Pre-paid legal services can be a very attractive alternative to hiring a
lawyer for many people. You should consider the importance and relative
priority of these benefits in light of your own legal needs.
So what are the benefits going pre-paid compared to conventional hire of
Benefit Number 1: Cost-Effective
Pre-paid legal plans can take the sting out of hiring a lawyer. Lawyers’
fees are prohibitive for most people: you can run bills of thousands of
dollars and this is simply out of reach of most working and middle-class
With pre-paid plans, what you get charged is more in line with what you
pay for your health or home insurance. Plans start as low as $9 per month
and typically don’t exceed the $30 mark.
Benefit Number 2: Simplicity
There is a number of very complicated set of fees lawyers charge:
contingency fees, flat fees, statutory fees and hourly rates. In the case
of contingency and statutory fees, you have to get into the intricate
details of how these fees are computed – say for a contingency fee how
much is the lawyer’s commission? – and their regulatory nature – who
regulates the statutory fee and how do I know if these fees are in line
with regulatory guidelines?-.
The other two types of fees can be equally as complex. Increasingly,
attorneys choose to incorporate any overheads they incur, like secretarial
expenses, parking charges and travel fees into their flat and hourly fees.
They can also set a minimum number of billing units, like three tenths of
an hour (18 minutes), irrespective of how long it takes them to deal with
This is just a sample rundown of what might influence the various fees
charged by lawyers, other factors and arrangements can apply too. Contrast
this with the simplicity in which pre-paid legal services are priced and
furnished. The process is simple and straightforward: you sign an agreement
to pay a fixed monthly fee and that’s about it. If what you’re looking for
is not covered, your plan provider will give you a prior notice of a
different billing so that you know exactly how much you will be charged.
Benefit Number 4: Pre-emptive Law
Pre-paid plans offer unlimited phone consultation and advice. This aspect
of the service can save you a lot of trouble, money and time in the
future. Most legal problems you are likely to face in your day-to-day life
can be solved if you take the necessary steps in line with the law. With
the right advice and consultation with your lawyer, you can detect legal
blunders before they occur and hence minimize the risk of litigation and
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