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Potentially save 1,625 dollars per employee annually
1.
Measuring the EffectsMeasuring
the EffectsMeasuring the EffectsMeasuring the EffectsMeasuring the Effects of Employee Financial and Legal Woesof Employee Financial and Legal Woesof Employee Financial and Legal Woesof Employee Financial and Legal Woesof Employee Financial and Legal Woes Highlights from the Internet survey completed by Harris Interactive and Market Strategies © 2000 Market Strategies
2.
© 2000 Market
Strategies Page 2 of 18 Contents Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Working Adults Legal Needs Opinion Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Methodology Demographics Legal Life Events - Frequency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Family-related events Personal financial matters Events related to personal property Personal disputes or legal matters Summary – Frequency of Legal Life Events Attorney Effectiveness – Value of Having an Attorney Involved . . . . . . . . . . . . . . . . . . . . . . . .10 Family-related events Personal financial matters Events related to personal property Personal disputes or legal matters Summary – Value of Having an Attorney Attorney Value vs. Frequency of Legal Life Events . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Productivity Impact of Legal Life Events . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Lost Productivity - Multiplier Effect . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Taking into consideration the Value of Having an Attorney, the Frequency of the Event, now combined with the relative productivity loss. Focus on the Legal Life Event needs of Working Adults . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Financial Events Credit Issues Family Events Effectiveness of Group Legal Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
3.
© 2000 Market
Strategies Page 3 of 18 Executive Summary Market Strategies, LegalWise North America, and Harris Interactive worked jointly to create a questionnaire that addressed the objectives of the first significant study since 1986 on the subject of group legal plans. From the Harris Poll Online Panel of over 6 million respondents, 638 qualified respondents – full time employees between the ages of 25 and 55 – completed the Internet survey between August 12th and August 17th, 2000, providing a 95% Confidence Level in the results. Last year, 7 out of 8 of all employees experienced at least one Legal Life Event. Legal Life Events were segmented into four areas: Family Events, Financial Events, Events relating to Personal Property, and Legal Disputes. Almost half of all employees experienced three legal life events during the past 12 months; two-thirds had two or more events. The study then evaluated the relative value of having an attorney, removing cost as a factor. Over 1/4 of all employees sought the advice of an attorney last year, even if only on a simple matter; most of these contacts were of brief duration. Not surprisingly, employees most valued having an attorney involved when faced with a lawsuit, DUI, Estate Planning, credit issues, tax disputes, divorce, and child support, while perceiving little value for such issues as child birth or getting married. To resolve their Legal Life Events, employees spent an average of 7 days away from work per year, plus 9 hours on the job, equating to $1,625 of annual cost to the employer per employee (based on the mean sample $50,000 salary). Taking into consideration the value of an attorney and the Frequency of Legal Life Events, combined with the relative productivity loss, the top 10 legal life events of working adults become clear: child support issues, death of a family member, divorce, credit/bankruptcy, tax disputes, lawsuits, traffic tickets, vendor disputes, and estate planning (in that order, and ignoring job loss). Some specific revelations included: • Only 4% of all Employees had a will completed or updated in the past year • One fourth of all Employees had a credit problem, up to and including filing for bankruptcy • Employees rated credit issues as having the 4th highest value of having an attorney involved, after only: being involved in a lawsuit, wills/estate planning, and DUI; yet only 15% spoke with an Attorney. • By far, the most time off is taken for family-related Legal Life Events • Divorce - 7.3 days off plus almost 10 hours of lost time (Rated 7th highest in terms of legal assistance value) • Death of Family Member - 8.3 days off plus over 12 hours of lost time (11th highest in terms of legal assistance value) • Child Support - 26 days off plus almost 27 hours of lost time (4th highest in terms of legal assistance value - tied with tax disputes and credit issues) Unfortunately, most group legal plans do not provide comprehensive coverage for many of these top ten legal life events. Only one of the five major group legal plans provides coverage for the top event: child support. Only two major plans provide coverage for the next three highest: death of family member, contested divorce, and credit / bankruptcy issues. More provide tax and traffic assistance, while all of them provide at least some assistance with legal disputes and wills (although only one major plan provides legal assistance for more complex estate planning devices). AT&T is one of the few major employers (if not the only one) which has had experience with three of the five major group legal providers. With this experience, they have determined the following criteria to be most important in choosing a provider: Comprehensive plan benefits, including coverage for family law, bankruptcy, complete estate planning and probate issues, flexibility from the Provider, including choice of plan, minimal employee complaints, and the ability to provide effective implementation. In order to have a positive impact on lost productivity, it is important to choose a group legal plan wisely.
