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제가 쓴글을 kim 3 님 의 사이트 에 인용해서 답을 주신것으로 써있는데 조금 아직도 misleading 된부분이 많은것 같아 조금 보충으로 발최한 부분을 올립니다. 독자들이 알아서 결정 하십시요.

Prepaid Legal Service – Exclusions
적용 안되는 사항 들 의 일부를 적어 봤습니다.

Motor Vehicle Legal Services: These services are available 15 days
after enrollment.
Representation under this benefit is provided when the member
has a valid driver's license and is driving a properly licensed
motor vehicle.
Any fines and court costs are the member's expense.

Pre-existing conditions, charges of DUI/DWI related matters,
drug-related matters, hit-and-run related charges,
leaving the scene of an accident,
and unmeritorious cases are excluded.

멤버 로서 커버 가 안되는 예외 사항: 이 멤버가입 전의 일어난 일이나, 음주운전, 마약 사범에 관련된 일, 뺑소니 사건,이나 근거없는 소송사건 들은 제외 됩니다.

Commercial vehicles with more than two axles are not covered.
These services are limited to two and one-half (2-1/2) hours
of lawyer time per claim and do not include the filing of a lawsuit
and exclude personal injury and property claims that exceed
$2,000.
However, you may receive a 25% discount and consult
with your Provider Law Firm under the toll-free consultation
benefit for any exclusions under this benefit.

Trial Defense Services: This coverage applies only to
the named member and spouse. Divorce,
separation, annulment, child custody or other
divorce-related matters, bankruptcy, charges of DUI/DWI,
drug-related matters (whether prescribed or not),
hit and run, leaving the scene of an accident
and civil or criminal charges occurring as a result of
operating a commercial vehicles with more than two axles
are not covered under this benefit, but are covered by the
preferred member discount.

Additional exclusions under this benefit:

Being named in a civil lawsuit or having criminal charged
filed against you because you are listed as an owner,
management or associate of the business and
you had no direct involvement with the act or
matter that gave rise to the lawsuit or criminal charge.
Those charges are covered with your preferred member discount

적용안되는 사항들: 이혼, 별거, 혼인무효, 자녀양육권, 등 의 이혼에 관한사건. 파산, 음주운전, commercial vehicle 운전시 발생한 민사/형사 사건, 비지네스 운영 을 직접안하지만 비지네스 에 주인 이거나 Management 혹은 Associate 으로 등록이 된어 민사/형사 사건으로 고소를 당했을 경우.
다만 멤버로서 25% discount 의 혜택을 받을수 있음.

Preferred Member Discount: Depending on your legal needs,
a retainer may be required by your Provider Law Firm prior to
services being rendered under this discount.

Your Provider Law Firm is responsible for determining the
amount of the retainer and any other anticipated costs.

Other costs you may incur include fines, court costs,
penalties, expert witness fees, bonds, bail bonds, and any
out-of-pocket expenses.

These costs are your responsibility and are not included
as part of membership benefits.

Your Provider Law Firm cannot provide any legal services
until payment of the retainer and other costs have been made.

If you need representation in court, you must notify your
Provider Law Firm at least five business days in advance
so they may prepare for your case.

“멤버라 해도 법정에 가기전에는 Retainer 비 를 내야될지도 모릅니다” 라고 적혀있습니다. 이럴경우에는 거의 법정에 가기전에 Retainer fee 를 안내면 위에 적혀있는것 같이 변호를 안해줍니다.

Costs
1. Expanded Family Plan: $25/month plus $10(one time fee)
2. Standard family plan: $15/month plus $10 (one time fee)
3. Business Plan: 1-50 employees $75/month plus $10(one time fee)
4. 51-99 employees: $125/month plus $10 (one time fee
5. Legal Plan for Self-employeed: $49/month plus $10 (one time fee)

그리고 멤버쉽을 들면 자동으로 구좌에서 금액을 자동 이체하는 것에 동의 해야 하는군요.
Kim3 님 이 날하는 $39.95 은 무슨 plan 인지는 안나와있어서 모르겠지만 이 Exclusion(예외조항) 들은 거의 다 균등하게 적용됩니다.

더 많은 적용 안되는 사항들이 나와 있으나 관심있는분들은 자세히 Exclusion 조항 을 읽어보시기를 권합니다.