Why Are You Throwing You Money Away? Wouldn’t you rather keep more money for yourself or your business, increase your profit sooner and keep control of your work environment? This manual is your complete reference for prepaid legal services and legal insurance plans. Whether you are looking for an employee benefit to increase your employee productivity and retention, or grow, protect and bullet proof your small or home-based business from any legal situation, you will refer to this manual again and again. As an Employer- You will discover solutions to employee problems. The LSK study found employees with legal problems usually: § Are absent five times more than the average employee. § Use their medical insurance four times more than the average employee. § Use their sick leave twice as often as the average employee. § Experience a substantial reduction in their productivity. As a Small or Home-Based Business Owner- You will discover how to avoid being part of the following statistics from the US Chamber of Commerce and US Small Business Administration: § In the next 12 months, the average owner will need legal advice or assistance four to six times. § Hundreds of thousands of businesses fail each year because they could not get the professional help that they need with legal issues, marketing, financing, sales, taxes, and problem employees.