially be worth as much as your yearly premiums.</p>



<p class="wp-block-paragraph">• Having a robust national network of great dentists and reliable coverage with no waiting periods provides access to care when you need it, even if you relocate to another state.</p>



<p class="wp-block-paragraph">Learn more about how MetLife’s dental benefits for federal employees, retirees and military retirees may be able to serve you. For more information, go to <a href="http://metlife.com/FEDVIP-Dental" target=_blank>MetLife.com/FEDVIP-Dental</a>.</p>



<p class="wp-block-paragraph"><i>Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for costs and complete details. Subject to frequency limitations.</i></p>



<p class="wp-block-paragraph">_________________________________________________________________________________________________</p>



<p class="wp-block-paragraph"><i>Sources:</i></p>



<p class="wp-block-paragraph"><i>1.</i><a href="https://www.ada.org/~/media/ADA/Science%20and%20Research/HPI/Files/HPIBrief_1114_1.ashx" target=_blank><i>https://www.ada.org/~/media/ADA/Science%20and%20Research/HPI/Files/HPIBrief_1114_1.ashx</i></a><i> (page 3) Accessed October 2, 2020.</i></p>



<p class="wp-block-paragraph"><i>2. </i><a href="https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/dental/art-20047475" target=_blank><i>https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/dental/art-20047475</i></a><i> Accessed October 2, 2020.</i></p>



<p class="wp-block-paragraph"><i>3. Subject to frequency limitations.</i></p>
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