Articles Posted in Group Legal plans

stockfresh_1627257_estate-planning-word-cloud-concept_sizeS-300x300Older employees often think of retirement and the estate they will leave behind to the beneficiaries. A simple will is usually one of the first things that come to mind when deciding what to do. However, even a simple will can be a complex process, and it does require careful thought.

The Basics of a Will 

It is a legal document that establishes a person’s wishes regarding their property and the guardianship of their children in the event of death. It is essential to prepare a will so that assets are properly distributed when a person dies, and the individual’s loved ones are taken care of properly.

man thinking

It is a brand-new year, and 2023 holds a lot of opportunities for people. Furthermore, the new year also comes with many changes, particularly in government bureaucracies. Legislation passed in 2022 can change how people interact with various public agencies. It is going to be confusing for some folks.

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Reviewing DocumentsConsumer protection is an essential element of a healthy economy. It ensures people can shop confidently and securely, knowing that the products they purchase are safe. Consumer protection tries to reduce the potential risk of buying goods or services. It also provides consumers with ways to defend their legal rights when dealing with businesses, including access to dispute resolution and the right to seek compensation for any losses incurred due to fraudulent or deceptive practices.

It is a legal area that seeks to ensure the safety and security of consumers in their interactions with a business. Various government agencies will protect consumers from unfair pricing, unsafe products, false advertising, deceptive billing practices, and significant financial losses.

Consumers increasingly rely more on technology and digital platforms to buy goods and services, so the need for consumer protection is more significant than ever. The various types of consumer protection statues designed to safeguard buyers’ rights in multiple situations. For example, laws such as the Consumer Products Act protect consumers when buying products, while laws like the Fair Debt Collection Practices Act exist to protect buyers from unfair practices by debt collectors.

These are all benefits that consumers can use, but not all know about consumer protection or how to take advantage of the services. Group legal plans may or may not offer consumer protection advice options. Countrywide Pre-Paid Legal Services does. We want to allow plan members an opportunity to obtain advice and guidance from legal professionals who are familiar with consumer protection law and practices. Continue reading

woman reviewing legal documentsAnyone who has tried to read a legal document knows those papers can be confusing and difficult to understand. That is why a person is smart to have an attorney review any legal documents before they sign them. An attorney can help explain the document in plain language and point out any areas that may be cause for concern. In addition, the attorney can offer advice on how to ensure the paper meets an individual’s personal needs. Legal document review helps avoid problems down the road.

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stockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196A simple will is the best way to manage an estate. The document outlines who will receive what at the time of an individual’s death. There are clauses to this document; however, that must be there to validate the contents.

Necessary Information

We are not talking about the distribution, but essential information used for identification. These include:

  • full legal name and date of birth.
  • a declaration that the individual is of sound mind and body.
  • the name of the estate’s executor.
  • the person’s signature and the signature of two witnesses.
  • Finally, the list of assets and how these are to be distributed upon death.

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stockfresh_132712_senior-couple-meeting-with-agent_sizeS-300x202Trying to get service from a government employee can be frustrating. But whether you are dealing with the DMV, your state’s tax agency, or any other government office, it is important to remember that these employees are people too. With that in mind, here are a few tips on how to get the service you need from a government employee.

  1. Be polite and respectful.

It might be tempting to let any frustration show, but this will only make the situation worse. Remember, government employees are people who deserve to be treated with respect. Continue reading

vacation-rental-home-warranty-300x300-300x300Big ticket items are part of holiday spending sprees. Washers, televisions, personal computers, and even cars are on the shopping lists of many folks. Merchants often follow up big purchases with the option of a warranty for the buyer to consider. It can be tempting, and a consumer should know the essential clauses of a product warranty.

  1. The “Exclusion of Consequential and Incidental Damages” Clause

One clause often included in product warranties is the exclusion of consequential and incidental damages. This clause limits the amount of money the buyer can recover from the manufacturer if they experience damages due to using the product. Continue reading

stockfresh_215939_questions-and-answers-signpost_sizeS-300x200The government can be an excellent resource for young employees. There are many programs and benefits available to help someone get ahead. But how do you know what you need? And how do you go about getting it? Here is a guide to help you get the government help you need.


  1. Know what you need. The first step is to know what you need. The government offers many programs and benefits, so you want to ensure you get the right one for your needs. You can research online or talk to a government representative to find out what is available.

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lastwilltestament-300x200A popular and often-used benefit of group legal plans is the writing of a simple will. These are no more than six pages long and are the last testament of an individual and divide that person’s estate. A principal player is an executor. This is the individual who takes care of the administration of the will. There are several tasks that the executor is expected to perform.

  1. The Filing.

The first task of the executor is to file the will with the probate court in the county where the deceased person resided. Once the will is filed, the court will issue what’s called “letters testamentary,” which gives the executor the legal authority to act on behalf of the estate. Continue reading

stockfresh_8439488_keyboard-with-blue-keypad-consumer-protection-3d-illustration_sizeS-300x200What is Consumer Protection?

At its basic level, consumer protection is about ensuring that businesses are honest and fair when dealing with consumers. This includes ensuring that companies provide accurate information about their products and services, live up to their promises, and treat consumers fairly. In other words, businesses should refrain from taking advantage of consumers.

Why is Consumer Protection Important?

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