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Call or Email Us today to learn about your legal rights!Legal Service Plans:A Valuable Employee BenefitWhat Is the Hottest Employee Benefit In The Marketplace Today ? Legal Service Plans.... By Quincy Southers and Terrance Walker  W hat is the the most important and fastest growing employee benefit? Many employee benefit analysts believe it is prepaid legal insurance. Approximately 80% of Americans do not have legal coverage. The upper 10% of the income earners can afford legal council and attorneys. The lower 10% of the income earners and the poor generally have the government legal services programs to use, such as Legal Aid Societies. The remaining 80% of Americans have to pay legal fees and expenses, mostly out of their own pockets and generally only after the situation becomes a crisis. Those individuals who pay for legal fees themselves usually do not have the discretionary income required for a retainer, regardless of the amount requested. The few that can manage to pay the fees required for the retainer have waited until their legal problem became a crisis, which can further escalate legal costs. When their decision to choose legal representation is finally made, they find themselves faced with other perplexing questions: How much should the attorney cost? How do I know I have a qualified attorney? Absenteeism ReductionAbsenteeism ReductionStudies have shown thus far that employers suffer losses when employees take time off from work to handle their legal problems. Worker productivity decreases when their attention or concentration is on their legal situation rather then their job. According to a recent LSK Associates Study,1985, almost half the employees who take time off from work do so to deal with problems that are either legal or legal-related. Employee with' legal problems have an absenteeism rate five times higher than their other coworkers. They use their medical insurance four times more often, along with their sick leave. Employees do not perform well when troubled or under stress or distracted. They take any measure available to them to find the time to handle their legal situations. Common legal problems which employees may experience include: · signing documents · having a will · having an updated will · having an IRS audit · traffic tickets · correcting mistakes on credit reports · disputes with venders or contractors (warranty work, repairs on home, computer, or car) According to congressional hearings, average income Americans without legal counsel were the main targets for IRS audits. When situations such as the examples above are resolved, the results have a direct positive impact on employers' bottom lines because of increased productivity, lower health insurance rates because of less usage, and happier, more focused employees. Many companies are scrambling to find ways to solve this costly problem. Prepaid Legal Services: A SolutionThe answer for companies is to provide prepaid legal services and to let your employees have peace of mind knowing that they have legal representation for any legal situation that may arise. When a legal situation comes up, they will have an attorney to answer all legal questions and to give them help when needed. This benefit more than pays for itself when productivity and morale increases. There are three ways companies usually permit their employees to participate in a prepaid legal program. The first way is as a fringe benefit, where the employer pays the premium and deducts it as an expense. Many forward looking companies know how important this benefit is for themselves and their workers and choose to establish and pay for the plan as a benefit. Employers believe this benefit will become just as important as health insurance for the health and well being of their employees. The second way is to allow your employees to deduct the premium from payroll to be sent to the carrier. The only real cost is the time spent for the collecting premiums and sending them in to the provider firm. The third way is to allow your employees to pay their premium through their own checking account. A few insurers will allow this options for industries that have high turnover rates or independent salespeople. Most insurers will give all three categories a discounted group rate. The average group rate varies from $ 9 to $ 25 per month, depending on the benefit provided. OHIO: Ohio Access to Justice California ARIZONA Pre-Paid Legal membership you can access quality legal services for less than a dollar a day. It is important to know and exercise your rights! But, if you don’t know your rights...you don’t have any! Call your Independent Associate for more information: Pre-Paid Legal Services, Inc., and subsidiaries Your Name Contact Information You have many rights as an With a PRE-PAID LEGAL benefit package, you can be confident your employee’s legal problems will be handled quickly by a quality attorney firm with her interests at heart. PRE-PAID LEGAL’S position as one of America’s