Anonymously contributed:
Open Enrollers: Legal Insurance is a Scam!
We had legal insurance for years, thinking that having a lawyer to speak to on demand would be fantastic. It's embarrassing for me to admit how long it took to figure out why I never, ever "had a case."
If I thought I had a case, it might cost THEM money!
I could have gone to Small Claims Court many times and found restitution with "the elders of my community" for problems we had with the title of our house, extortion by banks, stubborn mistakes on credit reports - the list is long. But the on-call lawyer never even once suggested this, even though Small Claims wouldn't have cost them anything! Unless you know you're going to need a lawyer in 2011, this is not worth the money.
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11 comments:
I've had occasion to use it twice and it worked out for me both times.
I saw it as a cheap way to make a living trust for very cheap.
A scam? When you look at how little it costs per month, maybe not.
Use Legal insurance for setting up your will or living trust. It is really not a scam, considering the low cost per month.
This legal insurance is great. Just don't ever use it against LANS/LLNS. They don't allow it.
I've used it for living trust and child custody and have literally saved thousands of dollars. The on-call lawyers on the phone are worthless, I agree with that. But using a local attorney who works with the insurance is a dream come true!
I've used it several times and had very good luck. It's more than paid for itself over the life of my employment at LLNL.
I've used it twice, my children used it twice. ach time it worked very well. If you try to use it to sue LLNL they'll decline (and laugh behind your back) as well they should.
Thanks for the comments!! I wrote, "Unless you know you're going to need a lawyer in 2011, this is not worth the money." I should have added that we did in fact "need a lawyer," twice, and it saved us a lot of money. But you can often wait for Open Enrollment if you're planning to draw up wills or sue a company.
It's the on-call attorney I can't forgive. I think about him during Open Enrollment, but try to forget him during the year.
Hi scooby,
i think you are right somewhere but legal insurance is not a scam.is it? If you are fully aware what are your requirements then i think it helps a lottt.As You can Use Legal insurance for setting up your will or living trust.as its cost effective
great share!
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