THIS IS ONE THING THAT THE PHILIPPINES LACKS: A LEGAL PLAN OR A PRE-NEED LEGAL INSURANCE.
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How Do I Pick a Legal Plan?
If you've never considered a personal legal plan before, how do you decide if it's right for you?
At its core, a legal plan is like insurance: You pay a certain amount for a plan, and in exchange you get a set amount of legal services. And, like insurance, you should consider your current lifestyle as well as your future needs when selecting the right coverage.
But unlike medical insurance where you pay money in the hopes you won't ever need it, the money you pay for a legal plan is used for things that everyone needs. For example, legal plans commonly include options such as:
- Consultation calls with a local, qualified lawyer;
- Preparation of specific documents, such as a personal will;
- Review of important legal documents like employment contracts and leases;
- Assistance with tax preparation; and
- Discounts on complex legal matters requiring a specialist, such as criminal trials or bankruptcies.
In fact, you may want to think of legal plan as akin to having an on-call "family lawyer" (similar to having a "family doctor") who can help answer many of your most common everyday legal issues and keep you moving in the right direction if a complex legal matter pops up.
When choosing a legal plan, consider which legal services you know you'll need right away, such as preparing a will or getting a lease reviewed. Also consider which services you anticipate needing in the future, such as family law help if you are a single parent of small children. Then look for a plan that includes the services you know you need, and contemplates the services you think you may want to use in the future.
If you are a small businessperson, you may need to consider a specialized business legal plan to ensure you will have access to specialized business legal services.
Also, look for legal plans that offer protections in case you find that the legal plan you selected is not right for you. It's not uncommon to see 30-day money-back guarantees or other satisfaction warranties.
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