pioneers in legal service plans allows us to provide access to the legal system at a reasonable cost while providing outstanding service. This low-cost plan is designed to decrease absenteeism and raise employee morale. Help your employees keep their legal questions from becoming legal problems. Keep them on the job and on the ball. Your Name • Independent Associate • Contact Information Serving America’s families since 1972 Corporate Offices: One Pre-Paid Way • Ada, OK 74821 • 1-580-436-1234 • Visit our Web site at www.prepaidlegal.com PRE-PAID LEGAL SERVICES, INC., AND SUBSIDIARIES When your valued employee has a legal problem, will you be able to assure her that she’s covered? Place Picture Here Place Picture Here It’s To Your If you answer “YES” to two or more of the following questions, you can benefit from a Pre-Paid Legal Services, Inc.,and subsidiaries legal plan! Have you ever . . . . . . . thought about writing or revising your Will? . . . . purchased a home? . . . . had an income tax question? . . . . needed advice on community property laws? . . . . purchased a defective product and been ignored by the manufacturer? . . . . paid a bill you knew was unfair? . . . . been involved in a property dispute? . . . . received a moving traffic violation you thought was unjustified? . . . . been a defendant in a civil lawsuit? . . . . been involved in a separation or divorce? . . . . had a problem with child support or visitation rights? . . . . signed a legally binding document and been sorry later? . . . . wanted advice on a credit matter? . . . . worried about being audited by the IRS? . . . . had difficulty collecting an insurance claim? . . . . signed a lease you’d like to change? . . . . had questions about your civil rights? . . . . signed an escrow agreement and wished you’d had legal advice? . . . . needed assistance in dealing with the purchase of a new or used car? . . . . had questions about the legality of tax shelters? . . . . wanted to know about guardianship responsibilities for your children? . . . . had a question about your consumer rights? With no obligation on your part, we can show you how over one million people have access to a lawyer for less than the cost of a cup of coffee a day. For more information, call: Your Name, Independent Associate Benefit Q. A. A Pre-Paid Legal Services, Inc.,and subsidiaries membership gives you the ability to access professional legal services at a fraction of the usual cost. We also take away the worry and frustration of locating a lawyer who can help, no matter what the problem. Legal services if you’re sued! What’s as important as medical insurance if you’re sick? To find out more about our service, call your Independent Associate today: YOUR NAME YOUR PHONE NUMBER When you need a lawyer, you’ll be really glad you have one! Any time you have a legal problem or question, you can have access to a quality law firm through a Pre-Paid Legal membership. Now the services of a capable lawyer and preventive legal care are just a phone call away! Skeptical? Call us now and find out more! Your Name • Independent Associate • Your Number With a Pre-Paid Legal Services, Inc.,and subsidiaries membership, we can help ease some of those worries. As a part of the membership, you have access to quality lawyers for legal advice and services. For more information contact: Your Name Independent Associate Contact Information What do you get when you’re a member of Pre-Paid Legal? Con!dence in your daily decisions. Peace of mind with your personal a"airs. Security for your family. Protection of your legal rights. Advice from courteous and concerned attorneys. Answers to your questions. Call today for more information on how to access the legal system! Your Name Independent Associate Contact Information PRE-PAID LEGAL SERVICES, INC., AND SUBSIDIARIES #1 You have many rights as an American citizen today. Pre-Paid Legal can show you how to protect your legal rights at a low cost. With Pre-Paid Legal, you can prepay your most common legal needs, much like you prepay your medical needs. It is important to know and exercise your legal rights as an American citizen. Call (Your Name), Independent Associate, at (Phone Number). #2 What can you buy for less than a dollar a day? Maybe a newspaper or cup of coffee? What about an entire day’s worth of legal rights protection? With a Pre-Paid Legal membership, our members have access to a nationwide network of quality attorneys. Call your local Independent Associate today for more details. (Your Name) at (Phone Number). #3 With a Pre-Paid Legal membership, you won’t worry about the cost of legal help because our membership helps you pay for the legal services you need most. It’s the sensible way to handle your legal matters. Shouldn’t you know more? Call (Your Name), Independent Associate, at (Phone Number). #4 Do your daily decisions leave you worried and frustrated? With a Pre-Paid Legal membership, we can help ease some of those worries. As a part of the membership, you have access to quality lawyers