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How to File Claims
Rules regarding claims depend on whether you receive your services in- or out-of-network, as shown below:
Source of Benefits
Claims Process
In-Network Benefits
You do not need to file a claim form.
Out-of-Network Benefits
Contact MetLife Legal Plans, the claims administrator, to obtain an out-of-network claim form and case number. (See contact information below under "Where to Submit Claims.")
To have your claim considered for benefits, you need to file your claim by December 31 of the year following the year in which services were provided. If you fail to meet this deadline, your claim will be denied. Be sure to attach itemized bills or receipts to your claim form, and keep copies for your records. Separate claim forms must be submitted for each covered family member for whom a claim is made. Your claim will be processed within 15 business days of receipt by the claims administrator.