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Group legal plans proactively market their pre-paid legal services. Consumer protection advice and help with government agencies are services consumers want. The same is true for identity theft protection and credit monitoring. It is essential for any vendor to remember that the quality of service is as important as the benefit itself.

Good Service Is Personal

Vendors will use automation to cut costs. The price quoted to a prospective client is low, but you get what you pay for. Waiting 30 minutes or more for a call center associate is poor service. Q and A pages do not always resolve problems.

Legal issues are sources of high anxiety. Warranty problems are not easy to understand, and legal documents are confusing. A group legal plan member expects more for the premium dollars paid. That individual wants the plan to go one step further to find solutions to unexpected issues or legal emergencies. Continue reading

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American consumers thrive on plastic. Credit cards are preferred over cash despite the double-digit interest rate those cards will charge. There isn’t a problem if a person pays attention to the balances. Financial wellness will suffer if an individual ignores the credit debt creeping skyward.

Trouble Has Many Sources

It is not fair to say a card user is an impulsive shopper with no fiscal awareness. Sometimes a major expense, such as auto repair, happens. The debt balance rises accordingly, and spending habits are not adjusted. People will also grow accustomed to paying for common items, such as groceries, with Visa or MasterCard.

A person who loses control of his or her credit card can feel overwhelmed and anxious about finances. Countrywide Pre-Paid Legal Services is aware of customer anxiety and wants to help. We have a Financial Wellness Plan employees may use to their advantage. Continue reading

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Everyone is relieved the tax season is over. The Internal Revenue Service got its fair share and we are done with the 1040 tax form for this year. However, this does not mean everybody is finished with tax paperwork.

Property taxes can be a quarterly, bi-annual, or annual event. It all depends on the jurisdiction or the property. People may dispute the property taxes assessed. There are procedures for appealing the tax amount. Not everyone understands the appeals process and how important certain information is for a successful appeal. Their case is consequently rejected because of this ignorance. There are also other matters that deal with public agencies. Parents may need special services for a disabled child or an elderly parent. Foreign born employees are not always familiar with the process and cannot get needed assistance. Group legal plans should offer help with public agencies. Countrywide Pre-Paid Legal Services provides such assistance to our plan members.

Assistance with Public Agencies

Government entities have regulations and guidelines which direct activity. Public employees must follow these procedures and Countrywide knows this. Our nationwide network of attorneys is familiar with the rules because the lawyers interact with public agencies. Continue reading

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Medical costs are rising with no chance of them dropping in the future. Management is trying to slow the process of inflation with various forms of cost-containment. Medical cost cuts into profits but decision makers must be aware of how healthcare bills affect the rank-and-file. An employee’s financial wellness can be at risk.

Deductibles Don’t Contain Personal Cost

The standard health plan deductible is now $5000 or more. Anyone who has surgery or physical therapy may face a substantial bill for treatment. A lack of understanding can result in poor decisions on how to manage the payments. Failure to pay will cause collection agencies to call and threaten consequences.

Countrywide Pre-Paid Legal Services understands the challenge employers face with medical costs. Higher deductibles are better than cutting services and there is little chance of a reduction in deductibles. We suggest an organization consider a financial wellness plan to help employees better deal with deductible expense. We offer a plan which includes assistance with medical bills. Continue reading

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Group legal plans will aggressively market their pre-paid legal services. These companies will make a point of telling what they will do for a client’s workforce. We have no problem with anyone promoting what they can do. Nevertheless, we maintain the right formula for any group legal plan is S + E = Q (Service + Empathy = Quality). Countrywide Pre-Paid Legal Services adheres to that formula.

Helping All Plan Members

Countrywide wants to help plan members with common everyday legal challenges. The problems vary from person to person. One may need help writing a simple will while another wants advice on how to file a consumer protection complaint. The Countrywide group legal plan exists to assist.

We do not rely on webpages to provide service. All our pre-paid legal services are provided by seasoned attorneys. Lawyers are part of a nationwide network. We have legal professionals practicing in a client’s community. Countrywide encourages rapport between the plan member and the lawyer. The relationship is cultivated in several ways. Continue reading

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Young employees arrive with enthusiasm and technical expertise. They want to hit the ground running and contribute to an organization’s success. Employers like this and an organization will benefit if the new employees can focus on their projects. It is hard to do that if a person’s financial wellness is in trouble.

