stockfresh_3802975_legal-advice-road-sign-illustration-design-over-a-white-backgrou_sizeXS-300x140

Group legal plans have benefits that assist people in everyday legal problems. Pre-paid legal services such as drafting wills and consumer protection are standard options. Nevertheless, a good employee benefit must have more than just primary aid. A good group legal plan will have secondary benefits which support the main ones. Countrywide Pre-Paid Legal Services offers comprehensive help to the employees of our clients.

Access to Required Help

There must be more than a call center for people who have legal issues. The law is a service best rendered in face-to-face conferences. This is not easy if the primary service providers are far away. Countrywide uses a nationwide network of attorneys. What is nice about our arrangements is the attorney practices law in the same community as our client. A face-to-face conference with a Countrywide attorney is convenient and easy to arrange.

The plan member may get nervous in the meetings and forget to ask some questions. Ordinarily, a follow-up telephone call is a billable service but not when it comes to the Countrywide benefit. We will allow an unlimited number of telephone calls on a given situation. That way, there is less confusion or misunderstanding about the assistance provided. Continue reading

stockfresh_2581878_sad-couple-in-financial-trouble-in-their-living-room_sizeS-300x200

Sudden expenses can cause anxiety and panic. The emotions lead to poor decisions which will cause even greater problems. Those who do not understand how to manage their money can be in a state of confusion and stress. Their financial wellness can be in trouble.

Countrywide Pre-Paid Legal Services wants to help people maintain control of their money. We believe most cash problems can be resolved with proper advice and guidance. We have a Financial Wellness benefit that allows people to resolve those financial emergencies which arise.

The Use of Experienced Counselor.

It is not enough to post advice on a webpage. Those who do not know what to do will appreciate personal contact. Countrywide will use its network of certified counselors to help reduce the stress and regain financial wellness. Continue reading

stockfresh_5472698_hand-signing-last-will-and-testament-document_sizeS-300x200

Death will come unannounced. An individual may die while asleep or from an unexpected heart attack. While we can’t always prepare for death, we can protect our loved ones from the consequences with a simple will.

People Forget

You can’t take it with you is an old saying. It is true, but you can leave a hot mess when you exit. Dying without a will leaves your loved ones in a state of limbo. Probate court appoints an administrator who reports directly to the bench. There is no executor of the will and the estate settlement will drag on for months or even years.

People forget to write wills and families pay for such negligence. There are bills to be paid such as tuition and badly needed money from an estate is not available. Moreover, there can be bitter squabbles over the estate that result in long-term family feuds. Group legal plans will draft simple wills for plan members. Countrywide Pre-Paid Legal Services will prepare those final documents as a benefit option. Continue reading

auto-warranty-300x203

Graduation presents are not always gift cards. A smartphone, tablet, car, or another very expensive product might be the reward for getting a diploma. Smart shoppers will get a repair warranty on those big-ticket items. Unfortunately, buying the warranty doesn’t always mean you can use it.

The Murky Wording of the Warranty

Consumers will purchase warranties sight unseen. They buy the protection without understanding the details. A warranty is a contract with specific action required. Warranty language might also specify only certain repair parts may be used. Moreover, only certain repair shops can be used and the warranty is good only for a given period of time.

Retailers will take advantage of a buyer overlooking important details. They, the retailers, might not volunteer the information needed to use a warranty and the buyers are left with a worthless piece of paper. That person feels frustrated because he or she spent money for nothing. Continue reading

stockfresh_121705_tax-calculator-and-pen_sizeS-300x199

Understanding cash flow is a major part of financial wellness. Being aware of where the money is coming from and where it is going to will prevent many emergencies. It is amazing how many people do not appreciate this simple budgeting fact.

Budgeting isn’t rocket science, but many employees do not know how to do it. They will live from paycheck to paycheck without fully covering expenses. It can lead to financial trouble that hits without warning and creates serious domestic problems.

Countrywide Pre-Paid Legal Services helps people deal with routine financial problems and advises how our Financial Wellness Plan helps employees organize their money more efficiently. Continue reading

stockfresh_3279849_costs-benefits_sizeS_e3a3fc-300x200

Many group legal plans will emphasize the primary services which they offer. It is understandable they do this, but the quality of pre-paid legal services does not rest only with the major features. Indeed, the other services, those which are offered regardless of the selected benefit options, do a lot to enhance the value of the group legal plan. The additional benefits cannot be taken for granted.

