In partnership with LegalShield

How’s your driving record?

Your driving record holds information that is not only useful to law enforcement and insurance companies, but also to employers. An employer with positions that involve driving or the use of a company vehicle, for example, may want to view your driving record to determine your level of responsibility and safety on the road.

As a job-seeker, it’s important to develop and maintain a good driving record. There are steps you can follow to understand this important record, what’s on it, and ways to improve it.

• Review your driving record. You can obtain a copy via your state’s Department of Motor Vehicles (DMV) or Department of Public Safety (DPS). Many will accept orders online. Review your driving record periodically or after incidents that can show up on your record like a violation, conviction, collision, suspension, revocation, etc. Also note how long items stay on your record. This depends on your state and how serious the violation is. In California, for example, many violations stay on a driving record for three years, but more serious offenses, like a failure to appear for DUI offenses, can remain for up to 10 years.
• Understand the point system. Many states have a point system in place to rate drivers. Laws vary by state, but typically, drivers can incur a demerit point or points for various violations. Too many points can result in serious consequences such as license suspension, additional fines, or other penalties. The amount of points issued for violations and the length of time they remain on your record, also varies by state. For example, in Florida drivers can receive between 3-6 points for most violations with sanctions based on the specific number of points incurred within a 12 month, 24 month or 36 month period. Check with your DMV or DPS for details on your state’s point system.
• Correct inaccuracies. If you find inaccurate items on your record, or items that have exceeded the statute of limitations, you may want to submit a request for correction. Your state’s DMV or DPS will have information on how to file a correction request and what documentation is required. If you have any questions, consult a lawyer experienced in traffic law who can advise you on your rights and options. A convenient way to get in touch with an experienced attorney, is through a legal service plan, like those offered by LegalShield. For a monthly subscription, members receive access to a variety of services including legal advice and document review from experienced attorneys.
• Remove what you can. Some states offer ways to have items removed from your driving record. Research and consider your options carefully. In Virginia, for example, drivers can receive safe points (that can offset demerit points) for a period of good driving or attending a driver improvement clinic. Some states will remove a certain amount of points for each year of good driving or allow traffic school attendance (periodically) to remove points. Check with your DMV or DPS to learn if they offer ways to remove points from your record.
• Know your rights when new issues arise. Even minor issues can become major headaches if they aren’t dealt with carefully and responsibly. Never hesitate to consult an attorney, even for issues like speeding tickets. Legal service plans from LegalShield offer motor vehicle legal services in most states, which include representation for certain moving traffic violations.

Always strive to drive safely, follow traffic laws, and keep your record as clear as possible. A good driving record is an asset in so many ways. It can help keep insurance premiums down, reduce the time and expense it takes dealing with tickets and fines, and indicates to employers that you are responsible on the roads and off.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Five Things to Know About COBRA

Job loss, a reduction in hours worked, transitioning between jobs, and life events like death or divorce could qualify you for a temporary extension of health coverage. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows workers and families currently covered under a qualified employer group plan this continued coverage for a limited time, under certain circumstances. Also be aware that it is often at an increased out of pocket expense to the employee. There are several things to know if you're considering COBRA.

• Determine if you are eligible. First, there are qualifying factors for a group plan to be covered by COBRA (if your group health plan is covered by COBRA, you should have received notice of COBRA rights within your first 90 days of group health coverage). Review your healthcare plan to see if COBRA is available. Next, you must have had a qualifying event and be a qualified beneficiary for that event. The Department of Labor (DOL) offers details on COBRA.
• Know your options under HIPPA. The Health Insurance Portability and Accountability Act (HIPPA) offers some alternatives to COBRA. For instance, HIPPA provides the right to enroll in another group health insurance plan (such as a spouse's) within 30 days of losing coverage. HIPPA also allows the purchase of an individual health insurance policy if you meet certain qualifications. Research these options carefully.
• Consider other alternatives. Contact your state department of insurance to see what alternative health insurance options you may have. Consider seeking attorney assistance for advice and a complete explanation of your options. An attorney can go over policies and applicable laws and advise you on your rights and options. Legal service plans from LegalShield offer a variety of legal services such as document review, advice, and legal counsel for a monthly subscription.
• File a request. You will need a copy of your company's healthcare plan rules for instructions on how to file. Obtain this as soon as possible and read the guidelines carefully, as you only have a certain amount of time to file. Also note any costs. According to the DOL, employers can require individuals to pay the full cost of the coverage, plus a two-percent administration charge. Also take note of how long your COBRA will last. For a complete understanding of your rights under COBRA, consult an attorney.
• Denial or early termination. According to the DOL, a request for continuation coverage, or an extension of it, can be denied. If your request is denied, you will be notified within 14 days of receipt of request with an explanation of this denial. If your coverage is going to be terminated early, you will receive a notice describing the reason for termination, date of termination, and any rights you may have under the plan or applicable law for alternative coverage options. You may want to consult an attorney if you have questions about your rights, options and applicable laws.