for legal advice and services. Call your local Independent Associate today. (Your Name) at (Phone Number). #5 What do you get when you’re a Pre-Paid Legal member? Confidence in your daily decisions. Peace of mind with your personal affairs. Security for your family. Protection of your legal rights. Advice from courteous and concerned attorneys. Answers to your questions. Because if it’s a Pre-Paid Legal product- it works! Call (Your Name), Independent Associate, at (Phone Number). #6 What’s worse than needing legal help? Not having access to it! Our Pre-Paid Legal membership helps you prepay for the legal services you need most. For more information contact your local Independent Associate today! (Your Name) at (Phone Number). #7 No matter what kind of legal situation you face you can depend on your Pre-Paid Legal membership to save you money and worry. No other legal service plan available today is more comprehensive than a Pre-Paid Legal membership. Call your Independent Associate, (Your Name) at (Phone Number) for more information. #8 When you need a lawyer, you’ll be really glad you have one. Any time you have a legal problem or question, you can have access to a quality law firm. With a Pre-Paid Legal membership, the services of a capable attorney are just a phone call away! Skeptical? Call us now and find out more! (Your Name), Independent Associate, at (Phone Number). Membership Advertisements Important Note: The verbiage in the following advertisements are designed to be utilized in newspapers, flyers, magazines, newsletters, radio, etc. #9 Paying full price for a lawyer is like throwing money down the drain. With Pre-Paid Legal, having access to an experienced lawyer is no longer a financial decision. Call for more information on how to access the legal system through our low cost legal plan. (Your Name), Independent Associate, at (Phone Number). #10 There’s no substitute for good legal counsel, especially today. Legal situations and questions pop up without notice. Any one of them could become a serious problem. Pre-Paid Legal helps you prepay for the legal help you are likely to need most. Because when you’re facing a legal problem, no other legal service plan available today gives you more legal rights protection than a Pre-Paid Legal membership. See for yourself! Call (Your Name), Independent Associate, at (Phone Number) today! #11 You’re never alone. Finding a lawyer can be difficult. Obtaining a reliable one can be costly. With a Pre-Paid Legal membership, our nationwide network of accomplished attorneys are just a phone call away. What are you waiting for? Have convenient, accessible legal services today! Call (Your Name), Independent Associate, at (Phone Number). #12 If you have teenage drivers…if you own property…if you buy with credit…if you deal with contract laborers or rent your home…you need Pre-Paid Legal. Protect the legal right of yourself and your family the easy, inexpensive way with a Pre-Paid Legal membership. As a Pre-Paid Legal member, you get the attention you deserve! Put a Pre-Paid Legal membership to work for you today! Call (Your Name), Independent Associate, at (Phone Number). #13 If you faced a legal situation today, could you come up with enough money to pay an attorney for representation? How easy would it be to replace those funds? Legal coverage provides security and peace of mind for you and your family. You hope you never have to use it, but when you do, you will be glad it’s there. Put the 30 plus years of experience of Pre-Paid Legal to work for you today. Call (Your Name), Independent Associate, at (Phone Number). #14 Which is worth more to you? A cup of coffee or peace of mind knowing you have access to a lawyer when you need one. To learn more on how to access the legal system with a Pre-Paid Legal membership for a low monthly cost call your local Independent Associate today! (Your Name) at (Phone Number). #15 Everybody needs people they can rely on. People they can trust. People who will be there in a pinch - with no excuses. People who are dependable, who will stand by you. People who keep their promises. For trustworthy, reliable legal help, try Pre-Paid Legal. Because at Pre-Paid Legal, it’s not your problem, it’s our problem. Call (Your Name), Independent Associate, at (Phone Number). #16 It’s just a buck. One little dollar. You probably have one crumpled up in your pocket right now. You could feed it to a vending machine, or you could have access to the legal system for a low monthly cost through Pre-Paid Legal. For more information contact (Your Name), Independent Associate, at (Phone Number). #17 Don’t take a chance with your legal needs. When you’re a member of Pre-Paid Legal, you can find the right lawyer by just making one simple phone call. Access the legal system for a low monthly cost. Call for more information (Your Name), Independent Associate, at (Phone Number). Membership Advertisements continued Membership Advertisements continued #18 No matter what kind of legal situation you face, you can depend on your