I am sure that you have heard all about prepaid legal services as the next big thing in legal news sweeps the web in popularity. But are prepaid legal services really worth it, how much legal expenses do they cover, and are you really protected when you pay a nominal monthly fee for prepaid legal service? Actually you are not. Prepaid legal services really just help you hook up with a lawyer. It works on the same principal that prepaid medical insurance does, the more you pay into it the more that you get out of it. So if you stuffed about $50 per month in a prepaid legal services contract, you would get exactly what you paid in when you needed a lawyer, if you needed one. Otherwise they keep your fee. Think of prepaid legal services as really crappy insurance. When the time comes that you need it, you are informed that your coverage is too low and that your out of pocket expenses will be high. So why pay for it when it really does not offer all that much in the realm of legally protecting you and protecting you from financial liability in the event that you need the services of a legal professional?