4.
© 2000 Market
Strategies Page 4 of 18 Working Adults Legal Needs Opinion Report Methodology Questionnaire Development Market Strategies, LegalWise North America, and Harris Interactive worked jointly to create a questionnaire that addressed the objectives of the study. Respondents Respondents for this study were chosen from the Harris Poll Online Panel of over 6 million respondents. Qualifications were: • Employed full-time • Do not work in Insurance or Legal Services • Are not an Attorney, Human Resources Professional, Judge or Legal Professional • Between the ages of 25 and 55 Data Collection Method Respondents were sent an e-mail invitation directing them to the Harris Poll Online Survey. 638 qualified respondents completed the Internet survey between August 12th and August 17th, 2000, providing a 95% Confidence Level in the results. Demographics Base:All qualified respondents (n=638) 32% 38% 30% 0% 10% 20% 30% 40% 50% 25-34 35-44 45 - 54 Sex Age Male 49% Female 51%
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Strategies Page 5 of 18 Marital Status Race Education 57% 17% 10% 8% 1% 7% 0% 10% 20% 30% 40% 50% 60% 70% M arrie d Single D ivorce d Se parate d W idow e d Living w ith partne r Base:All qualified respondents (n=638) 71% 11% 11% 2% 0% 10% 20% 30% 40% 50% 60% 70% 80% White Black/African American Hispanic Other Base:All qualified respondents (n=638) 10% 35% 27% 20% 9% 0% 10% 20% 30% 40% 50% Some High School or Less High school graduate or equivalent Completed some college, but no degree College graduate (e.g., B.A., A.B., B.S.) Post Graduate
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Strategies Page 6 of 18 Income Industry Profession 4% 17% 22% 4% 11% 10% 12% 21% 0% 10% 20% 30% 40% 50% B ank, F inan, Ins, R E B us. Service P roduction P rof. Service P ublic A dm in. R etail T rans. C om m un. U tility O ther 8% 8% 10% 16% 22% 12% 8% 4% 3% 10% 0% 5% 10% 15% 20% 25% Less than $15,000 $15,000 to $24,999 $25,000 - $34,999 $35,000 - $49,999 $50,000 - $74,999 $75,000 - $99,999 $100,000 - $124,999 $125,000 - $149,999 $150,000 or more Decline to Answer Base:All qualified respondents (n=638) 10% 16% 13% 33% 29% 0% 10% 20% 30% 40% 50% Clerical Prof./White Collar Manuf./Blue Collar/ Service High Tech Other Base :All qualified respondents (n=638)
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Strategies Page 7 of 18 Legal Life Events Fact 7 out of 8 of all employees experienced at least one Legal Life Event last year. Family-related events Examples include: Death of a family member, child support, & divorce. 241 respondents (37.7%) experienced a family-related event. Personal financial matters Examples include: Credit problems, loss of job, estate planning, tax issues. 333 respondents (52.2%) experienced a personal financial matter. Base:All qualified respondents (n=638) 1% 3% 5% 6% 7% 7% 10% 13% 0% 5% 10% 15% Adoption of a child Child in le gal trouble Marriage Arrange d care for e lde rly pare nt/family me mbe r Divorce or se paration Birth of a child Child support dispute De ath of an imme diate family me mbe r Base:All qualified respondents (n=638) •Overall, those that are Divorced or Separated were much more likely to have experienced a financial matter than those that were married or single, especially credit problems or bankruptcy. 2% 4% 9% 9% 12% 26% 27% 0% 5% 10% 15% 20% 25% 30% Started or dissolved a business partnership Preparation of, or changes to a will, estate plan or trust Problems or concerns with tax preparation Federal, state or local tax dispute or problem Loss of job or other significant loss of income Credit problem or bankruptcy Promotion or other significant increase in income
