When Ronald Ballerini was offered access to a group legal benefit through his employer, he was convinced of its value just after reading the brochure.

The firefighter and paramedic, who's employed by the Southfield Fire Department in Southfield, Mich., was thinking of doing some estate and trust planning. He also thought it might come in handy if he needed help with some mortgage financing and document review.

But that wasn't the case.

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