The short answer is that, if an employee has coverage and needs legal representation, they will almost certainly answer with a resounding “yes”. Having a group legal plan in place provides peace of mind and assurance that employees will have access to high-quality, cost-effective legal coverage when needed. Legal Resources offers members access to lawyers from their network for a fraction of the average out-of-pocket cost to obtain legal representation. However, most low-cost plans only cover a few phone consultations, brief office visits, and some simple services, such as preparing a simple will or reviewing basic legal documents.
Beyond that, members get a discount for other types of legal services, but the resulting fee isn't usually much lower than what you might be able to negotiate if you were shopping on your own. The best and most expensive plans fully cover specific legal services, such as divorce, bankruptcy, and drunk driving defense. To avoid obvious conflicts of interest, the best plans don't allow lawyers who offer consultations under the plan to refer cases to themselves. I currently have a group legal plan and it has paid off. However, it can be difficult to find a lawyer to handle your case, especially if it's complicated. This is because of the fixed price lawyers agree to with insurance.
I used it for my bankruptcy and the lawyer I used when opening the email representation for an adverse proceeding was included. Unfortunately, he immediately stated that he had no experience with them and refused to represent me for that reason. I have only found a lawyer willing to accept the case, but he is not willing to do any work for it. He told me that I have no chance of winning and that I must reach an agreement. I have spoken to a lot of lawyers and he is the only one who has this opinion. As an expert in the field of legal services, I can confidently say that having a group legal plan in place is worth it.
It provides peace of mind and assurance that employees will have access to high-quality, cost-effective legal coverage when needed. However, it is important to note that most low-cost plans only cover a few phone consultations, brief office visits, and some simple services. The best and most expensive plans fully cover specific legal services such as divorce, bankruptcy, and drunk driving defense. For those who only turn to a lawyer a few times in their lives, prepaid legal services plans could be insurance you can do without. Many people compare prepaid legal services to health insurance with the idea that you are paying for something that will be available if you ever need it.
However, investing in your emergency fund is much better than paying for prepaid legal services that you may never use.