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Strategies Page 8 of 18 Events related to personal property Examples include: purchasing or leasing an automobile, renting an apartment, purchasing, selling or refinancing primary residence. 358 respondents (56.1%) experienced an event related to personal property. Personal disputes or legal matters Examples include: traffic tickets, dispute with a vendor, warranty dispute. 204 respondents (32.0%) experienced a personal dispute or legal matter. ll Base:All qualified respondents (n=638) •Males were more likely than females to report experiencing an ev ent related to their personal property although there was no significant difference between th e specific events. •Those with an income less than $35,000 were less likely to purch ase or lease an automobile than those with a greater income. 2% 2% 8% 11% 12% 14% 28% 0.00% 10.00% 20.00% 30.00% Theft/burglary of home or auto Purchased, sold or refinanced rental or other income producing property Purchased, sold or refinanced primary residence Filed homeowner or auto insurance claim Remodeled primary residence or rental property Rented an apartment Purchased or leased an automobile Base:All qualified respondents (n=638) •Those respondents that are Separated were more likely to report experiencing a personal dispute or legal matter although there was no significant difference bet ween the specific events. •There was a higher number of respondents in the High -Tech profession experiencing a lawsuit than any other profession. 0% 0% 1% 1% 4% 5% 6% 10% 15% 0% 5% 10% 15% 20% Had a dispute with the INS or other immigration issue Received a ticket for DUI/DWI Had a dispute with your landlord Had a dispute with a tenant Had a dispute with a neighbor You or family member involved in a lawsuit Had a warranty dispute Had a dispute with a vendor or merchant Received a traffic ticket for a moving violation or accident
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Strategies Page 9 of 18 Fact Almost half of all employees experience three legal life events each year; Two-thirds had two or more events. Summary – Frequency of Legal Life Events A comprehensive review of all Legal Life Events displaying the frequency of need during the past 12 months (frequency is as a % of total employees, with a 95% confidence level). No Event 2 Events 3 Events 1 Event Birth of Child Marriage Remodeled Residence Rented Apartment Filed Auto or H/O Claim Elder Care Theft / Burglary Dispute with Neighbor Loss of Job Purchase or Sale of Home Purchase or Sale of Rental Tax Preparation Problems Traffic Ticket Adoption Dispute with Landlord Dispute with Vendor Immigration Death of Family Member Warranty Dispute Child - Legal Trouble Divorce Child Support Tax Dispute DUI/DWI Estate Planning Lawsuit Purchase / Lease Auto Promotion Credit/Bankruptcy - 5 10 15 20 25 30 FrequencyofNeed(%ofTotalEmployees)
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Strategies Page 10 of 18 Attorney Effectiveness –Value of Having an Attorney Involved Fact • 93% of Employees having a legal plan surveyed rated their Attorney experience Very Good to Excellent!* • Over 1/4 of all employees sought the advice of an attorney last year, even if only on a simple matter. Most of these contacts were of brief duration. *Separate Study conducted by LegalWise Family-related events Financial events Base: Respondents who did not contact an Attorney for Family Events (n=133) 1.4 2.1 4.5 6.1 6.3 6.6 7.1 7.4 1 2 3 4 5 6 7 8 9 10 Birth of a child Marriage Arranged care for elderly parent/family member Adoption of a child Death of an immediate family member Child in legal trouble Divorce or separation Child support dispute Removing Cost as a Factor - Relative Value of Having an Attorney Base: Respondents who did not contact an Attorney for Financial Events (n=283) 3.3 5.1 5.4 6.5 7.4 7.4 7.9 1 2 3 4 5 6 7 8 9 10 Promotion or other significant increase in income Loss of job or other significant loss of income Problems or concerns with tax preparation Started or dissolved a business partnership Credit problem or bankruptcy Federal, state or local tax dispute or problem Preparation of, or changes to a will, estate plan or trust Rem oving Cost as a Factor - Relative Value of Having an Attorney
