We all come across many situations where a lawyer is necessary. According to ARAG, 70% of Americans had a legal matter in the past year. Some common situations include:
- Buying a home and personal finances
- Driver license issues and traffic tickets
- Accident representations
- Adopting and having children
- Divorce, custody, and visitation issues
In a divorce case, many professional services may be needed such as a realtor, financial advisor, accountant, and counseling. Hiring all of these out-of-pocket would cause a large expense.
Handling legal issues on your own can be very difficult, stressful, time-consuming and expensive; legal insurance takes much of this burden away. Legal insurance offers professional legal services, a network of attorneys, estate planning document preparation, and financial counseling to assist in your legal situations. People who used an attorney through a legal plan reported peace of mind, said it was easier to resolve the issue, spent less time and money, and had a positive outcome.
Many plans offer a range of benefits that also include:
- Will preparation
- Telephone and face-to-face consultations and advice
- Reviews of contracts and other documents
- Legal letters and telephone calls on your behalf
- Advice on small claims court and government programs
Legal insurance is an insurance policy in which you pay on a monthly or annual basis. This can be paid through your employer’s plan or as an individual plan. If you need legal assistance, the insurance company will provide a list of attorneys for you. The insurance company selects the attorneys based on the type of law they practice. Legal insurance also covers some of the legal costs. Different plans offer different services, so make sure the legal plan is right for you. Some plans are specialized and you want them to be specializing in your area of need. Plans may also have a waiting period, which could be a factor in choosing a plan to fit your needs.
According to the American Bar Association, more than 37% of employees will face legal problems at some point, but fewer than 10% will consult an attorney. Make sure you get the consulting you need with legal insurance.