The short answer is that, if an employee has coverage and needs legal representation, they will almost certainly answer with a resounding “yes”. Having access to a group legal plan can provide employees with high-quality, cost-effective legal coverage that can give them peace of mind and the peace of mind that comes with it. 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. If you're looking for the option that offers your employees the most comprehensive coverage and covers most legal issues, you'll want to opt for a legal insurance plan. However, the statutory insurance plans themselves vary widely in terms of what is offered. Many employers offer legal insurance, which covers your legal costs when needed, for a low monthly fee.
A legal insurance plan will help your employees manage their legal issues faster and with less stress, making them more productive and happy at work. Since most people only turn to a lawyer a few times in their lifetime, a prepaid legal services plan could be insurance you can do without. In conclusion, group legal plans can be worth it if an employee needs legal representation or wants peace of mind. The best plans offer comprehensive coverage and are tailored to meet the needs of each individual employee. However, if an employee only needs legal services occasionally, they may be better off without a prepaid legal services plan.