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Strategies Page 11 of 18 Personal property events Personal disputes Graphs represent respondents’ rating of their view of the value of having an attorney involved, removing cost as a factor (scale is mean rating on a scale of 1 to 10). Base: Respondents who did not contact an Attorney for Property Events (n=324) 2.6 2.7 2.8 4.4 4.5 5.2 5.2 1 2 3 4 5 6 7 Remodeled primary residence or rental property Purchasd or leased an automobile Rented an apartment Filed homeowner or auto insuarance claim Theft/burglary of home or auto Purchased, sold or refinanced rental or other property Purchased, sold or refinanced primary residence Removing Cost as a Factor - Relative Value of Having an Attorney Base: Respondents who did not contact an Attorney for Dispute/Legal Matter (n=155) 5.0 5.9 6.1 6.2 6.2 6.3 6.4 7.7 8.5 1 2 3 4 5 6 7 8 9 10 Had a dispute with a neighbor Received a traffic ticket for moving violation or accident Had a dispute with a landlord Had a dispute with the INS or other immigration issue Had a dispute with a vendor or merchant Had a dispute with a tenant Had a warranty dispute Received a ticket for DUI/DWI You or a family member involved in a lawsuit Rem oving Cost as a Factor - Relative Value of Having an Attorney
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Strategies Page 12 of 18 Perceived Value of Having an Attorney - Summary Birth of Child Marriage Remodeled Residence Purchase / Lease Auto Rented Apartment Promotion Filed Auto or H/O Claim Elder Care Theft / Burglary Dispute with Neighbor Loss of Job Purchase or Sale of Home Tax Preparation Problems Traffic Ticket Adoption Dispute with Landlord Immigration Death of Family Member Dispute with Tenant Warranty Dispute Business Partnership Child - Legal Trouble Divorce Credit/Bankruptcy Child Support Tax Dispute DUI/DWI Estate Planning Lawsuit Purchase or Sale of Rental Dispute with Vendor - 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 Value of Having an Attorney
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Strategies Page 13 of 18 Attorney Value vs. Frequency of Legal Life Event Combining the Frequency of Need vs. the Value of having legal services . . . Top 10 Value vs. Frequency Magnifying the high-value quadrants in the chart above, the top 10 Legal Life Events of working adults, based on the perceived value of providing legal services relative to frequency of need, are as follows . . . Law suit Estate Planning DUI/DW I Tax Dispute Child Support Credit/Bankruptcy Divorce Child - Legal Trouble Business Partnership W arranty Dispute Dispute with Tenant Death of Fam ily Mem ber Immigration Dispute with Vendor Dispute with Landlord Adoption Traffic Ticket Tax Preparation Problems Purchase or Sale of Rental Purchase or Sale of Home Loss of Job Dispute with Neighbor Theft / Burglary of Auto/Home Elder Care Filed Auto or Homeowner Claim Promotion Rented Apartment Purchase / Lease Auto Remodeled Residence Marriage Birth of Child - 10 20 30 - 2.0 4.0 6.0 8.0 10.0 Lower Higher Perceived Value of Legal Services Frequency(%Employees) Estate Planning Lawsuit Divorce Loss of Job Dispute with Vendor Tax Dispute Child Support Death of Family Member Traffic Ticket Credit/Bankruptcy - 10 20 30 - 2.0 4.0 6.0 8.0 10.0 Perceived Value of Legal Services Frequency(%Employees)
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Strategies Page 14 of 18 Productivity Impact of Legal Life Events Fact •Employees are more affected by their Legal Care than they are by their Medical Care, Dental Care, or Pet Care. •Employees are three times as likely to be involved in a legal action than to be admitted to a Hospital. •Employees take more time away from work attending to legal life events than they do to see a dentist. On average, respondents spent 53 hours on the job to resolve their family-related event. Across the entire sample, on average, employees spent 7 days off from work resolving Legal Life Events 53 29 22 26 0 10 20 30 40 50 60 Family event Financial matter Property event Dispute/legal matter During the past 12 months, approximately how many hours have you spent at your job handling the resolution of these events? 4.50 1.70 0.53 0.23 6.96 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 Family event Financial matter Property event Dispute/legal matter Total During the past 12 months, approximately how many days have youtaken off work to resolve the events you have experienced? Base:All qualified respondents (n=638)
