Articles Posted in Pre-Paid Legal Services

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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

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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

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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

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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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stockfresh_2753643_medical-and-gavel_sizeS-300x300When 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

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stockfresh_7251761_consultant-showing-document-to-couple_sizeS-300x200Employers 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

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stockfresh_1627257_estate-planning-word-cloud-concept_sizeS-300x300Inheriting 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.

  1. Multiple Heirs Create Multiple Headaches.

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