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If you are a member of a pre-paid access plan and are not getting the legal services you think you need, then it is probably time to upgrade to a more comprehensive plan.

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It is not uncommon to see the terms “legal plans” and “pre-paid legal services” used interchangeably. While they share a lot of characteristics in common, there are a number of differences you should be aware of.

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A properly developed group legal insurance plan can be the perfect complement to any employer’s work life initiative. Considering that many employees are nowadays increasingly swayed by benefit options when making career decisions, Legal insurance is a viable product for many employers.

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Legal advice for small businesses does not have to be expensive. With pre-paid legal plans, a wide array of legal services designed specifically to cater for the needs of small businesses is available for a set yearly fee ranging from $125 to $300.

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Many people believe they need the services of a lawyer, under a pre-paid legal service scheme, to solve a legal problem or resolve an intricate situation. Often, your lawyer’s most valuable help could be before you get involved in legal trouble.

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Benefit 3: Fixed Fees

This is just a sample rundown of what might influence the various fees charged by lawyers, other factors and arrangements can apply too. Contrast this with the simplicity in which pre-paid legal services are priced and furnished. The process is simple and straightforward: you sign an agreement to pay a fixed monthly fee and that’s about it. If what you’re looking for is not covered, your plan provider will give you a prior notice of a different billing so that you know exactly how much you will be charged.

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Pre-paid legal services can be a very attractive alternative to hiring a lawyer for many people. You should consider the importance and relative priority of these benefits in light of your own legal needs. So what are the benefits going pre-paid compared to conventional hire of lawyers?

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Drafting of wills: A will is a written document that regulates how you want your property distributed after your death. Your attorney will draft your will according to your state’s laws so that it’s valid when you die. He will also advise you on any provisions you might want to consider, such as appointing a guardian and establishing a trust.

Discount on regular fees: Any additional services not covered in the written fee agreement will be at regular fees – either hourly or flat – with a discount between 20 to 30%. These services generally include family matters, such as divorce and the custody of children, and court representation, such as traffic tickets and lawsuits.

Some of the legal paperwork you need to read carefully, agree on and sign include the following:

Written fee agreement: This is an agreement that outlines what services are provided in the plan, how much it costs and the methods of payment.

Grievance procedure: This document details the procedures that will be taken by the provide to resolve any complaints about attorneys or disputes regarding service fees.

Are you enrolled in a pre-paid legal plan and worried your provider is simply tallying up your tab for a service you’ll never get to use? Read on as we explain the chances of using pre-paid legal services in legal challenges you may be faced with.

In their lifetime, people are most likely to use legal services that fall into four categories: civil defence, civil plaintiffs, criminal defence and legal help that involves a variety of transactional or business law.

Your liability insurances already covers you for the legal pertaining to civil defence. Your insurer hires the lawyer who will defend you and have every incentive to defend your well since they are the ones who bear your legal costs irrespective of the final outcome. In that respect, you already have “pre-paid legal coverage” in place and a legal plan wouldn’t add much to the coverage.

Civil plaintiff attorneys in the Unites States work on a “no win no fee” basis. This means that they will not charge you unless they win you damages in an insurance claim or lawsuit against someone who caused you physical injury. Their contingency fees are calculated as a “commission” on any  money won, so there is every incentive for your plaintiff lawyer to defend you and defend you well: the more you win, the more he wins. There is no need to pre-pay for a service where you stand to lose nothing, and where advice is readily available to you from plaintiff lawyers eager to work on your case.

On the rare occasion you need to bring criminal charges if you’re involved in a serious accident or defend yourself against criminal charges brought against you, lining up a lawyer to represent you in advance is not the best of decisions. In these situations, client-lawyer rapport is crucial: you need someone whom you trust, build a rapport with and competent enough to defend you in a court of law. You rarely get the chance to talk to your attorney face-to-face in a pre-paid legal plan, and most of the attorneys in the network do not do criminal defence work.

Transactional and business law is the area where you will most probably find pre-paid legal services most effective. If you frequently need to someone to draft your wills, review simple contracts and set up advance health-directives or simply want competent legal advice at your disposal, then going pre-paid will save you the trouble of searching for an attorney and paying “a la carte”. 

They say the best things in life are free. In the case of pre-paid legal plans, this may just hold true.

Pre-paid legal plans offer a range of legal services on-call for a fixed monthly charge of up to $25 per month. With such a low monthly payment, most people are only too happy to get a legal coverage they wouldn’t have otherwise dreamt of in the stultifying, money-grabbing world of lawyers… But did you know, you could get all of that coverage free of charge?

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