There are many options and alternatives available to help those who are unemployed. Stay on top of your options, know your rights, and be ready to take action during your window of opportunity to claim these special services.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

How to Cut Expenses Between Jobs

An unexpected job loss can leave you reeling—or racing to keep debt down and cut expenses. When a job loss happens, it's important to stay positive, take cautionary measures with expenses, and be proactive in finding employment. There are several things you can do to help cut expenses and deal with debt issues.

• List all expenses. Begin by listing all expenses in order of importance. Know what payments are due monthly and what payments are annual. Also list the due dates of each.
• Reduce/cut non-essentials. Non-essentials include cable, Internet, gym/club memberships, subscriptions, dining out, etc. If you need to make tough decisions, cut non-essentials first. Be sure to read service agreements and contracts, as you could be penalized for ending services too soon. An attorney can assist in reviewing such documents and advise you on your options.
• Analyze essentials. This includes gas, electric, water, mortgage/rent, etc. Many utility sites offer conservation tips. You may also want to consider looking at special payment plans that are offered by many utility and mortgage companies. This can include payment extensions, deferment, loan modification, or repayment plans.
• Be aware of debt relief and settlement services. Do your homework and research carefully if you consider these options. Some companies require upfront fees that can leave you in even more debt. Do not settle in full on debts until you carefully weigh all pros and cons, as this will show up on your credit report. Keep documentation of any debt settlements to avoid confusion later on (for example, you get a bill months later from a company you've settled with). Consult an attorney if you have questions or need assistance understanding all applicable paperwork.
• Bankruptcy and other options. Though under Title 11 of the US Code potential employers cannot discriminate against you on the basis of bankruptcy alone, it does stay on your credit report for 10 years, and can make it difficult to purchase a home or get other loans and credits. But if your situation is serious, a bankruptcy filing could help you keep your property. An attorney can go over your options with you and offer advice on how to file.

The important thing to remember when you're between jobs is to cut down on expenses so debt doesn't grow. If you're in danger of missing bills, seek out options immediately as many companies will work with you in tight times. And if you have concerns about harassment from collectors, repossession, or other major financial issues, consult a lawyer so you know your rights and your legal options. One way to get affordable access to an attorney is through legal service plans offered by LegalShield. Plans have a monthly subscription and provide access to legal counsel and advice as well as document review.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Unemployment Benefits: What you need to know

A layoff can be surprising and scary: Income stops, but the bills do not. If you find yourself out of work through no fault of your own, take action to determine if you are eligible for unemployment benefits. Know that it can take a few weeks or longer for payments to begin. Eligibility and employment amounts vary by state, but typically last up to 26 weeks (extensions may also be available). In most states, your compensation will be based, to some degree, on your prior earnings. Some states have a cap on the amount you can receive. There are several other important factors to be aware of.

• Determine eligibility. Contact yourState Unemployment Office to determine if you are eligible and for directions on how to file in your state. Some states let you file online or by phone.
• Know the laws. There are both state and federal laws in place concerning unemployment benefits. For instance, if you are denied benefits you may be able to appeal. For help understanding unemployment laws and how they apply to your situation, consult an attorney in your area. An easy way to find an experienced attorney is through LegalShield. LegalShield offers legal service plans via a monthly subscription and provides access to resources, advice, and legal counsel for any situation you may have, including unemployment laws.
• Weekly claim certifications. You may be required to file weekly claim certifications. It is very important to file these exactly on time as filing ahead of or behind the required time period can result in not getting paid.
• Unemployment benefits are taxable. Unemployment benefits are considered income and are subject to state and federal taxes. They must be reported on your income tax returns.
• Additional income must be reported. Your state's unemployment office will give full guidelines, but typically any extra income earned while receiving unemployment benefits (part-time jobs, odd jobs, any pensions or disability funds, for example) must be filed and can result in payment deduction or denial.
• Budget carefully. Depending on your state, unemployment payments may be paid to a debit card that limits you to a certain number of withdraws or charges fees after so many withdraws. Use care and planning so you do not incur a lot of overdraft or other fees that eat into your income.
• Be proactive in your job search. This is a requirement for those receiving unemployment benefits. Some states may require that you register with the State Employment Service, for example, or they may require you to report job offers or refusals.
• When you go back to work. As soon as you accept a job offer, check with your State Unemployment Office for directions and guidelines on when your benefits will end.

