1. Appeals, class actions, interventions, amicus curiae filings or derivative actions; agricultural, commercial or business transactions (including transactions involving rental property); matters related to admiralty, patent, trademark or copyright law; tax return preparation; unemployment compensation or workers compensation matters
2. Any matter which would otherwise be covered if it involves your employer or any of its affiliates as an adverse party; any employee benefit or benefit plan established by your employer; any employment related matters; or any matter involving MetLife Legal Plans, Metropolitan Life Insurance Company or either of its Affiliates, or any Plan Attorney as an adverse party.
3. Any matter for which you retained an attorney prior to being enrolled in the Plan.
4. Any matter for which you retained an attorney before calling MetLife Legal Plans' Client Service Center.
5. Any matter arising outside the United States, its territories or possessions.
6. Amount due third parties, such as: court costs; filing fees; fines; judgements; witness fees; penalties; orders of restitution ordered by any court.

For all other personal legal matters, an advice or consultation benefit is provided. Additional representation is also included for certain matters. Please see your Plan description for details. If a matter involves a participating employee and a covered dependent as an adversary, coverage will be provided for the participating employee only.

There is no obligation to provide legal services benefits in any matter deemed to be frivolous, harassing, or in contravention of the rules of ethical conduct governing attorneys.