Articles Posted in financial wellness


We understand how organizations do not want boutique employee benefits. These are trendy and flashy, and their ability to attract and retain good employees is questionable. Countrywide Pre-Paid Legal Services has been offering employee benefits for more than 30 years. We know how important it is to offer benefits people need and will use. Our financial wellness program is a benefit employees will appreciate.

Recent college graduates have a student loan repayment hovering over them like a dark cloud. They’re not looking for a handout but some advice. Countrywide has a nationwide network of certified counselors who will assist in problem-solving. They can show young plan members how to manage the debt and still have cash for other things. Older employees are grateful for medical insurance coverage. Unfortunately, the deductible requirement can leave a person with thousands of dollars in debt. Our counselors will help plan members negotiate reasonable payments and budget for future bills. Continue reading


Watching a dream slip by is frustrating. Employees who want to buy a house are concerned they will never get the chance. They are well-paid but believe their existing debt holds them back. Also, house buying appears to be very complicated. Frustration makes a person unhappy and can spill over into daily work. Countrywide Pre-Paid Legal Services will help with this problem.

Affording a Home

The house is the largest purchase most people ever make. The Countrywide financial wellness program can make it happen. Our certified counselors help plan members afford the expense. These professionals will perform a budget analysis and suggest ways of making personal capital available (i.e. paying the required minimum on a few credit cards.)

The budget analysis will uncover opportunities to handle debt obligations better. People who are dealing with a medical emergency will face sizable medical bills. Countrywide will show how the payments can be negotiated and the monthly payments reduced. We have already mentioned credit cards, and these can be controlled with a better payment strategy. Millennials saddled with college debt may not know of ways to modify payments; our counselors show them how. After a few one on one sessions, a financial wellness plan member discovers there is money to buy a house and pay the mortgage. Continue reading


We are only a few weeks away from the start of the new academic year. Students are looking forward to returning to campus and alumni remember those college days fondly. Unfortunately, not all new alumni are remembering the good old days. These people are facing the end of the grace period on their college loans They are soon going to be asked to start paying sizable monthly bills.

College tuition has rocketed into the financial stratosphere. Many alumni are facing burdens well into the six figures. They need help in trying to take this burden off their shoulders and not every financial wellness vendor can do that. Countrywide Pre-Paid Legal Services has a comprehensive program that can help a person see light at the end of the tunnel. Continue reading


Few people like budgets. These are financial boundaries that can restrict a good time. It is easier, and more fun, to not worry about personal finances. This carefree attitude is why so many get in financial trouble.

Emergencies Will Cause Problems

Many employees live from paycheck to paycheck. This works well until a medical emergency or large expense hits the checkbook. Credit card debt is serious and using plastic gets people in financial trouble. Countrywide Pre-Paid Legal Services has a financial wellness program to assist in designing budgets.

Many have no experience in developing a budget. Recent college graduates might be too strict and leave little flexibility in their personal budgets. A growing problem is ignoring college loan debt entirely. That can end up with a bankruptcy filing or overuse of forbearance. We can fix these money hassles. Continue reading


Employees appreciate group health insurance. It is a benefit the entire family will use and allows a person to absorb the shock of large medical bills. Health insurance is so important that the quality of a plan determines whether a person accepts a job offer. This is a great benefit but there is a problem.

Medical Costs Will Balloon

Medical premiums are large and growing larger. Some employers discover that they must decide it offering a health insurance plan is financially feasible. These organizations will attempt to keep costs under control by increasing the deductible. It means that deductibles of anywhere from $5000-$10,000 are not out of the question. Plan members are required to cover the deductibles before the insurance policy assumes cost. What this can mean is an ordinary person forced to accept a bill of thousands of dollars. This kind of expense can be a major hit to anybody’s wallet, and drive a person’s anxiety skyward. Those who are part of a Countrywide Pre-Paid Legal Services financial wellness plan do not have to worry so much. We help people better manage medical debt. Continue reading


Financial planning covers a lot of ground. The objective is to help a person prepare for future expenses and purchases. The core of sensible planning is information: facts and figures regarding a person’s financial wellness. Not everyone knows how to do that and Countrywide Pre-Paid Legal Services can help. We offer a benefit any organization would want to have.

Working Through a Budget

Ordinary folks often live from paycheck to paycheck. They don’t always know how to budget and rarely know their true financial worth. Countrywide will help the situation. Our nationwide network of certified counselors can shed light on a person’s finances.

A budget analysis is the primary tool used to uncover personal finance data. The Countrywide counselor will look over the income and expenses of the plan member. This financial professional will make suggestions on how to improve the overall picture. Continue reading



Many employees live on the brink of financial ruin. This is a pressing concern which threatens their quality of life. It is more than just living from paycheck to paycheck. People worry about defaulting on loans or seeing their credit scores destroyed. Financial wellness is becoming a desired benefit and Countrywide Pre-Paid Legal Services offers this. We want to help people avoid bad consequences.

We Depend on Our Network

Countrywide has a network of certified financial counselors. They are seasoned professionals who know how to rescue financially distressed employees. Student debt payments can be handled better with information. Our customers will point out the means to reduce interest payments and even get certain loan amounts forgiven.

Millennials and Z Generation workers are concerned about their college loans. Countrywide provides information about how to handle the debt. Older employees may worry about medical bills. People must pay deductibles annually and may need to borrow to pay their bills. Our financial wellness professionals will advise plan members on how to negotiate a reasonable payment with healthcare providers. Continue reading


Companies are beginning to plan for the college recruiting season. They are developing schedules for campus visits, candidate interviews, and internships in the coming weeks. Competition for the best talent is going to be fierce. Interesting projects and better-than-average wages help convince the future college graduate to accept the job offer. There needs, however, to be a little bit more.

The competition with other companies for the best turns into a horse race. The benefits package can give an employer a competitive edge. Providing benefits a person can use will seal the deal in many cases. New graduates can use a financial wellness plan.

These young people are bright and are well educated. They face a serious financial challenge. Many finance their college years with loans that must be repaid. Five and six-figure debt burdens weigh down on their shoulders. Countrywide Pre-Paid Legal Services has a financial wellness plan to take the weight off them. Continue reading


Everyone has dreams. It might be starting a family, buying a house, or anything requiring a sizable cash investment. Recent college graduates, unfortunately, feel their dreams are slipping away. The reason is their student loans

The Debt Is Staggering

Many of these young employees leave school with five or six figures of debt burden. The obligations will take years or even decades to pay off. The size of the debt is life altering for many. They must either delay certain decisions, such as starting a family, or even forego dreams entirely. There are college graduates who are making good wages but don’t understand budgeting. The entire situation increases anxiety and frustration in highly talented workers. Countrywide Pre-Paid Legal Services wants to help these young people realize their dreams. We offer a financial wellness program that works.

Retirement is coming sooner than you think. There will come a day when an employee cleans out the workstation and leaves. What happens next depends on prior planning. An individual must be financially ready. He or she cannot rely only on a company pension. Preparing for retirement requires knowing what you have and what you owe. Countrywide Pre-Paid Legal Services can help.

We have a financial wellness program to give people a better sense of their finances. We have a nationwide network of certified counselors who could assist plan members.

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