by

stockfresh_1701311_stethoscope-and-dollar_sizeS_f73430-300x200

The standard medical deductible has slowly risen over time. It is understandable because organizations want to keep their medical costs under control. Younger employees might not notice this. They are healthy and do not use the group health insurance that often. Older employees do, and their medical bills can consequently threaten financial well-being.

It Comes with Age

A person’s body is more vulnerable as that person gets older. Diabetes, high blood pressure, and age-related diseases will require increasingly more medical attention.

Dental bills can also pinch a wallet. Crowns and partial plates can cost thousands of dollars and insurance won’t pay all the bills; the individual is responsible for the deductible. A middle-aged employee might face sizable medical debt caused by high deductibles. He or she needs help and Countrywide Pre-Paid Legal Services can assist. We offer a financial wellness plan that makes a difference. Continue reading

by

stockfresh_225020_eraser-and-word-debt_sizeS-300x200

Few people can be accused of spendthrift habits. Most do the best they can to economize and keep expenses down. A sudden shock can disrupt financial wellness. A mountain of debt can, without warning, spring up.

Debt Rises from Various Places

College graduates know how this happens. The grace period on their college debt ends and they confront five and six-figure loan debts. A medical emergency may require paying off a high deductible. Other sudden expenses could max out a credit card. None of this is caused by irresponsible spending but financial wellness is threatened.

Countrywide Pre-Paid Legal Services recognizes the anxiety and frustration these people experience. We have offered employee benefits to organizations for over 30 years and we want to solve their problems. The Countrywide financial wellness plan is designed to assist people in handling their debt mountain. Continue reading

by

stockfresh_8628298_sort-index-card-with-referrals-3d_sizeS-300x200

Countrywide Pre-Paid Legal Services has every reason to be proud of its attorneys. These folks combine excellent emotional intelligence expert and legal knowledge to deliver superior service. However, there is a limit to what they can do.

The legal profession has become increasingly more specialized. Intellectual property, cyber-security, and immigration law are becoming more nuanced. The same can be said for adoption law and property disputes. Our lawyers may not have the legal skills to address complicated issues in the far corners of the law. Attorneys with special skills are needed and group legal plans do not always have them.

Countrywide believes that serving a plan member is job one. If the existing pre-paid legal services can’t solve the problem, Countrywide will recommend a referral and make the needed contact. Group legal plan members like this, but they worry about the cost. Lawyers with a unique skill set will charge higher rates per hour. Continue reading

by

stockfresh_1104622_falling-credit-cards_sizeS-300x200

Plastic makes life convenient. Folks do not want to carry around a lot of money. Credit cards take the place of cash and encourages shopping, sometimes to the point of binge purchases. People forget about the double-digit interest rates and their credit card debt begins to jump. The danger to a person’s financial wellness is quite real.

Debt Overload

Millennials and new college graduates are easily seduced. They will use credit cards for nonessential purposes and not worry about the consequences.

The balance on their credit cards creeps up and eventually becomes a crisis. Employees are making good money, but some may feel they need to file for bankruptcy. Countrywide Pre-Paid Legal Services does not want to see anyone in a credit card debt crisis. Our financial wellness program will help prevent a monetary disaster. Continue reading

by

auto-warranty-300x203

Warranties might appear to be simple, but they are not. These are agreements which are legal documents and have specific requirements. Salespeople will try persuading customers to purchase warranties with pressure sales tactics that sometimes work. The individual pays a hefty price for a warranty that will never be enforced. Some group legal plans help with warranties. Countrywide Pre-Paid Legal Services is one of them.

Warranty Nuances

Warranties can be complicated. For example, an automobile warranty might cover Original Equipment Manufacturer (OEM) auto parts but not After Market parts. Labor costs may have certain provisions such as the warranty only paying 50% of the bill. The warranties will last only for a few years. Going to the wrong repair shop could void the warranty, depending on the terms.

