This is very sage advice. I had a complete set of legal documents prepared for me including a revocable trust with incapacity clause, will, appointment of guardianship, power of attorney, medical directives, etc. A legal services plan thru my employer only covered preparation of a simple will. If a simple will is all you require then sign up for the legal plan. However, if your financial and medical situations are more complex secure the services of a good estate/trust attorney. Otherwise the State will decide for you what happens.
I’ve seen what a couple of my friends have had to go through without these documents when dealing with other people in their families. It was both time consuming and expensive.