Articles Posted in Group Legal Services

by

Legal Paperwork Doesn’t Have to be a Mystery

stockfresh_260360_read-the-fine-print_sizeS-200x300

 

Legal documents sometimes seem to be an ocean of words. People get very easily confused by the language, but they cannot take any of it for granted. What is in a document or contract can be binding and group legal plans are effective if they allow for review of these papers.

We Will Review the Documents

The nationwide network of Countrywide attorneys can review up to six pages of a contract. That is ordinarily the size of a standard legal document. The review is not just restricted to contracts, however. There are other legal papers that regular citizens encounter all the time. Countrywide Pre-Paid Legal Services can help. Continue reading

by

Countrywide Excels at It!

stockfresh_5735040_businessman-looking-at-the-camera_sizeS-200x300

 

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

by

Better Finances Reduces Anxietydollar-sign-stones-240x300

 

Depression is a financial term, but it also is a condition brought on by personal finances. The amount of debt a person has can affect their mental well-being. Financial wellness in jeopardy makes a person feel less than enthusiastic about almost everything. We live in a society that appears bent over from debt. It doesn’t matter how old you are; finances can cause problems. Millennials worry continuously about their college debt while older employees face medical bills that are starting to climb. One trouble is being able to budget; there are those who cannot do it at all. These people need help, and Countrywide Pre-Paid Legal Services is there to provide support. Our financial wellness plan helps employees of all ages.

Offering the Best Counsel

This benefit features the advice of experts. Countrywide has a nationwide network of certified counselors. These people deal with all kinds of personal debt and how to lighten the load. A budget analysis is the beginning of all the services. Countrywide counselors will take a close look at the income and expenses of the plan member. This investigation uncovers where there are problems in the cash flow. The analysis also pinpoints where the greatest expenses are and how much out-of-control they are. The discovered data permits the counselor to begin the process of re-instituting financial wellness. Continue reading

by

Medical Powers of Attorney Are Critical

stockfresh_6387113_gavel-and-stethoscope-on-table_sizeS-300x200

 

Paper, paper, paper. Everything seems to have a form or a document attached to it. Many people don’t bother with certain legal papers because they’re tired of the pile. An example is medical powers of attorney. Not everybody understands the importance but good group legal plans allow for help with this document.

It is important to Have Medical Powers of Attorney

The reason is clarity. Anyone who is the victim of a major car accident or medical disaster might be in a coma. The hospital does not know what this person wants as far as treatment. This can extend to life support systems which do not automatically turn off. The hospital staff is justifiably concerned about any lawsuits and will keep patient on life support indefinitely. That can cause expenses to skyrocket as time goes on. There’s also cost that is highly personal and very emotional. A patient who is near death can linger on life support systems. This causes agony of hope for love ones who pray for America which may never come. At the same time, these people are looking over their shoulders at the possibility of mounting debt. Countrywide Pre-Paid Legal Services is very familiar with the anxiety and suffering. We have the drafting of medical powers of attorney as a group legal plan benefit. Continue reading

by

They Have Unique Problemsstockfresh_2776410_senior-adult-couple-going-over-papers-in-their-home-with-agent_sizeS-300x200

 

Senior employees are essential to the financial health of any organization. It is not simply their experience that makes them valuable. These staff members are ordinarily decision-makers, and the organization relies on them for getting things done. Their jobs require concentration without distraction. A primary distraction is their financial wellness. Worries about money and bills can cause a senior employee to think less about the job and more about the bank accounts.

New Expenses to Deal With

The troubles can be coming from several places all at once. A middle-aged employee may have children in college and is trying to help them. Taking out certain loans have obligations that the parent should follow through with, or else risk consequences. Older employees use medical coverage more often. It means that the deductible must be satisfied and it gets to be a problem. Out-of-pocket payments for various surgical treatments and therapy can cost thousands of dollars each year. This is all in addition to credit card debt that may be mounting. Continue reading

by

You Can Win the Day in Courtsmallclaims-300x214

 

Not that many people have a day in court because most will settle before the cases are filed. However, there are situations where individuals go before a small claims court. This is a bench that hears disputes of perhaps $5000 or less, although some states have a higher threshold. It can get confusing and a group legal plan can help sort things out.

There are many reasons why issues end up in small claims court. It can be an argument over a property line, a warranty which is not being honored, or contract that has still has not been completed. The difference between this court and others is the lack of an attorney. Legal counsel will not represent you in court, and you must rely on yourself, instead. It is a reason why some cases don’t get anywhere. Countrywide Pre-Paid Legal Services knows that not all cases before small claims are frivolous. Many are substantial and require a ruling. We wish to be of help and it is why preparing a small claims court case is one of our group legal plan options. Continue reading

by

Contract Language Has Consequences

stockfresh_260360_read-the-fine-print_sizeS-200x300

 

Ordinary contracts are not large documents. It takes a few pages to determine what one party must do and what the other party is obligated to pay or give. Nevertheless, even in a small contract, there are clauses that hold consequences. Not being aware of what the words mean can be dangerous.

The part of the contract that can be the biggest problem are those clauses that involve penalties for work not performed, or products not provided. The contract can stipulate exactly what a person needs to do and the penalty is in force when the person doesn’t do it. Too many people are in a rush and sign contracts without carefully reading them. Countrywide Pre-Paid Legal Services has seen too many people run into problems because of not reading a contract. Our group legal plan benefit includes a review of contracts for the plan members. Continue reading

by

It Can Lead to Hurt Feelings

stockfresh_3266726_benefits-concept_sizeS_39f284-300x200

 

 

Employees appreciate health insurance. They are grateful when their employer provides coverage to handle medical costs. Nevertheless, there is the deductible to worry about. Modern deductibles are as high as $5000 or more. These impact on financial wellness. It can be difficult to pay a deductible when you are already cash-strapped. Some people will borrow the money to pay the deductible. They will ask family and friends to help. This gets old quickly.

Parents are willing to offer assistance, but they have their own problems, and the same is true for friends. A person ends up owing money to those closest to him or her, creating bad feelings which can last for years. It is better to be able to budget sensibly. There are employees you don’t know much about budgeting and could use some advice. Countrywide Pre-Paid Legal Services is here to help out.
Continue reading

by

Constant Vigilance is Needed to Stop Identity Theft

stockfresh_5169208_identity-theft-under-investigation-over-a-white-background_sizeS-300x217

 

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

by

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