Articles Posted in Pre-Paid Legal Services

Big 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

The 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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A 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

What 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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When someone is diagnosed with a terminal illness, their loved ones are often left to make difficult decisions about their care. A living will provides guidance for these decisions and helps to ensure that medical treatment preferences are carried out. The living will allows families to make it through challenging and stressful times.

What It is and What It Does

A living will is a pre-paid legal services benefit many group legal plans offer. It is also known as an advance directive, and it specifies a person’s wishes regarding medical treatment if a person cannot communicate them to a healthcare provider because of an accident or terminal illness. Continue reading

Employers should encourage employees to have their legal documents reviewed by an attorney. This is a cost-effective way to ensure that employees know their rights and responsibilities. The documents most commonly examined are wills, powers of attorney, and healthcare proxies. Having these essential documents in proper order can help reduce stress for the employees and their families in the event of an unexpected death or illness.

1. The Importance of Reviewing Legal Documents

It is vital to review legal documents carefully before signing them. This is because once a document is signed, it becomes a binding contract. This means that both parties are legally obligated to uphold their respective obligations under the contract. If either party fails to do so, the other party may sue them. Continue reading

Inheriting a loved one’s estate can be a complex and emotional process, made even more complicated when the deceased does not have a will. This situation is known as intestate succession, which can create challenges for the person overseeing the estate. If you find yourself in this position, you should know a few things.

1. The State Decides.

The first thing to understand is that, without a will, the state in which the deceased lived will dictate how the estate is divided. This can often lead to situations where the deceased’s wishes are not honored and loved ones may end up with nothing or less than they expected.

2. Multiple Heirs Create Multiple Headaches.

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Group legal plans offer a variety of services to clients and their employees. Sometimes, these benefits are helpful, but unfortunately, there are situations where the services come up short. The difficulty lies in needing more help. The secondary benefits inherent in a group legal plan add superior quality to good assistance. Such additional aid is not window dressing; it gives substance to the employee’s benefit.

Providing a Comprehensive Benefit Continue reading

Warranties are intended to help consumers. These are agreements where repairs are covered for a certain amount of time. Warranties ordinarily cover big-ticket items such as washing machines. Automobile warranties are offered at the time of purchase, and a buyer is encouraged to consider purchasing one for their new car. These can cost thousands of dollars, and the buyer must be careful. A warranty is not always what it appears to be.

A warranty is ordinarily suggested at the end of the sales transaction. That person might be agreeing to an auto service contract without realizing it.

So, What is the Difference? Continue reading

Thieves are not stupid. They are clever scoundrels who want your financial records, your cash, or both. They can be ingenious little devils.

One trick a thief will use involves the U.S. Post Office. A blue postal drop box is designed to receive a lot of mail and it is a target. A felon will use a handheld vacuum cleaner to take out the mail. After that, the villain will go through the mail and take advantage of any personal financial material, including checks and credit card numbers. Victims will not know until they receive their monthly statements that they been robbed. That person’s financial accounts and moved on by then. Continue reading