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Strategies Page 15 of 18 Summary: Productivity Loss to Resolve Legal Life Events. •To resolve all of the events, respondents spent an average of: • 9 hours at work, PLUS • 7 days away from work. •For an individual with a salary of $50,000 this time amounts to: • $225 for lost productivity. • $1,400 for days off. • $1,625 annual cost to the employer per employee Lost Productivity - Multiplier Effect Taking into consideration the Value of Having an Attorney, the Frequency of the Event (as seen before), now combined with the relative productivity loss (as reflected by the size of the sphere) for the top 10 events . . . Estate Planning LawsuitDivorce Dispute with Vendor Tax Dispute Child Support Death of Family Member Traffic Ticket Credit/Bankruptcy - 10 20 30 - 2.0 4.0 6.0 8.0 10.0 Value of Attorney Frequency(%ofEmployees)
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Strategies Page 16 of 18 Focus on the Legal Life Event needs of Working Adults Focus: Financial Events •Estate Planning - Only 4% of all Employees had a will completed or updated in the past year. •Tax Disputes - 9% of all Employees had a tax dispute last year. •Credit Problems or Bankruptcy - One fourth of all Employees had a credit problem, up to and including filing for Bankruptcy! Focus: Credit •26% of all Employees had a credit problem last year. •Respondents rated credit issues as having the 4th highest value of having an attorney involved, only after being involved in a lawsuit, wills/estate planning, and DUI. •Only 15% of all respondents having credit problems spoke with an Attorney. Almost a third of the remainder (30%) thought an attorney would be too expensive •There were a total of 1.2 million bankruptcies in 1999, up four-fold from 1981* •Non-mortgage debts equal 22 months of income in 1997, up from 9 months* •Loss of job, serious medical problems, or economic impact of divorce - not poor financial management - accounted for more than two thirds of all bankruptcies* *“The Fragile Middle Class” (Yale University Press, 2000) Elizabeth Warren, Teresa A Sullivan, and Jay Lawrence Focus: Family Law •By far, the most time off is taken for family-related Legal Life Events •Divorce - 7.3 days off plus almost 10 hours of lost time (Rated 7th highest in terms of legal assistance value) •Death of Family Member - 8.3 days off plus over 12 hours of lost time (Rated 11th highest in terms of legal assistance value) •Child Support - 26 days off plus almost 27 hours of lost time (Rated 4th highest in terms of legal assistance value - tied with tax disputes and credit issues)
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Strategies Page 17 of 18 Effectiveness of Group Legal Plans Group Legal Plans - What do they cover? Based on the plans provided by the top five nationwide providers of group legal plans . . . Coverage Benefits vs. Employer Needs Frequency of Legal Life Events, Value of an Attorney, and Productivity Loss combined (along the vertical axis) – compared to the number of major group legal providers offering coverage (along the horizontal axis), shows an inverse relationship between the number of plans offering coverage that is most valuable to employers and employees alike . . . 0 1 2 3 4 5 C redit/B an kru ptcy T raffic T icket D eath of Family M ember C h ild S u pport T ax D ispu te D ispu te w ith Ven dor Loss of Job D ivorce (C on tested) Law su it Estate Plan n in g # Majo r P lan s C o verin g Issu e Estate Planning Lawsuit Divorce Dispute with VendorTax Dispute Child Support Death of Family Member Traffic Ticket Credit/Bankruptcy - 500 1,000 1,500 2,000 2,500 0 1 2 3 4 5 6 # Major Plans Covering LostProductivity-MultiplierEffect
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Strategies Page 18 of 18 Summary • 7 out of 8 employees experienced at least one Legal Life Event last year • Half of all employees experienced 3 or more Legal Life Events • Employees spend an average of 7 days away from work, and 9 hours of lost productivity during work due to Legal Life Events • Bankruptcy, Divorce, Child Support, and Probate are key coverages for employers as well as for employees • Partnering with the right provider makes the employer’s life easier, and provides proper coverage for employees
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