If you opt to take unemployment compensation, remember to follow the rules and guidelines carefully as violations can result in a delay, loss, or disqualification from receiving unemployment compensation. Do not hesitate to seek legal advice if you have questions about unemployment laws and your rights.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Are you Prepared for a Credit Check?

These days credit reports are used for more than just credit card and loan applications. Credit reports can also be used by potential or current employers to determine your financial management skills, responsibilities, and more.

In 2010, the Society for Human Resource Management (SHRM) polled its members and found that 47% ran credit checks on select job candidates and 13% ran credit checks on all candidates. As a job seeker, there are some tips to be aware of in the event a potential employer asks to run a credit check.

• Credit report checks require written permission. Typically, if an employer has a background check or credit report done via a third party, they must first get written permission per the Fair Credit Reporting Act (FCRA).
• Know your rights. While items like repossession and high debt can signal red flags to an employer, they are prohibited under Title 11 of the US Code, from discrimination due to bankruptcy. If you have questions regarding your rights (state laws also apply) consult a labor attorney in your area. An easy way to connect with an experienced attorney is through LegalShield. For a monthly subscription, you can access resources and legal counsel on any legal issue or question you may have.
• Regularly review your credit report. The US has three main credit repositories and you can request a free credit report from each one via their secure site: AnnualCreditReport.com. Know what is on your credit report so you aren't taken by surprise later on.
• Deal with inaccuracies now. Don't wait for a potential employer to spot issues that you could have taken care of. Carefully research suspicious items and get them removed. If you have issues getting inaccuracies removed, consult an attorney.

Above all, be honest with a potential employer. The SHRM survey found that 65% of the employers polled allowed job candidates, in certain circumstances, the chance to explain the results. Being open and up front about credit issues could successfully circumvent a less than stellar credit report.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

How Social Media can Help or Hinder Job Searches

For millions of people around the world, communicating via social media is a part of life. But with the ease of instant communication comes the ease of posting things you might think twice about if you're looking for a job.

A 2010 Microsoft-funded survey found that 70% of human resources and recruiting professionals had rejected job candidates due to information found online. Many of the employers polled (63%) use social networking sites when researching applicants. Interestingly, only 7% of consumers believed information found online affected their job search. For job seekers, there are steps you can take to ensure your social media pages enhance your online reputation and job skills.

• Review privacy settings. They can change often and new features or settings may default to be shared with everyone. Review and be aware of who can see your page. This also means, regularly reviewing groups, circles, lists, friends, etc., so you know who has access to your page.
• Reflect your resume. Keep items like job history, skills, and experience current. Moderate page content to ensure all comments, grammar, photos, and items posted by you and others to your page are appropriate. If needed, remove tags of yourself from photos posted by others or ask that they be removed. If you have concerns about getting others to take down photos, consult an attorney on your privacy rights. Instances like the posting of a photo taken without permission could be a violation of privacy laws.
• Stay legal. Posting images or content not your own could violate privacy or copyright law, so do some research before you post. Also take care not to post comments that could be viewed as libel or harassment.
• What goes online can stay online, even after you press delete. Photos, comments, and other content can be archived and saved, automatically emailed to others, copied via screenshots, etc. Don't post or share anything unless you are prepared for it to be "out there" forever. Always use care and discretion when speaking of others, especially previous or current employers.
• Review privacy policies, user agreements, etc. Understand how your information is used and shared. These documents will help you understand who can see your posts and access information about you. In many instances, these documents are legally binding, so do not hesitate to seek attorney review.

It's important to realize, employers don't just take note of negatives. According to the Microsoft survey, 85% of employers polled said that a positive online reputation influenced their hiring decisions. Also note, employers are held to strict federal and state laws regarding job applicants, including the Fair Credit Reporting Act (FCRA), discrimination laws, Americans with Disabilities (ADA) law, and others. Above all, know your rights, and take measures to ensure your social networking pages reflect both personality and professionalism. Do not hesitate to seek legal advice if you have questions about your rights online or offline. Convenient access to legal document review, advice, and legal counsel is available for a monthly subscription through legal service plans from LegalShield. Plans provide a variety of legal services from experienced attorneys.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Job Prep: Understanding Equal Opportunity Laws

Job interviews can be intimidating; employers can ask a variety of questions to gauge your job experience and skills. But one thing job seekers should not fear is discrimination. Federal laws, typically known as Equal Employment Opportunity laws, are in place to ensure your rights are protected both as a job applicant and an employee against certain types of discrimination. According to the US Equal Employment Opportunity Commission (EEOC) website, these laws cover employers with a certain number of employees. This number varies depending on the type of employer (private company, state/local government agency, federal agency, employment agency, or labor union) and the kind of discrimination alleged.