Pre-Paid Legal membership to save you money and worry. Get the legal help you need when you need it without worrying about the cost. With Pre-Paid Legal, legal support for you and your family is as close as your phone. Don’t you owe it to yourself to learn more? Call (Your Name), Independent Associate, at (Phone Number). #19 What is as important as medical insurance if you are sick? Legal services if you’re sued! A Pre-Paid Legal membership gives you the ability to access professional legal services at a fraction of the usual cost. We also take away the worry and frustration of locating an attorney who can help. To find our more about our service or to become an Independent Associate call: (Your Name), Independent Associate, at (Phone Number). #20 Business owners have a lot to worry about. With the Business Owners Legal Solutions Plan, we can help ease some of those worries. As a part of the BOLSP membership, you have access to quality lawyers for legal advice and services and also receive valuable consulting and more with GoSmallBiz. com. Call your Pre-Paid Legal Independent Associate for more information, (Your Name) at (Phone Number). #21 Commercial Drivers, what would you do if your license was suspended or revoked? Call your local Independent Associate for more information on the Commercial Drivers Legal Plan offered by Pre-Paid Legal. This is a plan that you can not be without. (Your Name) at (Phone Number). TThere are many career choices in today’s world. Maybe you’re tired of the corporate scene, or maybe you want to own your own business. Whatever the reason, if you are looking for a new direction in your career, take a look at Pre-Paid Legal. You can have unlimited income potential with a publicly held company. Competitive commission structure with renewal income potential. If you are interested in a full or part time marketing opportunity, or would like to know more about our legal service plans, call your Independent Associate today. Your Name • Contact Information Confused? Get the money you need when you need it! Now is the time to plan your strategy and consider the advantages of running your own business! Be Your Own Boss! Full-Time Part-Time Unlimited Income Potential Independent Marketing Associates Needed For Pre-Paid Legal Call (Your Name), Independent Associate, at (Phone Number) for full details. Opportunity Advertisements #1 Independent marketing associates needed to sell legal service plans offered by Pre-Paid Legal a 30 plus-year-old NYSE company. Unlimited income potential and training provided. Call (Your Name), Independent Associate, at (Phone Number). #2 Sales opportunity with national company in Pre-Paid Legal. Be your own boss! Unlimited income potential. Call (Your Name), Independent Associate, at (Phone Number). #3 Associates of Pre-Paid Legal will be expanding our services in the (name of city or state) area. We are looking for new associates to help us build our business. For information, please contact (Your Name), Independent Associate, at (Phone Number). #4 Pre-Paid Legal is expanding in your area. Salesperson’s dream! National company offering a service everyone needs. Competitive commissions with renewal income potential. Training provided. Call (Your Name), Independent Associate, at (Phone Number) for full details. #5 Get the money you need when you need it! With today’s concerns about rising taxes, now is the time to plan your strategy and consider the advantages of running your own business. We’ll show you how to get started with Pre-Paid Legal and provide on-going training. Unlimited income potential. Call today! (Your Name), Independent Associate, at (Phone Number). #6 Be your own boss! Unlimited income potential marketing a service everyone needs with Pre-Paid Legal. Low start-up costs. Call today! (Your Name), Independent Associate, (Phone Number). #7 If you are interested in a full-time or part-time marketing opportunity with Pre-Paid Legal, or would like to know more about our legal service plans, call your Independent Associate today! (Your Name) at (Phone Number). #8 Still fighting the morning traffic to work? As a Pre-Paid Legal Independent Associate, you can set your own hours and be your own boss because you are in business for yourself but not by yourself. Call your Independent Associate for more information on how to get started. (Your Name) at (Phone Number). #9 Tired of punching a timeclock? If you are interested in a full-time or part-time marketing opportunity with Pre-Paid Legal and would like to know more about owning your own business call your local Independent Associate today! (Your Name) at (Phone Number). #10 Are you getting paid what you are worth? Get the money you need, when you need it. Unlimited income potential and training provided being a Marketing Associate for Pre-Paid Legal. To learn how to get started, call today! (Your Name), Independent Associate, at (Phone Number). #11 Too much month at the end of your money? Competitive commissions with renewal income potential in Pre-Paid Legal. Be your