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stockfresh_1959659_explaining-mortgage-conditions_sizeS-300x200Group legal plans provide a needed service. There are legal issues that require a professional’s advice and experience. People appreciate having simple wills drafted and suggestions on how to deal with bureaucrats. However, there is more to providing high quality, pre-paid legal services.

 

All Forms of Communication

 

A group legal plan should do more than process papers. A willingness to go the extra mile needs to be part of the package. The attorneys must be empowered to offer more than essential services. The Countrywide Pre-Paid Legal Services group legal plan has communication built into it. Continue reading

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stockfresh_7251761_consultant-showing-document-to-couple_sizeS-300x200Document review is an essential legal assignment. Companies ask law firms to review contracts and determine if a court case needs to be filed. The reviewed document can be hundreds of pages long.

Ordinary people do not require in-depth reviews. A maximum of six pages is usually sufficient. Some group legal plans have online services where members upload the paperwork for analysis. Countrywide Pre-Paid Legal Services does not do this. We feel there is more to providing high-quality service.

Do You Know That Person?

A group legal plan with online document review will have an attorney look at the papers. The attorney reviews the text and gives an analysis. A plan member has a professional look at the legal documents, but the attorney is a stranger. Other professionals perform future reviews and consequently, no relationship is created. Continue reading

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stockfresh_132711_senior-couple-meeting-with-agent_sizeS-300x201Personal finances are a touchy subject. Everyone wants to feel responsible and money-sensible, but things happen. There can be sudden emergencies, such as medical bills, that mess up the best-laid plans.

Some find budgeting a challenge. They get used to living from paycheck to paycheck and rarely save any money. The kind of confusion that will harm financial wellness becomes a part of life. That should not happen, but it does. The mess only gets worse, but we can help end the cycle. Countrywide Pre-Paid Legal Services has a benefits program to improve employees’ financial wellness. Continue reading

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stockfresh_3091602_good-service-makes-the-difference-chalk-illustration_sizeS-300x168Folks are upset with the government. Lockdowns and restrictions caused by coronavirus are frustrating, and many wonder if their tax dollars are being properly spent. Red tape and delays appear to be the new normal.

The government provides services that people need. Tutors, transport vans, healthcare aides, and other means of assistance are available and getting the right help might be a challenge. Public agencies are regulated by various rules that are confusing. Group legal plans should offer the means to help plan members deal with government agencies. Countrywide Pre-Paid Legal Services has a benefit that can make accessing public services more manageable. Continue reading

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stockfresh_3266726_benefits-concept_sizeS_39f284-300x200Whether it is Christmas, Hanukkah, or Kwanzaa, this is the time of year when people feel generous and give gifts. 

 

Employees feel the same way. Holiday bonuses and other extraordinary things are given out to employees to celebrate the season. Countrywide Pre-Paid Legal Services thinks that this is the right time to present employees with a benefit they will greatly appreciate in the years to come.

 

A Primary Thought of All Employees

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stockfresh_6378534_financial-freedom-concept_sizeS-300x192The Employee Benefit Research Institute (EBRI) recently conducted a study on financial wellness that produced interesting results. The published report,” 2020 EBRI Financial Wellbeing Employer Survey: COVID-19 Driving Benefit Offerings and Potentially Forcing of Budget Decisions,” shows a definite change in the focus of financial wellness programs. Instead of concentrating on retirement savings, there is more concern about employee personal finances’ overall stability.

 

Important Discoveries

 

The study shows productivity to be a driving force for financial wellness programs in addition to employee retention. COVID-19 has caused incredible anxiety among employees who are worried about money issues. The stress can impact performance and employers understand the need to respond proactively. Coaching is a topic being addressed and forward-thinking employers are reviewing the impact of healthcare. Continue reading

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o-POWER-OF-ATTORNEY-facebook-300x200It might sound like the title for a low-budget horror film, but the reality is much worse. A comatose person, referred to as a flat liner by the medical staff, can be in a vegetative state for months and possibly years. It creates hell on earth for the family.

 

Living but Not Really Alive

 

It can be the result of a severe accident or heart attack among other sources. An unresponsive individual in a coma can give doctors no instructions about what treatment is to be administered and whether the life support system should be turned off. Healthcare providers are not going to second-guess anyone; they will keep an individual alive unless notified otherwise. Continue reading

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stockfresh_2912650_what-do-i-do-now-thinking-person-thinker-question_sizeS-297x300Personal finances are preoccupying many employees. A person may be doing well but still is worried about the money. Will he or she make enough to get to the end of the month? Can those major bills such as college debt be paid promptly? Are penalties assessed for late payments? Concern about cash can distract a hard-working employee from critical work projects. Countrywide has a program that deals with financial wellness. We enhance the quality of our services by using the right tools.

 

Assessing Cash Flow and Value

 

Sensible planning requires understanding cash flow. No one should live from paycheck to paycheck, but people do this because they don’t know where the money is going. Countrywide’s nationwide network of certified counselors will help end the confusion. Continue reading

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stockfresh_7251761_consultant-showing-document-to-couple_sizeS-300x200The year is coming to an end and many people have a few things left on the bucket list. Various legal documents might need signing. These include leases, service contracts, and miscellaneous agreements. Warranties might be part of the holiday shopping list. These legal papers may be a bit confusing and there can be traps hidden by legalese and jargon.

 

A Wall of Uncertainty

 

Legal documents are written in a specific way and use words that are rarely spoken daily. Some folks will get flustered trying to decipher the terms. They signed the document just to get that chore out of the way. This can be a terrible mistake. Continue reading

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stockfresh_1211123_upset-woman-glaring-at-her-many-credit-cards_sizeS-300x200Black Friday is the biggest consumer spending day of the year. Consumers pull out the plastic and search online and traditional stores for all bargains. Some buyers will discover their credit cards are about to be maxed out. How did that happen?

Top Heavy Balances

Stimulus checks helped, but many people ran short of money during the lockdowns. These people were forced to use their credit cards frequently. The financial wellness of many became problematic. The balances grew top-heavy with debt and not because of impulse buying. The credit cards were needed for survival. Countrywide Pre-Paid Legal Services understands the anxiety created by credit debt. We have a benefit plan that addresses financial wellness. We want to help plan members regain control of their finances. Continue reading