Providing employees access to alegal insurance plan will help them save money on attorney fees,which average $343 an hour. (Photo: Shutterstock)


A strong voluntary benefits package is becoming morecritical for employers as they compete to attract and retain top talent. Employees have come toexpect lots of benefit choices. In fact, one survey found that themajority of employees are willing to bear the cost if that givesthem more benefit options.


Voluntary benefits that are trending this year help address a wide varietyof medical, emotional, financial and legal needs. One of thosebenefits, legal insurance, is a versatile and powerfulbenefit that every person―no matter their generation, age,relationship status or gender―can use.


Related: The evolution of voluntary: Expanding voluntarybenefit offerings


How? It's useful for proactive planning like creating awill—which everyone needs, and it's also there when an employeeencounters an unplanned legal issue like a child support dispute,bankruptcy or drivers license suspension.


The common legal issues employees deal with include:

  • Creating a will or trust
  • Traffic tickets or moving violations that could lead to licensesuspension
  • Child custody, child support and other family law issues
  • Divorce
  • Dealing with debt collectors
  • Property line and other neighbor disputes
  • Bankruptcy
  • Issues with bad contractor work or incomplete auto repairs
  • Buying or selling a home

Providing employees access to a legal insurance plan will helpthem save money on attorney fees, which average $343 an hour. Whenyou consider the average number of attorney hours for somethinglike buying or selling a house is six hours, the fees add up fast.But with legal insurance, network attorney fees are 100 percentpaid in full for most covered matters.


Employees appreciate a benefits package with lots of options―butif they aren't aware the options exist, how can they credit theiremployers with providing them a valuable and varied benefitspackage?


There are seven things you can do to make legal insurance morevisible and increase participation in the plan. Many of these applyto any voluntary benefits you offer.

  1. Have employees enroll in legal insurance at the sametime as core benefits. This will increase visibility andraise awareness.
  2. Make payment easy with payroll deduction.Simplify the process and give employees one less thing to thinkabout.
  3. Enroll on the same website as the health insurancebenefit. Participation will be higher if employees use thesame enrollment platform for benefits.
  4. Communicate early and often. Participationrates are higher when employees receive plan details at least onemonth before open enrollment. Use a variety of touchpoints, e.g.,company intranet, emails and print brochures. Be sure to takeadvantage of enrollment materials from the benefits provider.
  5. Offer employees two plan options. Whenmultiple legal insurance plans are offered, more employees choosethe “plus” plan than the “base” plan. This translates to a betterpremium in the long run.
  6. Make regular changes to the plan. Yourprovider should be offering plan changes and upgrades regularlybased on employee demand. No matter the change, participation tendsto increase.
  7. Be an advocate for the benefit. The moreemployees hear about legal insurance from a trusted person at theirown company, the more likely they are to enroll.

Employees expect a lot from your benefits package these days.Once you add a voluntary benefit like legal insurance to yourpackage, make sure you're setting employees up to understand anduse the benefit so they can appreciate the valuable choice you'regiving them.

Check out these other popular voluntarybenefits:

Dennis Healy is a member of the ARAG® executiveteam. Dennis is a passionate advocate for legal insurance and hasmore than 25 years of insurance industry experience, with a primaryfocus on the sale of group voluntary benefit products to employergroups of all sizes through brokers, consultants and employeebenefit exchanges.

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