own boss and set your own hours. For more information on financial freedom call your local Independent Associate today! (Your Name) at (Phone Number). #12 Congratulations! You are in the right place at the right time! Pre-Paid Legal is the right company with the right opportunity you have been looking for! So how does it work and how do you get paid daily? Call your local Independent Associate to find out more. (Your Name) at (Phone Number) #13 You can create explosive income-earning potential by building your own business. Be your own boss and set your own hours. This is an opportunity of a lifetime with Pre-Paid Legal. For more information contact (Your Name), Independent Associate, (Phone Number). #14 This is a business opportunity you don’t want to miss. Salesperson’s dream. PT/FT. You can make your own hours with Pre-Paid Legal. Don’t miss out. Call today! (Your Name), Independent Associate, at (Phone Number). #15 Do you dream of owning your own business? Don’t delay. Call your local Independent Associate for more information. PT/FT opportunity with Pre-Paid Legal. Be your own boss! Call Today! (Your Name) at (Your Number). #16 Pre-Paid Legal is a publicly traded company on the NYSE and is expanding its services in your area. For more information on how to become an Independent Associate of this fascinating company, call today! (Your Name), Independent Associate, at (Phone Number). #17 Are you missing out on the finer things in life? With Pre-Paid Legal you can have unlimited income potential with the ease of creating your own hours. PT/FT. Call your local Independent Associate today to learn more! (Your Name) at (Phone Number). #18 Is your current job taking your nowhere? As a Pre-Paid Legal Independent Associate, your can set your own hours and be your own boss because you’re in business for yourself but not by yourself. To learn more about this amazing business opportunity, call: (Your Name), Independent Associate, at (Phone Number). #19 Unlimited income potential marketing a service everyone needs. With only 2% market penetration, the growth potential is phenominal. Don’t miss out on this amazing business opportunity to be a Pre- Paid Legal Associate. Call your Independent Associate today! (Your Name) at (Phone Number). #20 Tired of sitting behind a desk all day? Call your local Independent Associate to learn how to leave that desk behind. Work FT/PT marketing Pre-Paid Legal while being your boss! What are you waiting for? Call (Your Name) at (Phone Number). When using “training provided,” you must be committed to providing the training. You cannot list under the “Help Wanted/Employment” sections of the classified adsads must be listed as “Business Opportunity”. If the publication you wish to advertise with does not offer this section you can request it be added. Advertising Review Request Form Date: ___________________________________ Pages: ___________________ Name: ____________________________________________________________ Associate #: _______________________________________________________ Return fax #: ______________________________________________________ State/Province advertisement will appear: ____________________________ Type of advertising: ________________________________________________ (Example: newspaper, flyer, radio, television...) Comments: _______________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ PRE-PAID LEGAL SERVICES, INC. Factors to Consider The focus of the pre paid legal company is very important. You need to contract with a provider that places pre paid legal plans in a important position in their portfolio of benefits. The company should be willing to change their plans to correspond to the changes and needs in the marketplace. Many companies have so many other products that their prepaid plan is a sideline and does not get the attention it deserves. Some prepaid legal plans offered in the market place today are first generation and have not been modified to reflect the needs of potential legal situations today. Differences in the companies providing legal insurance vary from focus of the company, attorney selection to represent members, what is covered, when you have to pay a fee to an attorney, the coverage of preexisting conditions , who can become a member, membership fees, and group discount rates. There are many factors to examine in a plan to determine what plan best meets your employees' needs. This task requires a little home work on the part of the employer. Additional considerations can arise when examining the exact type of legal services offered. Some plans cover only the current situations that arise after a contract is enforce. Some cover preexisting conditions that have occurred before the contract date. This is an important provision for your employees, particularly those who may have on going legal problems. It is important to also look at what constitutes a preexisting condition and what the member has to pay to use this benefit. Some employers chose to help their employee with legal problems by contracting