Articles Posted in financial wellness

Our Program Comes to Your Financial Rescue




You might think that all debt problems arise from plastic but that is not true. Granted, people often create large credit card amounts by spending. However, these are usually controllable. What drives an individual into financial wellness difficulty are sudden expenses. These could be medical bills, having to buy a new car, or sudden family emergency. The situation can get serious quickly.

Debt Management Plans Prevent Panic

Many employees live from paycheck to paycheck. They may be able to just barely get to the end of the month with the budget they have. A sudden financial emergency can turn matters into a train wreck. The person could panic and consider filing for bankruptcy which is not a good idea. Countrywide Pre-Paid Legal Services has a financial wellness program that includes a debt management plan. It is something to be used in extreme cases.
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Forbearance or Bankruptcy are Not the Only Options




Many recent college graduates may be facing a serious financial wellness issue in the coming weeks. The grace period provided by many college loan programs is ending, and a person must face the reality of making payments. This can cause an enormous amount of anxiety and lead to some very poor decisions if an individual does not get the right advice.

Counselors Outline the Options

The enormity of the debt is something most young people never encountered before. The debt can be as large as a house mortgage, and the figures can be bewildering. There are various options, such as forbearance, but these might not be the best alternatives. Countrywide Pre-Paid Legal Services does not want to see anybody caught in a financial mess. We have a financial wellness program to help.
The challenge can is easily resolved by knowing more about personal money. College graduates don’t always understand budgets and consequently come up short at the wrong time of the month. Countrywide has certified counselors whose first active service is to help newcomers to the working world prepare a budget. The professionals will look at income expenses and determine if any reallocation of funds can be accomplished. Continue reading

Countrywide Makes the Language Clear 




Some the largest everyday mysteries are found in legal documents. The language can be extremely vague and complicated for most people, and it makes the ordinary person suspicious. Is it hard to decide whether a contract is going to be in the best interests of the signer. Group legal plans do not always provide service with review of contracts. Fortunately, Countrywide Pre-Paid Legal Services does. We do everything possible to end the mystery.

A Countrywide plan allows a client to take advantage of our nationwide network of attorneys. These are professionals who work with contractual terms every day. The lawyers will review a contract up to six pages in length as well as other legal documents. Continue reading

The Bills Are Controllable


Folks need to understand deductibles will renew annually. For example, let us suppose that a person has a deductible of $5000 and a medical procedure consisting of a surgery and physical therapy each costing $5000. Let us also suppose that the surgery is performed in 2017 and the physical therapy is scheduled for 2018. Even though the patient has paid $5000 in 2017, this person will need to pay an additional $5000 out of pocket BEFORE the insurance pay anything. It is because meeting the deductible starts all over again with the new year. This scenario is not fiction; it happens all the time. People run into serious deductible debt when medical procedures span more than one year.

The bills can mount up and the providers expect to be paid. Failure to meet the obligations can result in collection agencies knocking on the door. Employers should help their staff with medical bills. Countrywide Pre-Paid Legal Services has a financial wellness plan that provides needed assistance. Continue reading

You can Manage the Credit Cards with Countrywide Helpcredit-cards-300x200


The Christmas holiday season is now over. No doubt, you have probably cleaned up all the mess and the empty boxes have been picked up by the garbage collection. You may be looking back at the holidays as a fun time with your family. That’s nice but there may be something coming ahead that is going to cause problems for your financial wellness. Christmas cheer comes at a price.
Credit Debt Grows

Shoppers use plastic for many purchases and those cards come out during the shopping season of December. Your generosity may be amazing, but the bill is coming. The Grinch didn’t steal Christmas but the charges on the credit cards can rip a hole in your finances. Your January statement may show that you have spent more you needed to, and you are in very serious credit card debt. It is not easy to figure out how to get out of the problem and help may be needed. Countrywide Pre-Paid Legal Services is here to help. We have a financial wellness program that can provide needed assistance. Continue reading

It Makes Medical Care Decisions Easier



Employees will plan their healthcare for the coming year. They will look at the calendar and determine when they will make medical appointments, and when certain procedures will be scheduled. This is often to manage better the deductibles that they must pay. It all makes sense, but there’s one thing that many of these people are forgetting. What is going to happen if something truly drastic occurs?

