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Old 03-03-09, 11:18 AM
Janine's Avatar
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Default Prepaid Legal

Does anyone else have prepaid legal? Have you ever used it? Do you think it's a good idea?

I have had a it a little over a year. I had it at a previous job a few years ago too. However, we tried to use it last week to talk to a lawyer about an issue and it wasn't covered under the really good rate so we were only going to get 25% off plus we were going to have to pay a $1500 retainer just to sit down and talk with them.
It's happened to me in the past too. When I got divorced I got the same deal. I did actually get a decent deal on my bankruptcy, but I probably could have found the saem deal just calling around.
I've been keeping it because it is only $15/mo and I am always worried that at some point we may need to go back to court over custody of one of our children. But Dh was so frustrated yesterday he started digging on their website and found all kinds of exclusions to keep them from giving you the rate they hook you with in the sales pitch. At this point we are not even sure it would be worth it to have them represent us when we sue the place where I broke my ankle.
Has anyone ever had a good experience with them or am I just wasting $15/mo?
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Old 03-03-09, 01:26 PM
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I'm embarrassed to say I don't even know what that is.
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Old 03-03-09, 04:23 PM
Janine's Avatar
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A lot of places here offer it as part of thier benefits package. Basically you pay in every month and if ever need legal help they are supposed to cover it for you or at leats give you a really good rate. What we are findign is that 25 % off their ridiculously expensive lawyers isn't that great a deal when we could just look in teh yellow pages and find a lawyer that charges a reasonable hourly fee to begin with.
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Thank you Janine!
brandimichelle (03-03-09)
 
Old 03-03-09, 06:23 PM
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Thanks for the explanation... I didn't even know what it was.
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Old 03-03-09, 08:04 PM
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I didnt know what it was either. I cant believe the place you broke your ankle isnt giving you a settlement. Why wouldnt they just wanna settle out of court?
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