with an attorney in their city or area to provide local service for their workers. These programs are generally limited in there scope of services because of the size of the firm and resources available. A very small number of companies will have an attorney on staff or retainer for their employees. Generally there are only provisions for limited questions, simple document review, a will or telephone calls. Some provide unlimited phone consultations, though this is rare. Statistics indicate that if people would talk to an attorney for consultation when a legal situation arises, 90% of the legal situations could be solved before they reach the crisis stage. Yet, another important factor is whether the legal protection covers wills. Each plan varies according to the arrangements and the fee for this service. The criteria for attorney selection is the most important factor of legal protection because it is the heart and soul of any prepaid legal plan. The important question to ask is "What is the Martindale Hubbell rating of the law firm or attorney?" This rating system is equivalent to the rating service Dunn and Bradstreet provides for business. Many industry analyst feel that a top two rating by Martindale Hubbell would give the members a generally competent attorney. Another consideration when selecting a legal insurance plan is whether they use para-legals, secretaries, law clerks, inexperienced or recent law school graduates or qualified attorneys. It is important that the prepaid legal company have enough lawyers in various specialties to handle any situation that may arise. An Example of Legal InsuranceThere are a few companies in the market place that provide a pre paid legal plan on a national basis. Prepaid Legal Services, Inc. was the first company to offer a legal plan in America. The company is a publicly held company, the only one in the United States. This company was started in 1972 and is licensed to sell membership in all but five states. They have a nationwide network of over 6500 attorneys available in all states.
Pre Paid Legal Services, Inc requires the attorneys who work with their members to have the two highest ratings from Martindale Hubbell, have at least three years of experience, and be of high standing in the community and the American Bar Association. In the last several weeks, legal plan sales have almost doubled the number of plans sold over the previous year. An example of a plan of interest to an employee with a family is the $14.95 per month group family plan. This plan gives employees and their family unlimited phone consultations on any subject immediately when they enroll. The attorneys available through the plan answer both business and personal legal questions. The attorneys provide phone calls and letters to any business or entity on the employee's behalf. With this program, individuals can have all future and past contracts reviewed and be advised of the legal impact of having a contract enforced the way it is written. The plan also provides for a comprehensive will for the insured and their family. Additionally, group family plan provides representation in court for all moving traffic violations (on or off the job), traffic violations when a death occurs, and cases where criminal charges have been filed. Since we now live in a society where the "take them to court" mentality prevails, legal insurance is a new and exciting benefit for employees. If you are looking for an employee benefit that will help your employees as much, if not more than your health insurance, then prepaid legal insurance is definitely worth investigating for your organization. Below is a link to an article that was done about companies that offer Legal Services to their employees.
http://www.prepaidlegal.com/pdf/SBhandout.pdf Remember, offering PPL to your employees -does not cost your company anything, -saves your employees time and money, -and allows employees to be more productive. Please review our web site tailored for HR Directors concerned about attracting and retaining quality employees. Be sure to watch the 3 minute movie found at the top left or bottom right of the web page. Companie should provide their employees protection, security, and peace of mind. How The Plan Works for companies A Pre-Paid Legal plan is easy to implement. What our Provider Lawyers have to say... What our Provider Lawyers have to say... BENEFITS: Are you calling your attorney more now that you know you can? No more asking your friend or co-worker for legal advice, right? With your membership you can regularly use attorneys to help you make even more 'better decisions' in life. Member Success Story
How to present Legal Plan to Employers...I read sometime back that Einstein spent his whole life trying to find a unifying theory for the universe and I really think ADRS isn't just a product, it is a solution that unifies many of the problems I've faced as a group producer for the last 11 years. Just to give you a few examples: |
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