America's Legal Concerns and Experiences Bridge the Generations

Des Moines, Iowa (PressExposure) August 11, 2009 -- A national study entitled “Legal Needs of Today’s Multi-Generational Workforce” showed the vast majority of Americans were concerned about legal related-matters and most had experienced personal legal needs in the past year.

The “Generations Study,” conducted by Russell Research, one of the pioneer firms in the market research industry, and commissioned by ARAG®, a global leader of legal insurance, reported:

Seven out of 10 people experienced family, financial, home, automobile or other legal-related needs.

Nine out of 10 people were concerned about one or more personal matters from a legal standpoint.

While most viewed legal services as beneficial, only one out of four people had a plan to pay for legal expenses.

“Americans in all stages of life experience legal needs,” said ARAG’s President and Chief Executive Officer Cameron Sutton. “So, it’s important to remember that timely, convenient access to legal resources can help people prevent or resolve legal-related matters that could affect them.”

The “Generations Study” also indicated:

Many legal concerns differed by generation – reflecting individual life stage or lifestyle – while other concerns, such as identify or credit card theft, spanned the generations.

The legal matters that most concerned Americans weren’t necessarily the things they most often experienced. For example, people said they were most concerned about estate planning, the death of an immediate family member and disputes over property and vehicle repair, but what they most often experienced were vehicle purchase/lease, apartment rental, traffic tickets and credit problems.

Overall, eight out of 10 people were concerned about financial-related matters, including the creation of a will/living will/power of attorney/estate plan/trust, but they most often experienced credit trouble/debt collection.

Home-related matters differed by life stage, with Generation Y focused on apartment rental/landlord disputes, Generation X on purchasing/refinancing a home, and the Silent Generation and Baby Boomers on repairing/selling a primary residence.

In automobile-related matters, however, the generations were in synch – all were concerned about and experienced vehicle repair/purchase/lease/sale and traffic tickets.

Sutton said the “Generations Study” offers valuable information about legal matters that can affect personal and professional relationships, job performance and productivity in the workplace. He noted that an earlier ARAG-commissioned study (“Measuring the Effects of Employee Financial and Legal Woes”) showed that people spent, on average, 57 hours while on the job addressing personal legal matters and that one out of three people took time off work – an average of 13 days – to deal with legal matters.

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About ARAG

ARAG ( is a global leader of legal insurance. It has an international premium base of more than $1.79 billion and protects 15.5 million individuals and their families – worldwide. ARAG offers comprehensive legal plans that provide a smart and trusted path for resolving legal issues. This enables people to protect their families, finances and futures. For further information, please contact

Press Contact:
Terry Birdwell
400 Locust Street, Suite 480
Des Moines, Iowa 50309

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Press Release Submitted On: August 11, 2009 at 5:54 am
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