Why people should have a PrePaid Legal Plan?
Mark H asked:
I have seen a lot of people rip on PrePaid Legal and say that it is a scam. I am an associate for PrePaid Legal, but even if I wasn’t, I would say those people are wrong! It is not a scam! I have saved THOUSANDS of dollars with only a few matters with my provider lawfirm.
I have seen a lot of people rip on PrePaid Legal and say that it is a scam. I am an associate for PrePaid Legal, but even if I wasn’t, I would say those people are wrong! It is not a scam! I have saved THOUSANDS of dollars with only a few matters with my provider lawfirm.
1. I have used my provider law firm prepare my will for me and my family. It would have cost me $700 locally to have it done by an attorney in my town.
2. I got a speeding ticket, and my attorney law firm got it reduced to a “illegal turn” citation. No points, and 1/2 of the fine. My city is not known for reducing fines. Savings of about $1,500 in three years for insurance rates increase.
3. They reviewed my business documents at no charge, and now I don’t sign anything without them looking at contracts. This is HUGE!
4. A furniture store refused to clean my sofas with their “protection” plan. I called the law firm, and the cleaners came out the next day.
I just want to know some don’t like PPLSI.
1. I can do my own will, it will cost me next to nothing. I don’t need a lawyer to do this.
2. I don’t speed at all. I have gotten one ticket in all my years of driving. It cost $200 and I’ll never do it again.
3. I don’t have a business, thus not needing this at all.
4. I do know how to use my mouth and small claims court to get local stores to do what I’ve paid for.
I have a plan and use it. I don’t understand all the bad things people say. They are wrong.
I’m going to pretend that this isn’t just SPAM and say:
Sure, sign up for a pre-paid legal plan if you have frequent traffic tickets or consumer complaints. But these plans are a lot like gym memberships. Many people pay for them and never use them, just tossing money down the drain.
Prepaid legal plans also do not provide much coverage to you for more complex matters. I have had many people come to my office with problems and show me a letter written by their “provider”. At the end of the letter, the attorney states that any questions or followup should be addressed to the client! This is because the plan only covers one letter, not the whole problem. If you want the provider to do more than the plan provides, you have to pay the going rate for it.
It’s a very limited form of insurance. As with any insurance, buyers should determine whether the benefits they will receive are likely to outweigh the cost.
Here’s the deal: My company has offered PrePaid Legal for years. Without exception, every employee I know who has tried to use it has received ZERO help. There always seems to be a need for a fee before PPL can help because of the complexity of the situation.
Currently, it’s been four years since anyone has bothered to use this “benefit” and HR plans on dropping it next year since it isn’t being used, not to mention the complaints.
Plus, pardon my candor, but you admit to working for PPL…can you blame me if I doubt the veracity of your claims?