Frequently Asked Questions

General Questions about Legal Expense Insurance

What is Legal Expense Insurance?
What are Prepaid Plans?
What is Prepaid Insurance?
What does Legal Expense Insurance cover?
Why do I need legal protection?
What if I'm not sure whether or not I need legal representation?
What happens if a lawyer isn't available when I call?
How do I contact a TLA lawyer?
Is TLA confidential?
How do I make a claim?
Can I use my own lawyer?
Why do you have a panel lawyer system?
Are all legal fees and disbursements paid?
Why are the panel lawyers not all within the $ 275 hourly maximum rate?

Professional Legal Expense Insurance for:

Dentists
How does Professional Legal Expense Insurance (PLEI) coverage differ from the CDPA coverage?
Doesn't getting a lawyer involved just make things more complicated and more expensive to settle?
Does STERLON still provide service to the CDPA?
Can dentists still purchase LEI directly from STERLON?
Doesn't my professional liability insurance provide me with this cover?
What are the policy limits?

Educational Professionals (includes Supervisory Officers, Principals and Vice Principals)
Doesn't my board provide me with legal protection?
What if my problem is of a personal nature?
What kind of coverage does PLEI provide?
What are the policy limits?

Physicians and Surgeons
How does Professional Legal Expense differ from CMPA?
Doesn't my professional liability insurance provide me with this cover?
Doesn't getting a lawyer involved just make things more complicated and more expensive to settle?
What are the policy limits?

Commercial Legal Expense Insurance

Don't I already have this coverage?
How is this coverage different from commercial liability insurance?
Can I really afford more insurance?
What if I'm not sure if I need a lawyer?
Doesn't getting a lawyer involved just make things more complicated and more expensive to settle?
What are the policy limits?