Articles Posted in Employee Benefits

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Expert Advice Makes It Easy

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College loans have a time trap. Certain loan programs allow for a fixed period of time to get a degree. If a student’s time in school is accidentally prolonged due to being closed out of a class, it doesn’t matter. Loan programs also have a short grace period of perhaps no more than six months. After that, payments are expected on a routine basis. It is a situation where the overall cost can grow, and a student has very little control over that.

Recent college graduates who are in their first full-time job feel the pressure and the mounting anxiety. Their college loans must be paid, but the same is true for the rent and utilities. Financial wellness is under serious threat, and the person may be looking at possible bankruptcy. Organizations can help fix the problem if they look at the Countrywide Pre-Paid Legal Services program.

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Knowledge Can Save a Buyer Thousands of Dollars

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It is possible that the new tax reforms will change the housing industry. Changes in tax deductions can cause more people to rent, causing the price of housing to drop. It means that the house is no longer a financial investment but a home. It can cause a change in attitude for a lot of people because they may have to hold onto a house longer than they originally thought. Purchase of a house, therefore, becomes a long-term investment.

The house is also the largest investment most people will make in a lifetime. It is more complicated than a retail transaction. There are mountains of paperwork and procedures involved in the purchase. Not everybody understands how to qualify for a loan, but it is a very important part of the financial wellness issue. It also is true that some of the actors in the home investment process are not committed to helping people. We provide education to help homebuyer be a smart shopper. Continue reading

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Law in the United States is rich in its diversity. There are various kinds of legal specialties such as marine law, domestic and juvenile, Internet law, and various types of property law where an attorney can specialize. Countrywide Pre-Paid Legal Services offers one of the best group legal plan benefits in the country. However, we admit that our attorneys do not know every single type of law. Sometimes, a pre-paid legal services plan member needs special service.

Countrywide has a nationwide network of attorneys ready to assist plan members. If there is a need for specific legal advice, Countrywide will make a referral to the right attorney. This is where many group legal plans stop, but we will go a little bit further for our members. Continue reading

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The Right Words Matter a Great Deal

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We are surrounded by technology. There are mobile apps, Internet websites, and social media intended to connect us to other people and the services we need. That’s nice, but it doesn’t always work. There are some needs, such as pre-paid legal services, that need a little bit more than the tap of a mouse pad to connect. A group legal plan is judged by the quality of the services provided.

Human Contact is Essential

People need answers that are more developed then a recording or script on a website. The legal dilemmas folks encounter may require separate answers for individual concerns. It is something that is not easily done with technology. People matter when it comes to pre-paid legal services. Arranging a meeting with a lawyer is not always done by other group legal plans. Countrywide not only makes meetings easy but encourages such conferences. Our nationwide network of attorneys allows for a plan member to easily get in contact with a lawyer. The consultation can be arranged, and a face-to-face discussion allowed. Continue reading

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Financial Wellness Plans Can Help

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Adjusting to the real world can be a struggle for Millennials. These people are extremely bright and tightly savvy, but finances could be bewildering. In addition to college loan debts, which are substantial, there are credit card difficulties which arise. Millennials sometimes get very frustrated with having to balance the figures. Their financial wellness sometimes gets in trouble.

A List of Worries

Coping with debt the size of a mortgage is hard for anyone. Millennials face this challenge six months after they graduate from college when the grace period is over. Their first paycheck seems to be snatched away by creditors, and they don’t have money for necessities. The trouble is an inability to budget. Countrywide Pre-Paid Legal Services is sympathetic to their needs. We have a financial wellness program to help these young people get a grip on their personal ledger sheets. Continue reading

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Deductibles Create Sizable Expenses

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Folks are understandably concerned about credit card debt and college loan payments. There is another major financial presence in the room and has to do with health. Medical care is not inexpensive at all. In fact, some of those bills pose a real danger to a normal person’s financial wellness.

Deductibles are the Problem’s Source

Organizations have tried to control costs by raising the deductible in their health plans. It is a management decision with which most healthy people have no problem. However, anyone who must have surgery for a broken arm or leg knows what the price can be. Such medical attention can cost thousands of dollars, and the deductible must be met before full coverage kicks in. Moreover, the deductible starts all over again each year, so that anyone who has therapy in one year may be paying even more if the therapy also takes place in the following year. Some employees are drowning in a sea of medical bills. Countrywide Pre-Paid Legal Services is aware of this dilemma. We choose to respond to it by offering medical debt assistance in our financial wellness program. Continue reading

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Millennials Want Assistance from Employers

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Student debt is a big topic at the dinner table. Families with college kids talk about it all the time, but the anxiety does not end once that student graduates. Instead, after the six-month grace period, the bills start coming in, and they are enormous. Undergraduate debt can be in the five figures, and when graduate debt is added a young person faces perhaps $100,000 or more of college debt. This has a major effect on financial wellness.

Avoidance of Forbearance

Recent graduates who have landed that first job are in the process of making the major life decisions. These judgments are influenced by the amount owed to the government or lending institutions. The college debt can force choices a person does not want to deal with. There are cases where young Millennials simply try to ignore the bills they owe and seek forbearance. Countrywide Pre-Paid Legal Services appreciates the state of mind of these young people. We know it is a sobering process to deal with college debt, but it is not an impossible obstacle. We have financial wellness counselors to help. Continue reading

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Countrywide Will Draft One for You

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Drafting wills is a common benefit of a group legal plan that some folks avoid. The last will is not on everyone’s daily bucket list, and there are those who want to forget about it. This is a recognition of mortality but drafting a will is a pre-paid legal services benefit that cannot be ignored. It helps prevent time from becoming a real thief.

Intestate is a legal term for an estate for which there is no will. Those estates which have a simple will attached to it move quickly through the courts. Intestate situations do not. Instead, they become a matter for the probate court which takes a very active role. Continue reading

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Countrywide Counselors Provide the Best Advice

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More and more surveys are noting that Millennials want help with their college debt. The figures each graduate owes is very high and has a serious impact. The financial wellness and quality of life of the individual can be harmed by college debt. If these bills are left untended, bankruptcy and credit problems will surface. There are other consequences as well.

The amount of money owed will impact on life decisions. Recent college graduates may have to forgo buying a house or saving money for other reasons. The college debt must be paid and other bills are still waiting for cash. Organizations do not have to give direct financial subsidies to these people who are facing tough financial situations. Many times, expert advice works just as well. Countrywide Pre-Paid Legal Services has a nationwide network of certified counselors stands ready to offer assistance. These are professionals who have experience with telling people how to best manage large amounts of debt. Continue reading

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Legal Paperwork Doesn’t Have to be a Mystery

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Legal documents sometimes seem to be an ocean of words. People get very easily confused by the language, but they cannot take any of it for granted. What is in a document or contract can be binding and group legal plans are effective if they allow for review of these papers.

We Will Review the Documents

The nationwide network of Countrywide attorneys can review up to six pages of a contract. That is ordinarily the size of a standard legal document. The review is not just restricted to contracts, however. There are other legal papers that regular citizens encounter all the time. Countrywide Pre-Paid Legal Services can help. Continue reading