Articles Posted in Group Legal plans

Budgeting is easy the More You Know

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It is an old story about domestic finances. People are living from paycheck to paycheck. There doesn’t seem to be any rhyme or reason to what is going on. It happens when people refuse to budget. That doesn’t seem to be a problem until other expenses besides groceries come into the picture. Financial wellness is threatened by a refusal to itemize expenses against income.

The Source of the Problems

Budget difficulty springs primarily from debt. It isn’t gasoline or the cable bill, but credit cards, mortgage loans, student loans, and perhaps some medical expenses. These can add onto obligations and an emergency bill can make things even worse. People end up spending more than they are making. It can happen to anyone, especially somebody who feels obligated to pay everything at the end of the month. Continue reading

The Medical Bills Can Be Staggering

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Employees expect to pay medical premiums either bi-weekly or monthly. They’re able to budget for these expenses and know what the figures will be. Something that is extremely difficult to budget for, and catches a person by surprise, is the medical deductible. It has the potential of harming the financial wellness of anyone.

Employers in the past few years have tried to contain medical insurance costs by raising the deductible. It means that deductibles that were once one or $2000 are now up to $5000 per year. The crisis sets in when someone has an illness or condition that is not temporary. Continue reading

Countrywide Excels at It!

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There are group legal plans which do not understand communication. The vendors provide service at a distance, or through a page on a website. This may look efficient, but it is not. Communication is more important than this.

Quality Matters

A little extra should be part of the services. Anyone can easily forget a question or two, and getting back to the attorney is important. Countrywide Pre-Paid Legal Services allows an unlimited number of telephone calls to the attorney in each situation. It means additional questions can be asked at another time. This ability to further communicate with the lawyer at no cost helps. Continue reading

Constant Vigilance is Needed to Stop Identity Theft

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Identity theft is a sneaky business. We often think that if we have secure passwords and high protective walls around our information, we will be safe. It isn’t always true. A person may be in a busy downtown area using an ATM. That same person is an unsuspecting victim of the person standing right behind. This individual happens to be a thief who is looking over the shoulder of the person using the ATM, copying down their password. The same thing may happen at a point-of-sale location in a very busy store. Somebody is watching you, and they want your information.

They will get it and then use it. It will not be for opening a bogus credit card account. Cyber thieves know where the money is and it is in selling the passwords to someone else. That third-party is the one who is going to invade your credit account or your bank account. You will not know the damage until you receive your bill at the end of the month. Countrywide Pre-Paid Legal Services is aware of identity theft. We have worked with companies developing group legal plans for years, and we heard horror stories about identity theft. It is why we offer services to help prevent a financial disaster. Continue reading

Our Service Comes in Many Fashionsdebt-relief-pill-300x255

Financial wellness has become more than just a topic of discussion. Employees are increasingly more concerned about their personal budgets and want management to help. Financial wellness programs are benefits that can resolve problems. However, the success of any plan depends on the tools used. The wrong procedures will result in no real changes.

Countrywide Pre-Paid Legal Services has worked with organizations for 30 years to develop sensible benefits for employees. Our financial wellness program has a number of benefits such as help with medical costs or dealing with college loan debt. These have good intentions, but success rests on how we provide service to the plan members. Here is how we do it. Continue reading

The Legal Paperwork is Critical

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Hospital surgery is not something to be terrified about. Advances in technology, anesthesia, and necessary medical procedures make a trip to the hospital much safer than many years ago. However, there is still the chance something could go wrong. Failure to prepare can make it even worse.

The hospital is committed to keeping a person alive unless instructed to do otherwise. It means that life support systems maintain individual. It may not be what the patient wants, but if there is no authorization the life support continues indefinitely.

A reaction to anesthesia or a certain procedure could result in an individual becoming comatose That’s a dangerous situation if there are no instructions on what to do. A group legal plan that allows for medical powers of attorney is essential. Continue reading

Dealing with Agencies More Efficiently20111126_FNP001_0-300x168

Paper appears to define bureaucracy. There is so much for all types of activities and privileges. A person needs a license for fishing but also for various other things such as a driver’s license or a hunting license. You may need a building permit to put an addition onto your house or to build a new home, and they’re all kinds of applications for various things a person wants to do. All the paperwork can be both confusing and frustrating. Government clerks adhere to certain regulations. Anyone who misses a deadline or provides the wrong data can expect to go back to square one. Countrywide Pre-Paid Legal Services wants to end the anxiety about dealing with government paperwork. Our group legal plan benefit includes assistance in dealing with government agencies at all levels.

Dealing with All the Papers

People require having forms explained to them, and the Countrywide nationwide network of attorneys is there to help. Our seasoned legal professionals will sit down with a plan member and, as part of pre-paid legal services, explain what the government agency wants to have. He or she will also point out various deadlines and explain the importance of them. This person will also tell where to get additional information so that the application is airtight. If a face-to-face meeting with a government official is necessary, the lawyer will let a plan member know what to expect and how to handle the situation. These kinds of tidbits of advice make for a less stressful meeting with that bureaucrat. Continue reading

Countrywide Lawyers have Superior Communication Skills 

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Communication is a cornerstone of every Countrywide group legal plan. We understand how essential it is for effective pre-paid legal services. Many people are understandably confused about legal issues. They do not deal with them daily. When they face an issue such as a warranty problem or the need to draft a will, anxiety goes right up through the roof. Countrywide Pre-Paid Legal Services wants to help

A Complete Service Package

The assistance we provide is more than just a web page. We want our group legal plan members to be able to talk to an attorney directly. Our nationwide network of lawyers allows for face-to-face conferences to be easily arranged. We also permit unlimited telephone calls to a lawyer on any given situation. It may appear to be a small consideration, but these phone calls help answer questions which may arise after the conference. Such attention allows channels to be open in communication to flow back and forth. Continue reading

Good Advice Makes All the Differencespider-pocket-189x300

We all face challenges with money no matter how old we are. Millennials have difficulty setting up budgets, but older employees fret about retirement. It ‘d be great to be able to take charge of finances and have a better cash flow going in and coming out. It sometimes takes seasoned advice to develop reliable financial wellness.

Finances can make a person feel he or she is juggling far too many balls in the air. People are accustomed to a mortgage payment on a car loan, but others have to deal with student loan payments, harsh credit card problems, and any other number of bills needing cash. It is easy to have the trees block and hide the forest. People don’t always know how to handle a budget properly. They’re not stupid; things are just too complicated. Countrywide Pre-Paid Legal Services sympathizes with this kind of confusion. We have a financial wellness program that is intended to help people take better control of their financial situation. Continue reading

Countrywide Will Solve Them

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People get frustrated with warranties. Everyone thinks that this piece of paper covers all repair work done to a product. It is not always the case. The language of the warranty is going to decide what is covered by the warranty and what is not. Warranties are written in legal language, and people get confused. A group legal plan that allows for attorney assistance is essential.

The terminology can vary from one product to another. For example, a bumper to bumper warranty, which ordinarily covers a new car for up to three years, is something that a car dealer is going to offer. A powertrain warranty is an additional protection which gives repair assistance for the transmission, the engine, and other parts that will last for as much is five years. However, a factory warranty has very specific limitations. A lawyer who gives pre- paid legal services can point out that damage caused by hail might not be covered. Continue reading