Are you looking for ways to save money on legal services? Companies like LegalShield offer exclusive discounts to members that you won't find anywhere else. But prepaid legal plans may not be the best way to cut costs. A prepaid legal services plan is a type of insurance plan offered by several companies through employers, unions, credit unions, department stores, credit card companies, and even door-to-door. The concept is that buying legal services in bulk can be more affordable than paying for them individually.
The annual fee is usually a couple of hundred dollars and is intended to cover a variety of legal tasks. With LegalShield, you can get the legal help you need at a fraction of the usual cost. The plan covers you, your spouse or domestic partner, children living at home, and single dependents up to age 21 (or 23 if they attend school and attend 12 hours of school). Guardianship is covered up to age 18 and disabled children living in the home are covered at any age. The prepaid legal plan allows you to schedule an unlimited number of 30-minute phone consultations with an attorney.
Since most people only turn to a lawyer a few times in their lifetime, a prepaid legal services plan may not be necessary. Be sure to read the specific details on terms, coverage, prices, conditions and exclusions in the Personal Legal Plans or Small Business Legal Plans sections of this website.