- How much will an insured legal insurance plan cost our employee? About $20 monthly, including their covered dependents.
- Is this a discount legal plan? No, it provides comprehensive legal services with most legal services fully covered. This includes full courtroom representation for many legal issues.
- Must the employee use” network” attorneys? No; however to maximize benefits and avoid use of claim forms, it’s optimal to use an in network attorney.
- Do these plans provide consultations in the attorney’s office and representation in court? For most issues, yes
- How do we know if the ” network” attorneys are competent? The legal plan carefully screens attorneys. The plan also maintains strict quality standards for an attorney to remain in the network.
- Why should we offer a plan like this to our employees? Employees who deal with legal issues without on their own are more stressed, resulting in more absenteeism and turnover. Overly stressed employees are also more likely to make errors and have work accidents. They also typically lose time from work, incur more disease and mental health insurance claims. Employees are also less proactive with many legal matters such as wills, powers of attorney, home remodeling contracts, etc.
- Why can’t an employee just call an attorney directly without a plan like this? Employees are reluctant to call an attorney because hourly fees average over $200. With an insured plan they are more likely to deal with a potential legal issue early on and minimize or eliminate its impact. Employees with a plan are more likely to get wills properly drawn and updated, including living wills and durable powers of attorney.
- Our company has an EAP plan that provides legal services for our employees; isn’t that enough? EAP plans rarely provide legal representation in court for any matter, unlike plans we offer. In addition, EAP legal services typically only provide an abbreviated phone consultation versus in person legal consultation with a plan attorney. Many legal issues are complicated and deserve more in depth consultations.
- We already have an employee benefit broker. Why not just ask them to help with these benefits? Because this is a complex benefit with many variables that is best handled by a specialist.
- If you have questions or want a no cost proposal, call us at 772-321-6788 from 9 am to 7 pm EST.
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