Legal Plan

Group arrangement in which a network of attorneys provides legal services to the participants in the plan with the attorney fees being reimbursed by the provider. The attorneys who are members of the network provide their legal services at a reduced rate from their customary fee to the plan participants. Most legal plans are voluntary on the part of the employees with the employees paying their entire cost through payroll deduction insurance. There are two main types of group legal plans:

1. Access plans participants in the plan receive legal advice for such matters as simple wills, and demand letters plus other legal advice over the telephone.
2. Comprehensive plans participants in the plan receive legal advice through office and telephone consultations for such concerns as wills, trusts, bankruptcy, civil litigation, real estate transactions, and other general legal planning.