The Education Cost

College expense is a fright. Tuition for four years can be in the six figures and loans are required to pay the education bill. Young graduates don’t worry about payments until the grace period is over. Reality then hits like a tidal wave. Monthly payments might be as high as a home mortgage. This is in addition to rent, auto loans, and other expenses a new graduate must manage.

Young employees often lack good financial skills. Such knowledge is not offered in school curriculums and a graduate struggles in a sea of confusion. He or she makes some serious mistakes because of ignorance. Forbearance is a common way of avoiding debt, but the figures only grow and will not go away. Continue reading

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Pay raises and promotions will increase an employee’s income. Extra money is always welcome, but is it enough? The financial wellness of an employee can be a paycheck to paycheck experience. It helps when people know their budget and understand their financial worth.

The Need for Budgets

Few employees choose to be financially irresponsible. Most know the importance of budgeting but do not understand the mechanics. A young employee might develop a tight budget with every penny allocated to a specific expense. An emergency will throw that kind of budget into chaos. An older employee might not contribute to his or her HSA or 401(k) program. A hefty medical bill will cause nightmares and poor retirement planning makes the golden years bitter.

Future purchases will require putting money aside. An individual must save for down payments on a house and figure out how to pay a monthly mortgage. Money matters can be confusing, and some assistance is appreciated. Countrywide Pre-Paid Legal Services has a Financial Wellness Plan that makes sense of a person’s budget and financial worth. Continue reading

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People get annoyed with government. There are benefits and services they are qualified to receive, but nothing appears to happen. Applications are rejected and deadlines are missed. It appears an individual is not getting what he or she deserves. These difficulties are even greater for new immigrants and their families. Group legal plans offer a significant benefit if they assist in dealing with government agencies. Countrywide Pre-Paid Legal Services does offer such help to group legal plan members.

It Depends on Information

Public employees are not trying to be difficult. Consumer-friendly service is a priority and the various agencies want to help. Information can be a stumbling block. Services require specific information before they are approved. Online applications can be confusing, and the wrong data supplied.

Countrywide has a nationwide network of attorneys. These professionals have continually worked with all levels of government and know how information must be presented. They will help a group legal plan member submit a better-organized application with all the needed data. Continue reading

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Young employees are not irresponsible. They know they must pay their bills and live within their means. Unfortunately, the real-world hits them with a major challenge that affects their overall financial wellness. It is college debt.

Skills Are Acquired at a Cost

Young employees are social media savvy and have technical skills to boost an organization’s productivity. The achieved expertise comes at a price. Many college students go into major debt to finance their education. The final total may be in the six figures and can take years to finally pay off.

The paycheck is there but too many college graduates do not understand personal budgeting. Attempting to be responsible, a new employee might send a large payment to the college creditor and this might cause issues with other bills. Continue reading

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We live in an information world. Much of it is useful, but only if a person has access to it. Legal matters often appear vague and difficult to research. Individuals need information in the form of answers to questions. It is also important to receive suggestions and guidance on legal professionals. Not all group legal plans can deliver the goods.

Taking the Easy Way Out

Automation makes matters convenient but is not always consumer friendly. Alexa type response mediums can work for certain products but not pre-paid legal services; chat room member services are not much help, either. Consumer protection gets complicated and estate law varies from state to state. People want to be able to make telephone calls to attorneys without being charged. They want to talk face-to-face with a real person about medical powers of attorney. Consumers don’t want to scan legal documents into a portal for review. In short, a group legal plan must offer member sensitive services that provide information. That is what Countrywide Pre-Paid Legal Services does.

Stressing Personal Contact

We have a nationwide network of lawyers in our group legal plan administration. These professionals practice in the communities where our clients are located and the attorneys are easy to contact. Countrywide encourages face-to-face meetings. These are easy to schedule because a Countrywide group legal plan member has priority status. Continue reading