Articles Posted in Employee Benefits

by

Any Assistance Means a Lot to Them

stockfresh_3558891_lawyer-and-client-in-office_sizeS_487dc8-300x200

 

Newly hired Millennial employees for a face many challenges. Quite a few are experiencing independent, adult living for the first time. While the paycheck looks great, financial responsibilities take away much of the money. It isn’t long before the grace period on college loans end, and a person has start making payments. There’s a certain amount of confusion which could lead to trouble with financial wellness. It is important to help these new staff members as they learn how to manage their cash properly. The individual determines the need to be addressed. To be sure, Millennials will perhaps be dealing with college loan debt but there are other financial difficulties. Countrywide Pre-Paid Legal Services has, in addition to group legal plans, a financial wellness program that has the objective of providing necessary information and guidance to all employees, particularly Millennials.

Professionals Teach the Financial Wellness Lessons

College debt is something that these young employees are forced to deal with, and many do not know all the ways to manage college debt. It is no surprise that Millennials who are doing well financially have no idea about refinancing their education loan obligations. Countrywide has a nationwide network of certified counselors. These are professionals who deal with modern money problems, including how to deal with college loan repayment. They can instruct a plan member on how to go about refinancing, and warn this individual against possible problems. Ignorance is the biggest threat to any Millennial. Not being able to develop a sensible budget can cause difficulty later. Our counselors will gladly talk with these young employees and do a budget analysis of their existing situation. It is amazing how often these hard-working employees discover they’re not quite sure how to manage their finances. A simple budget analysis performed by Countrywide counselor can clear up any confusion. Continue reading

by

The Holiday Season is Full of Thievesindex

 

Holiday shopping brings out the best and the worst in people. In this season of giving there’s also some underhanded taking going on. It can be someone standing behind you in line at the point-of-sale. That person is looking over your shoulder and memorizing your credit card number or your debit card number. It doesn’t take much more for that person to hack into your accounts and start doing a little illegal shopping. Group legal plans often provide a base program and nothing else. Countrywide Pre-Paid Legal services is different. We do offer group legal plan benefits, but we also have a means to protect your identity.

Time Helps the Thief

Christmas bills do not show up on credit cards until January. It gives an identity thief plenty of time to make some mischief. This individual can easily max out your credit card with purchases, selling the stuff on eBay or from a car trunk. You don’t know the damage until weeks later. Countrywide Pre-Paid Legal Services offer protection using email alerts. These Internet sent warnings tell an individual that there’s been some unusual activity on the credit card, allowing the owner to take corrective action immediately. These alerts come from the three top credit reporting bureaus and are highly reliable. Continue reading

by

Payments can be met spider-pocket-189x300

 

Employees generally like the employer-sponsored group health insurance. They appreciate the assistance given with medical expenses, particularly catastrophic bills. Employees grumble, however, about the deductibles. The deductibles in most employer-sponsored group health insurance policies have been rising steadily over the last few years. They’re at a point where the deductible can be a threat to financial wellness.

Deductibles Can Grow Medical Debt

An employee must use all the deductible before the full health benefit can be utilized. It is why those who file for bankruptcy due to medical debt ordinarily have health insurance; the deductible stands in the way of the health benefit. Continue reading

by

These Documents Provide Terminal Guidance

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

 

We often think our last moments will be in a bed surrounded by loved ones. It is a very romantic picture, but it is not often the case. Instead, a dying or comatose person is surrounded by nurses and doctors wondering what to do. Healthcare professionals are required to keep a person alive as long as possible. It can stretch out into days, weeks, and months. A living will is an important benefit a group legal plan should offer.

Living Wills Are Instructions

The final stage of a person’s life could be brought on by a catastrophic emergency. It could be an auto accident or a massive heart attack either of which might leave a person still living, but barely. The  victim may be completely unresponsive and is surviving due to life support system. Modern technology can extend life, but it might not be what the victim wants. Continue reading

by

Our Assistance Makes Dealing with Government Easy

stockfresh_8628171_legal-advice-book-title-3d_sizeS-300x150

 

The government can confuse people. Bureaucracies are both national, state, and local. You may have to deal with one and not the other two or, all three at the same time. The average employee is going to find all this frustrating. Many group legal plans do not bother with helping but Countrywide Pre-Paid Legal Services does. Our group legal plan benefits include assistance with government agencies.

Your tax dollars fund various services through public agencies. These organizations require certain types of information. What can get confusing is what is needed by a federal agency, may be entirely different than what is requested by a local municipality. On top of everything else, some deadlines need to be met. The wrong information will probably result in an application returned to the individual for corrections. It creates an administrative delay that might end up with a missed deadline. Countrywide Pre-Paid Legal Services offer group legal plan benefits for organizations. Our attorneys provide help with those public agencies. Continue reading

by

Expert Advice Makes It Easy

stockfresh_3576539_stressed-female-graduate-holding-stacks-of-hundred-dollar-bills_sizeS-200x300

 

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.

Continue reading

by

Knowledge Can Save a Buyer Thousands of Dollars

stockfresh_2142927_family-holding-a-sold-sign-outside-their-home_sizeS_62ad93-300x200

 

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

by

01the-importance-of-a-comprehensive-legal-plan-article-4102-thumb-320x210-86253-thumb-320x210-86254-300x196Unique Legal Help Can be Used

 

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

by

The Right Words Matter a Great Deal

stockfresh_215939_questions-and-answers-signpost_sizeS-300x200

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

by

Financial Wellness Plans Can Help

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

 

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