Countrywide Pre-Paid Legal Services provides the kind of benefit options any organization would like to have. We go one step further by giving additional service that makes our overall benefit that much more appealing. These are offered regardless of what options a client selects for the group legal plan.

  1. Face-To-Face Conferences

Countrywide has a nationwide network of attorneys who will assist plan members. We will not rely on website pages or call centers. Instead, we make it easy to have face-to-face meetings with an attorney. Our lawyers practice in the community where an organization does its business. It is very simple to arrange for a meeting with a Countrywide attorney. That Countrywide plan members have priority treatment makes things even easier. Continue reading

stockfresh_3231743_man-putting-coin-into-small-piggy-bank_sizeS-300x200

Employees want to have a comprehensive benefits program for their employees. Benefits that complement each other are more cost-effective and people are more likely to take advantage of what their managers offer. Millennials and those just graduating from college need help with their college debt. Furthermore, they need to find ways to prevent college costs from overwhelming their financial wellness.

There Is a Need to Stretch Educational Assistance

Management understands that employees in school need a helping hand with their college expenses. It is why educational assistance programs were developed in the first place. Such assistance is appreciated but it doesn’t go as far as it could.

The cost of higher education has skyrocketed in recent years. The cost of tuition is often more than what companies can provide as education assistance. Employers can still provide needed support and it doesn’t mean increasing the educational assistance budget. Continue reading

stockfresh_4514580_referrals-3d-words-connected-arrows-new-customers-word-of-mouth_sizeS-300x300

Group legal plans will proactively market their pre-paid legal services. Prospective clients receive all information about the benefits and how their employees will be served. A big question which some vendors try to avoid answering is: what happens when the attorneys can’t perform the needed service?

Law Is Not Simple

The rules of law in the United States depend on the type of jurisprudence. There are several niche legal areas where specialized attorneys practice. These can include consumer law, immigration law, probate and estate, and HOA law. Not every attorney is familiar with the practices of specialized law and, therefore, those attorneys with a unique set of legal skills are called upon. The problem is that their services are not cheap.

But the advice of these attorneys might be needed by a group legal plan member. This same person may be frustrated by a group legal plan which does not allow for referrals. Even if referrals are included, there may not be a discount for this service. The plan member is constantly forced to bear the cost which might be rather steep. Countrywide Pre-Paid Legal Services is proud of the quality of advice and guidance our network of attorneys provide. However, we understand that these attorneys may have no expertise in highly specialized law. Rather than not provide a needed service, we will provide referrals in situations where a lawyer with a legal specialty is needed. Continue reading

stockfresh_1104622_falling-credit-cards_sizeS-300x200

Credit cards are a major part of American commerce. People try to use credit cards as little as possible and some will try to do without credit completely. This is almost impossible. Emergencies arise that require the use of credit and retailers encourage the use of credit cards with special deals. Some of the special deals are traps that will threaten an innocent victim’s financial wellness.

The Nature of the Beast

Retail stores want people to use credit cards for a very simple reason: consumers will purchase more with plastic than if they had cash in their pocket. Some of the deals include offering credit cards at zero interest rate for a specific period. Other deals involve substantially reduced credit costs. Some credit card companies attempt to persuade people to consider a consolidation loan through the credit card. That latter one is deceptive because it permits a person to put a large amount of debt onto a single credit card in return for a significantly reduced rate of interest.

This all sounds attractive, but the devil is in the details. Not everyone is willing to read the fine print of some of the offers. For example, failure to make a payment on a consolidation loan will result in a significant interest charge. Other deals require that a given amount of money must be charged on the card or the lower interest rates will not apply. People get in trouble when they don’t understand the terms and conditions of a credit card. A person can end up in deeper trouble. Continue reading

stockfresh_1701311_stethoscope-and-dollar_sizeS_f73430-300x200

A major threat to financial wellness is panic. A person gets a sizable bill in the mail and his or her anxiety spikes. A hasty decision is made that only makes matters worse. One source of alarm is medical bills.

A One-Two Punch

Healthcare costs are not going down despite efforts to control the inflation. Deductibles are growing as employers try to reign in premium costs and new therapies are expensive. These pose a serious challenge to any individual.

People will get upset when they see the bill. Hasty decisions include paying off the entire bill (which can drain life savings}, taking out a loan(which might not be necessary), or using a credit card to pay the debt(generating sizable interest charges each month). The main problem is not knowing the best way to deal with medical debt. Countrywide Pre-Paid Legal Services knows how medical bills harm financial wellness. We offer a benefit to help manage those medical costs. Continue reading