Countrywide has a national network of attorneys who provide required pre-paid legal services. We strongly urge people to have a lawyer review the warranty before signing it. A Countrywide attorney can look at the language point out the major clauses. Some small stores might use warranty documents that are outdated and invalid. Our lawyers will spot that and alert the group legal plan member. Continue reading

by

Open-Enrollment-300x300

Open enrollment is beginning for many organizations. Employees will have the opportunity to sign up for medical insurance or make changes in their current coverage. Many people enter this feeling depressed. Their employer might be raising premiums or deductibles. The employer share of certain medical procedures could be reduced, requiring employees to pay more. Countrywide Pre-Paid Legal Services has a financial wellness plan to help people manage medical costs.

A Cumulative Effect

Deductibles are rising because group health insurance plans are becoming even more expensive. It is the same reason why the employee share of certain procedures is increasing. A deductible of up to $5000 is not uncommon and employees might face a heavy burden of medical bills because of one or more claims.

Countrywide has a nationwide network of experienced certified counselors. They work with employees to help those folks manage their finances. A budget analysis is a standard service. A Countrywide counselor reviews the income and expense patterns of the individual. Recommendations for a financial wellness plan member comes from this investigation. Continue reading

by

o-POWER-OF-ATTORNEY-facebook-300x200

The open enrollment period is a time of reflection. Employees will look at their coverages in the light of premium and/or deductible increases and decide if any changes must be made. That’s prudent behavior, but there is something left out. There needs to be an answer to a major what – if statement: what if I am in a coma and cannot respond.

Medical Emergencies Come Unannounced

It can be a stroke or cardiac arrest that sends a person into the darkness. Healthcare providers have a mandate to keep a person alive. It means a comatose patient is on life support for extended periods of time. Someone is needed to make decisions. Not all group legal plans have this service, but Countrywide Pre-Paid Legal Services offers the drafting of a living will and legal powers of attorney.

The objective of both is straightforward: authorized decision-making in the case of a medical calamity. The living will provide instructions on what to do if a group legal plan member is no longer able to communicate. The living will is a pre-paid legal services benefit that also benefits the healthcare provider. The decisions about medical care are written down and the care provider need only follow them. Continue reading

by

stockfresh_3231743_man-putting-coin-into-small-piggy-bank_sizeS-300x200

We understand how organizations do not want boutique employee benefits. These are trendy and flashy, and their ability to attract and retain good employees is questionable. Countrywide Pre-Paid Legal Services has been offering employee benefits for more than 30 years. We know how important it is to offer benefits people need and will use. Our financial wellness program is a benefit employees will appreciate.

Recent college graduates have a student loan repayment hovering over them like a dark cloud. They’re not looking for a handout but some advice. Countrywide has a nationwide network of certified counselors who will assist in problem-solving. They can show young plan members how to manage the debt and still have cash for other things. Older employees are grateful for medical insurance coverage. Unfortunately, the deductible requirement can leave a person with thousands of dollars in debt. Our counselors will help plan members negotiate reasonable payments and budget for future bills. Continue reading

by

stockfresh_3433722_man-and-woman-signing-contract-paper_sizeS-300x210

 

Legal documents are written records.They will express compensation in a contract, guarantee the service of a warranty, and the obligations of a lease. There should be no confusion but sometimes there are problems. The best group legal plans will help people interpret the language.

The terms and definitions can confuse a reader. The language is dry and requires definition for understanding. Countrywide Pre-Paid Legal Services would like to assist people. We have a group legal plan benefit covering document review.

A nationwide network of lawyers provides our legal services. They can review even the most obscure legal papers. The attorneys respond to all questions and offer expert advice. Should a group legal plan member forget to ask a question that is a problem. We allow an unlimited number of telephone calls on a given matter. The plan member can easily get answers that he or she requires. Continue reading

by

stockfresh_3558891_lawyer-and-client-in-office_sizeS_487dc8-300x200

Countrywide Pre-Paid Legal Services is proud of its reputation. We have administered legal plans for over 30 years and our clients are very satisfied with what we do for them. The secret to our success is the type of service we offer. It is the best in the industry and that is not just our pre-paid legal services options, either.

The Secondary Services Are Important.

Plan members like having simple wills drafted and foreign-born employees appreciate our help with public agencies. The assistance is not impersonal. Countrywide does more than use webpage Q&As to help people. We make use of a network of highly qualified professionals and each one is available for a conference. We know that not all questions might be answered in the one on one meetings. A group legal plan member may make as many follow-up telephone calls to the attorney as necessary on a given question. Continue reading