Page 8 THE BATTALION
THURSDAY, NOVEMBER 9, 1978
HAMLIN TIRE
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Ray Hamlin
713-779-2181
Mark Hamlin
Prepaid legal aid
attracting interest
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United Press International
NEW YORK — Formation in
Chicago of the first prepaid legal
plan to serve the general public
rather than a union or professional
group is attracting wide interest.
Financing such plans on an insur
ance basis is a potential big new
market, but insurance company
managers aren’t really counting on
anything yet. Too many obstacles
and too many uncertainties have to
be overcome.
The Chicago group actually is of
fering two plans, one costing $125 a
year and one $50. The legal services
it provides are non-criminal, dealing
with such matters as real estate clos
ings, wills, landlord-tenant prob
lems, consumer complaints, adop
tion and some marital legal rows.
Unlike most union and professional
prepaid legal plans, it also provides
income tax preparation advice.
Prepaid group legal plans have
been a long time coming of age. At
tempts to establish them beginning
in the 1920s met with prolonged
opposition from bar associations. In
1971, however, in a case from
Michigan involving the United
Transportation Union, the Supreme
Court rejected the bar associations’
objections. Since then, some have
changed their attitude and have
begun to cooperate in setting up the
plans.
There now are 3,500 prepaid
group legal plans in the United
States representing union or profes
sional groups or the employees of a
single company.
President Carter gave the move
ment a big lift in a speech last sprine
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before the Los Angeles Bar Associa
tion. Carter previously had rebuffed
an attempt by lawyers to have the
group legal plans deprived of their
tax exemption. After the president’s
speech, the Federal Trade Commis
sion began to press an inquiry to de
termine if local bar associations still
are trying to prevent lawyers from
working for the group legal plans.
In his speech, the president
charged that under the present sys
tem “90 percent of our lawyers
serve only 10 percent of the
people.” Other surveys indicate that
70 percent of the population, the
middle classes, rarely seek legal
services even when they need
them.
The group plans presently in exis
tence cost their members anywhere
from $12 to $300 a year. The range
of services offered varies consid
erably. Some even offer initial
routine services under the criminal
laws. As in medical groups, there
are both closed and open panel
plans. In the closed panel plan, you
take the services of the lawyer as
signed to you; under the open plan
there is a choice of lawyers.
In a recent report on the status of
prepaid group legal plans. Hay
Huggins Associates, the large
Philadelphia management consult
ing firm, listed these barriers to
rapid growth of the movement:
— General public ignorance of
the subject.
— Inflationary pressures on
families to spend more on health,
pension and other insurance costs
and to have more take-home pay.
This makes them less willing to buy
group legal insurance.
— Ambiguities in state insurance
laws which the plans will have to
overcome.
— Difficulty in predicting costs
accurately.
— Disinterest on the part of
much of the insurance industry.
Supplies for the
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PLAIN TALK
FROM ARMCOON
FINDING A JOB:
Why too much regulation may rule you out
How would you like to be forced to get permission from
379 separate Government agencies before you could work?
That’s what Armco has to do. We think you could hear a
similar story from nearly any large company in America—
if the regulatory paperwork leaves them any time to talk
to you. Excessive regulation threatens your chance of
getting a job.
Most of us agree that the goals regulation seeks are
important. Clean air and water. Job safety. Equal rights at
work. The problem is the way Government people now
write and apply specific rules to reach those goals. Too
often, the rules don’t really do the job. They just tie com
panies up in knots as they try to comply.
Last year, federal regulations took up a twelve-foot shelf
of textbook-size volumes printed in small type. 13,589 more
pages were written last year alone. And Washington is
more than matched by a growing army of state and local
regulators.
Nobody really knows how much money regulation
costs. Some say it’s up to $40 billion a year. Spread
that cost out over everybody and it comes to almost
$200 a year for every man, woman and child in
America. Companies paying the bill can’t use
that money for jobs. A new job, on the aver
age, now costs a company $45,300 in capital
investment. (Armco’s own cost is $57,520.)
At $45,300 per job, regulation last year ate
up the money which could have created
*
happens to a company’s jobs is. Here’s an example:
Safety regulations require companies to install special
guards over electrical components to protect people from
being electrocuted. Like most industriad companies, Armco
has scores of giant, built-in electrical cranes to handle huge
loads. Their electrical components are in the top of each
crane, high away from the plant floor. To maintain and
repair the electrical system, safety guards have to be re
moved so work can be done. Except for expert electricians,
no one ever goes up on top of a crane. Yet unless we win
a special dispensation, we’ll have to install a useless set
of guards on every Armco crane at a total cost of some
$6,000,000. That wastes enough money to create 120 new
Armco jobs, right there. Even though Armco people are
ten times safer on the job than they are away from work.