Tragedy Comes Unexpectedly

Accidents can happen, and chronic seizures strike without warning. These can leave a person in a coma, unable to tell doctors what type of treatment is preferred. Drastic situations may include a person being on life-support with no chance of revival. Hospitals are required to keep a person alive as long as possible. Living wills can help provide guidance, and good group legal plans have them. Countrywide Pre-Paid Legal Services include drafting of a living will in the group legal plan benefit options. Continue reading

You Don’t Have to Accept Faulty Merchandisestockfresh_3665498_cost-and-value_sizeS-300x200


Your child gets a brand-new toy for Christmas while you get an innovative appliance or perhaps a very interesting computer gaming. It’s all a part of the excitement of Christmas to get something new, and Christmas presents are used quite a bit in the following days. It is when trouble may begin. For no apparent reason, that new gizmo breaks down. You get frustrated and try to find a way to fix things. The present may have a warranty attached to it, and a group legal plan could help you make things right.

They are Guarantees of Repair Service

Warranties are agreements in which a manufacturer guarantees repair work if something breaks down. However, the language of the warranty can be very confusing. Countrywide Pre-Paid Legal Services has a nationwide network of attorneys. One of our fundamental benefit options is help with warranties. Our lawyers know the language and can point out what the manufacturer will and will not do as defined in the warranty. Continue reading

It is a Sensible New Goal 


The New Year is approaching and now is when many people create New Year’s resolutions. Some of these goals for 2018 include matters such as clearing up credit card debt, getting a better handle on student loan payments, and finding ways to work with medical debt. Countrywide Pre-Paid Legal Services believe that financial wellness is one of the best New Year’s resolutions a person can have. We offer a benefit that organizations can provide for employees that address this.

Financial Wellness Varies

People have distinct needs. One person may want to have information about how to buy a house properly and another needs assistance with medical bills. Someone else might want to know more about what assets he or she might have, and another person may only need a personal budget analysis. Unfortunately, some people are in such financial despair that only a debt management plan will get them out of trouble. Countrywide offers all kinds of services. It could be as simple as a budget analysis or as complex as how to best deal with credit cards. It depends on the person. Continue reading

Financial Welfare of Beneficiaries is Protectedstockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196


Financial planning is not for the living alone. You should think about how you will disburse your assets during your life, but you also need to consider how money and property will be divided after you are gone. Too many people forget that and put off writing a will for some later day. The day finally arrives, however. Your estate may be forced into a situation where there is trouble for your survivors. A group legal plan can help prevent a financial tragedy.

The Court May Have to Decide

The state law is intended to protect the beneficiaries and survivors. The courts try to guarantee people get what they justifiably deserve. Regrettably, estate without a will is in the hands of the court and an appointed court administrator. Final disbursement could take months or even years. It creates a financial difficulty for survivors. A group legal plan must provide an option for drafting a simple will. Countrywide Pre-Paid Legal Services has such a benefit as an integral part of its group legal plan format. Continue reading

It Can End Employee Worry



You may think of financial wellness is not important, but MetLife disagrees. A survey conducted a few months ago by this company indicates that employees are increasingly more concerned about financial wellness. It is a benefit trend that may be picking up speed in 2018. Employers must look at this as more than just a boutique benefit. Their employees certainly consider it essential.

Employees Will Worry About Finances

Financial anxiety peaks in January. The reasons are quite simple: 1. The six-month grace period on college loans is over for the new graduates, and they face having to pay back on the loans. 2. Credit card balances from Christmas holidays show up. It’s enough to drive anybody off the wall. A New Year’s resolution for fiscal austerity may go out the window rather quickly. Continue reading