2017-11-02 / People

An overlooked benefit to consider during enrollment

Being a parent is a balancing act. You are constantly being pulled in different directions and it can be challenging managing all of the things you need to get done. Your company’s open enrollment period is a chance to take stock of what benefits your workplace offers that may be able to help you manage some of the issues you face.

One often overlooked benefit is a group legal plan, which provides access to a nationwide network of attorneys for help with per­sonal legal issues for around $20 a month. Here are just a few reasons why a legal plan can be a valu­able benefit for a parent: It helps with the things keeping you up at night. Have you considered who would take care of your children if something happened to you or your spouse? Or what if someone in the family became disabled? Do you have financial and health care directives in place to protect your family? If you have kids, you need to have estate planning documents. A group legal plan covers the cost of drafting documents like wills and powers of attorney for you, your spouse and dependents.

It can help protect or restore your identity. Identity theft is on the rise, with child identity theft quickly becoming one of the fastest-growing identity theft crimes. Contacting creditors and other agencies to resolve an iden­tity theft issue can be very time- consuming and costly. In fact, the average cost to resolve an identity theft issue, including legal fees, is around $1,300, according to a U.S. Department of Justice study cited by CSID. Access to identity theft assistance through a group legal plan connects you to experts who can do the work for you, saving you time and money.

It helps with buying or selling a home. Having children can mean having to move to a bigger house. There are numerous legal issues involved in buying or selling a home. Attorneys can review con­tracts, draft documents related to the purchase or sale, as well as attend the closing for you. A legal plan provides you with access to an attorney to guide you through the home buying or selling process, taking away the stress of dealing with complicated paperwork and legal issues.

It can help with school-related issues. As your child enters school, there are many complicated issues he or she may face. Dealing with special needs requests, adminis­trative hearings at school or even juvenile court for traffic infrac­tions are all legal issues that can be difficult for most parents to maneuver without legal help.

When you are enrolled in a legal plan, it’s similar to having an at­torney on retainer. You can contact an attorney for any questions you have related to issues your children face throughout their school years. Having access to affordable legal help through a group legal plan can help you navigate many of the issues you face as a parent. If your company offers this as a benefit at your work, it’s one to consider this open enrollment season. (BPT)

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