Questions and answers about Folksam Legal Insurance
The good thing about group insurance is that the group representative, i.e. your trade union, has negotiated terms for the insurance at a favourable members’ price compared with the cost of buying legal advice privately.
Through your union membership you can receive exclusive offers on various membership insurances. Legal insurance is one of these membership benefits. The insurance gives you access to legal advice, both digitally and by phone if you need more personal advice. Having access to legal expertise and knowing you can receive support on legal matters gives peace of mind, in both the short and long term.
As well as generous legal protection insurance cover, Folksam Legal Insurance provides assistance in the event of identity theft, health and wellbeing advice and access to 15 hours of legal advice each year in a broad range of legal areas. You will also receive support and help in preparing legal documents that you may need within the field of family law.
Of course, you can hire legal help on your own, but it will probably cost much more compared with the monthly cost of Folksam Legal Insurance.
Many people should have an interest in and a need to write a will, for example. Many parents think it feels good to know what their children will inherit in the future, that it will be their own personal property. And that can only be achieved by writing a will. If, for instance, you live in a bonus family and have bonus children (also called stepchildren), it is extremely important to ensure clarity regarding the family’s legal situation by writing a will.
Many of us find it difficult and uncomfortable to address issues such as family law and inheritance. There can be many reasons for this, such as the expense of hiring a lawyer, not knowing where to turn for advice or simply not feeling that it is a high priority yet. Legal insurance makes it a little easier to be able to do the things that should be done.
Anything in the field of family law, such as prenuptial agreements, cohabitation agreements, division of property, custody issues and estate registration. It also covers matters of inheritance law, such as disputes about the right to inherit and assistance with writing a will.
You can also receive help with advice on consumer law, i.e. if you have a dispute with a trader.
Additionally, you can receive advice on real estate law, for example help to prepare purchase documents in the event of a transfer of property, legal advice on “hidden defects” in a property and various issues related to tenant-ownership and tenancy law.
Many matters concern advice in the event of separation or divorce and help in custody disputes. Equally common is help with writing wills, prenuptial agreements and cohabitation agreements. Questions about different types of property transfer, such as gifts, are common, as is help with setting up a future power of attorney.
Absolutely. By logging in to the My Pages section of the Familjens Jurist website, you can activate your Legal Insurance. There you will find digital services covering various legal documents.
You can use your 15 hours anytime until the end of the year, at which time the hours that have not been used expire and you receive 15 new hours for the coming year.
15 hours will go a long way, both for advice and the digital access you get to the most common legal documents relating to family law, such as wills, cohabitation agreements and future power of attorney.
Drawing up an estate and property inventory, for example, usually takes less than 15 hours.
You will have a discounted price for any additional hours provided by Familjens Jurist.
If you take out Folksam Legal Insurance within 3 months of receiving the offer, the cover applies from the date stated on your insurance policy document.
If you choose to take out the Legal Insurance at a later time, it will take effect 6 months after the date stated on your insurance policy document.
No, migration issues are not included in the insurance cover.
Familjens Jurist can provide help with a number of family law issues where the laws of two countries affect each other, for example in divorce, estate registration and custody matters.
Everything included in the insurance cover also applies to citizens of other countries, but Familjens Jurist can only give advice on Swedish law.
Familjens Jurist can help with migration matters, but this is not covered by the Legal Insurance. This is an additional service that you can pay for separately.
Between one and four weeks, depending on the type of matter the case concerns.
If you are a member of the union as a self-employed person, legal advice on and preparation of the following documents is included in the insurance cover:
- Shareholder agreements.
- Share transfer agreements in unlisted companies.
- Transfer of assets.
- Gifts of shares.
- Employment contracts.
- CEO agreements.
- Confidentiality agreements in employment contracts.
- Amendment of the articles of association.
- Minutes of shareholders’ meetings.
- Change of company signatory.