Resources - US Legal Services

Money & Stress: The Unique ROI Of Employee Financial Wellness

September 11, 2024

According to the 2023 Workplace Benefits Report by Bank of America, 96% of employers feel some level of responsibility for the financial well-being of their employees. The main obstacle preventing more companies from offering these benefits is misunderstanding their return on investment (ROI). Many employers believe that financial stress is a niche issue, only relevant to a handful of team members. However, in doing so, they overlook the widespread impact that financial stress can have on their employees and underestimate the power of basic financial wellness. Money issues impact workers of all ages, backgrounds, and income levels and can affect everything from productivity to your team’s physical health. As such, the true ROI of a financial wellness program will likely be measured by how it improves the quality of life for your entire workforce. Measuring the ROI of Financial Wellness: The 3 Key Outcomes to Look For Financial wellness improves employee productivity. Financial stress is a major concern for most Americans, regardless of their age or economic background. This level of stress has been shown to affect productivity in the workplace. When interviewed for PwC’s 2023 employee Financial Wellness Survey, 1 in 3 employees admitted feeling distracted or disengaged

Getting Help With Finance-Related Legal Matters

February 27, 2020

In many instances, legal issues are in large part financial matters, such as when you’re buying or selling a house. Other times, legal matters can involve financial distress, such as when bankruptcy is looming. In both of these types of situations, it isn’t unusual to need help from a professional, and a financial attorney can provide the legal advice you need. In this post, we’ll share answers to frequently asked questions about finance-related legal matters, including five types of issues that fall under this umbrella—plus what legal insurance is and how it can help you and your family. What Does a Financial Attorney Do? At a high level, a financial attorney helps clients with legal matters that have a financial component. More specifically, this can include when you’re: buying or selling real estate doing estate planning communicating with debt collectors considering or going through bankruptcy dealing with the consequences of identity theft As you can see, there are numerous times in life when legal issues also have financial aspects. Some financial lawyers have multiple specialties, while others may be more niche in the types of cases they take on. What Situations May Require a Financial Attorney? Here’s more information about

Traffic Violations and Your CDL: How Legal Insurance Can Help

December 9, 2019

If your livelihood depends on maintaining a clean driving record, even a seemingly minor traffic violation can set you back, causing a loss of both money and time. Even if you’ve been a professional driver for years and do all you can to avoid trouble on the road, you may still be faced with legal issues from time to time. Additionally, commercial drivers are held to higher standards when operating any type of vehicle and are more likely to be cited than the average non-commercial driver. There’s good news, though: A legal insurance plan can help keep you behind the wheel with a range of features that protect your CDL. At U.S. Legal Services, our comprehensive CDL Defender™ legal insurance plan offers commercial drivers these benefits and many more: Defense against citations: Whether you have been improperly cited for an ELD issue or need to ensure that a proper data review request is made on your behalf, your U.S. Legal Services legal insurance plan provides assistance in defending against citations. Representation from local attorneys: Experienced commercial drivers are well aware that every time they cross a state line, a new set of laws and regulations may be in effect. When

Estate Planning Checklist, Answers to FAQs and More

September 24, 2019

First, what is estate planning, exactly? At a high level, this type of planning focuses on: issues connected to a person’s assets that can be passed along to beneficiaries through last will and testaments, and trusts who will care for children until they’re adults; this can be designated in a will naming who has the authority to make medical and/or financial/legal decisions for someone when he or she is unable to do so, through powers of attorney making end of life choices known, through a living will Here’s another way of looking at estate planning. It’s often looked at as planning for what happens upon someone’s death, but it also provides protection when serious disability occurs, to the degree that the person can no longer handle his or her own affairs. This post will provide more detail about each of these aspects, bust two persistent estate planning myths, answer frequently asked questions on the subject, and share tips on how to find the right estate planning attorney for your needs. Estate Planning Myths Two of the biggest estate planning myths are as follows: Only wealthy people need estate planning. Only older people need this type of planning. As far as

Guide to Hiring a Family Law Attorney

September 13, 2019

When you need a family law attorney, it’s crucial that you choose the right one—because, after all, no matter what situation you’re in, it involves your family, people you love and want to protect. So, this guide will provide several issues for you to consider to help you make the best choice possible. Family law is a specialized area of the law; but, having said that, there are numerous specialties that fall under the broad umbrella of this type of law. What they have in common: each one is a niche area that focuses on certain issues connected to family relationships and domestic law. These niches include but aren’t limited to the following: prenuptial and post-nuptial agreements paternity issues adoption proceedings child custody child support child emancipation divorce and spousal support Some attorneys may represent clients who have several of these issues, handling many of them. For example, a divorce attorney may very well help you with child custody and child support issues, but may not handle adoptions or child emancipation processes. So, what’s most important is to find a quality attorney who can provide exactly the services you need. Gather Recommendations If you have friends or family members who

Guide to Hiring a Real Estate Attorney

July 29, 2019

If you’re about to enter into a real estate transaction, perhaps buying or selling a property, or if you’re in a situation involving real estate where you could benefit from assistance to protect your interests, you very well may need the help of a real estate attorney. In some states, the participation of an attorney is actually required to close a real estate transfer. No matter the specifics of your situation, this guide will help you to pick the right lawyer for your situation. Finding a Real Estate Lawyer When you’re dealing with a real estate transaction, multiple areas of law can come into play—and, because buying or selling your home can be one of the largest, most complex financial transactions you will ever be involved in, having a real estate attorney at your side can be an invaluable resource. For example, you could run into problems if the wrong legal description of the property is listed on a document. And, there isn’t just one document to check for that. There’s the title to the property, title insurance documents, the deed, land survey, and mortgage loan documents, among others. Even when the documents are accurately written and executed, that doesn’t

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