Prepaid legal systems have been around for more than four decades and millions have joined these programs and benefited from it. Yet the majority of folks out there don’t have a clue of what these are. The fact is around seventy percent of households were in a situation where they needed some legal advice or service. These folks were not able to exercise their rights because they were not able to afford even the initial lawyer consultation. Let’s get a closer look at these promising prepaid legal systems that has the capacity to solve this problem.
Prepaid legal system is similar to your health insurance plans, you prepay a preset membership fee and you get access to a preset plan benefits. This is typically offered for groups of employees or unions. The employer deducts the cost from the payroll like how they do for the health insurance. There are many plans open for public membership. You should understand that access to legal system is your birth right. The legal system is a complex beast which has gotten to that complexity due to the abuse it took over years. Every hole that was exploited needed to be plugged and the complexity increased multifold. It is this complexity that makes it hard to know what rights you can exercise, what forms to use to resolve problems. This is where these prepaid systems excel.
There are tons of different plans offered by these prepaid legal plans. These plans could cover as little or as much based on where you live and who lives around you. Puzzled, you should be. The plans are based on the lawyers of each locality. The number of specialized services offered is directly proportional to the capability of the lawyers who have signed up in your locality. Hence it is absolutely mandatory that you evaluate the experts you get access to, if you join the plan. These are typically monthly payment with a yearly commitment or sometimes with a money back timeframe. What these plans offer is peace of mind for some but for some this is an unnecessary expense. If you are in a job prone to frivolous cases and prone to consumer complaints this is going to be very useful. Or if you are in heady waters in a troubled relationship then chances are you may need cheap access to initial lawyer consultation now and then.
There is always the other side of the coin, sometimes it happens that these services offer absolutely no to minimal support for specific cases. It is highly important that you exercise your probability knowledge in here to evaluate if you need to signup for these plans. I have seen a lot of complaints in the Internet where people feel they have wasted their money by subscribing to these services. Well think about the car insurance plans you have. How many times have you gotten back what you have paid, it is the probability that keeps a very huge industry alive and well. Atleast I am in the camp for now who is happy that I have not asked for money back from the car insurance companies :-). I know of a friend who lived happily with nothing to worry and then one day he bought into a scam through eBay now he is finding all means to get a refund of the thousand dollars he paid the scammer. He is now a person thinking about how to get justice and his money back. These services provide you the much needed initial consultation and give some good discounts for access to lawyers.
I think this article would have given a good start to understanding the prepaid legal systems. And I hope you would start evaluating whether these systems suit your lifestyle and decide if it is a necessary “legal insurance”.