Next time anybody calls for a new regulation, you might
ask for some sensible analysis of the costs and benefits—
including how many jobs might be lost.
One of those jobs could be yours.
Let us hear YOUR plain talk about jobs! Well send
you a free booklet if you do
Does our message make sense to you? We’d like
to know what you think. Your personal ex
periences. Facts to prove or disprove our
point. Drop us a line. Wed like your plain
talk. For telling us your thoughts, we’ll send
you more information on issues affecting
jobs. Plus Armco’s famous handbook, How
900,000 new jobs. ^ to Get a Job. It answers 50 key questions
No sensible American wants to dismantle -// r it ,r
all Government regulation. But we
think the system has gone berserk and
the cost is out of control.
Plain talk about REGULATION
Besides our 379 permits, Armco at last
count had to file periodic reports ,
with 1,245 federal, state and local
agencies. What happens to
Armco and other companies
isn’t that important. But what
you’ll need to know. Use it to set yourself
apart, above the crowd.
Write Armco, Educational Relations
Dept. U-4,.General Offices, Middletown,
Ohio 45043. Be sure to include a stamped,
self-addressed business-size envelope.
ARMCO
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‘Keeping Busy'
Denise Valdez, left, and Yolanda Burke were
looking for acorns near G. Rollie White Col
iseum Tuesday afternoon. The girls are in a
class at a local day care center that attends a
Creative Class twice a week at Texas A&M
University. They were waiting for buses to
take them back to school.
Battalion photo by Lynn Blame
EEPHE
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Wins without House term
Kansas senator is female
IDLLEi
Regai
Room
United Press International
Republican Nancy Landon Kas-
sebaum of Kansas can claim a bit of
history as the first woman ever to
win a Senate seat without first hav
ing served in the House or complet
ing a husband’s term.
Kassebaum, daughter of 1936
GOP presidential candidate Alf
Landon, was the major woman
victor in Tuesday’s election as 47
women ran for federal office — a
drop from the 1976 level of women
candidates.
Maryland became the first state to
field a House delegation equally di
vided between men and women. Its
three female incumbents, all of
whom won re-election, were joined
by Beverly Butcher Byron, widow
of Rep. Goodloe Byron, who died
during the campaign.
In the only other Senate race in
volving a woman, Democrat Jane
Eskind, a former member of the
Tennessee Democratic executive
committee, was soundly beaten by
Senate Republican leader Howard
Baker of Tennessee. Baker is con
sidered to be a possible 1980 presi
dential contender.
Gov. Ella Grasso of Connecticut
easily won re-election to a second
term, continuing her 25-year string
of running successfully for political
office.
And in California, Rose Elizabeth
Bird, whom opponents labeled
“soft" on criminals, kept her job as
the state’s first woman Supreme
Court chief justice. Voters con
firmed her appointment by a 52-48
percent ratio.
Forty-five women ran for House
seats, including 15 of the 18 incum
bents, and it appeared the number
would remain at just about 18.
Five women incumbents had no
opposition: Reps. Corrine Boggs,
D-La., Barbara Mikulski, D-Md.,
Margaret Hechler, R-Mass., Mary
Rose Dakar, D-Ohio, and Marilyn
Lloyd, R-Tenn.
For the most part, women in
cumbents seeking re-election won
handily, but two. Democratic Reps.
WM P D
Helen Meyner of New Jersey
Martha Keys of Kansas, were;
feated.
However, Byron of Marylandi
be joined by two other neww
in the House: Olympia Snow,il
publican from Maine,
Gerwdine Ferraro, a Newli
Democrat.
Much of the effort by
women’s group in this election'
at the state and local level. Atoli
1,348 women were involved
for state legislatures this year
percent more than in 1974
Demo;
Eight states had races for lien!
ant governor involving women
Colorado, voters elected
Nancy Dick as that states
woman lieutenant governor.
Carolina also chose a woi
lieutenant governor, Denv
Nancy Stevenson.
But California voters soundly
feated former Rep. Yvoi
Brathwaite Burke in her bid fa
torney general.
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MSC Great Issues
Presents
“Human Rights and
Soviet-American
Relations: A Soviet-
American Debate”
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Mr. Melor Sturua, Bureau Chief of Izvest-
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Soviet view, and Mr. Robert Kaiser of the
Washington Post will present the Amer
ican view.
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November 9th
Rudder Theater
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