Should you have a question or concern about discrimination either as an employee or a job candidate, consult an attorney who handles labor issues. Other laws, including state laws, may apply to your unique situation and a lawyer can best advise you on your rights and options. An easy way to access the correct attorney for your situation is to sign up for legal service plans from LegalShield. For a monthly subscription, plans provide access to advice and legal counsel for whatever legal situation you have.

As you prepare for a job interview, be familiar with some of the laws (also listed on the EEOC's website) and know how to handle questions that may come up.

• The Civil Rights Act. Title VII of the 1964 Act prohibits employment discrimination based on race, color, religion, sex, or national origin.
• The Rehabilitation Act of 1973. Review Sections 501 and 505 which cover discrimination against qualified individuals with disabilities who work in the federal government.
• The Age Discrimination in Employment Act of 1967 (ADEA). This law protects those who are 40 years of age or older against age discrimination.
• The Equal Pay Act (EPA). Under the EPA, it is illegal to pay different wages to men and women who perform substantially equal work in the same workplace. According to the EEOC, virtually all employers are covered by this act.
• The Americans with Disabilities Act (ADA). Title I and Title V prohibit employment discrimination against qualified individuals with certain limiting disabilities in the private sector and state and local governments.

It's important to be aware of these laws when you walk into your next job interview. Employers should not ask questions about disabilities, age, race, etc.; however, even a well-intentioned employer could ask such a question in error. Know your rights under the law, and never hesitate to ask questions or consult an attorney.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Five Tips to Consider During Benefits Elections

For many employees, annual benefits elections can be routine. Unless there's been a life-changing event like a birth, death, marriage or divorce, many stick with the same benefits each year, with little change. However, for those who are considering a job change, there are important factors to keep in mind when it comes to benefits.

• Evaluate all current benefits. Make a list of all benefits you currently have and how much you pay for each one.
• Evaluate all available benefits. Typically ahead of time, your employer will provide information on all available benefits. Take note of each benefit and what you can and cannot take with you when you leave.
• Consider portable options. Your employer may offer additional benefits you can get at a reduced rate, and keep if you leave the company. These benefits may also have cash value. Do careful research so you understand coverage and costs. Do not hesitate to consult an attorney who can assist in spotting loopholes and go over policies with you. Convenient access to legal counsel and document review is available through LegalShield, which offers legal service plans for a monthly subscription.
• Consider your budget. Portable benefits can cost more than other group benefits, but if you're considering a job change, it may be worth it to go for the options you can take with you.
• Other opportunities to change benefits. Typically you can change certain benefits such as health or life insurance benefits when there is a qualifying life event such as marriage, birth/adoption, legal separation, divorce, or death of a spouse or dependent—or if there are certain changes in employment. Read your current insurance policies carefully or consult your HR department. Also be aware that there may also be a time limit on when you can make changes (often within 60 days of the event).

Benefits are very important and can be big factors in your decision to leave or accept a new job. Consider your options carefully and understand how coverage applies and when you have options to change. Know what your policy does and doesn't cover and seek legal counsel for coverage or claim questions or issues.

At Will vs. Contracted Employment

There are several key differences between at-will and contracted employment that job seekers need to be aware of; both are governed by certain laws to protect your rights.

• Employment at-will means both you and your employer may end your job at any time, for any reason. Many state laws provide for at-will employment. However, there are both state and federal laws that protect employees from discrimination (such as the Equal Opportunity Employment Act and public policy exception). The US Department of Labor offers some basic information on understanding the employment-at-will doctrine.
• Employment contracts. These written documents outline the terms of employment. This can include wages, benefits, duties, job responsibilities, and other work-related matters. There are also laws in place (such as the Federal Affirmation Action laws) to protect your rights against discrimination regarding employment contracts.
• Understand both before you enter into employment. Read the stipulations carefully and consult an attorney who can read over a contract and advise you on your rights, as well as explain anything you don't understand. Do not hesitate to ask questions of your employer. Make sure you have a clear and full understanding of your rights and responsibilities whether your position is at-will or contracted.
• Understand the Law. Consider both carefully as they apply to your unique situation. Consult an attorney in your area who can advise you on applicable state laws as well as federal laws that apply to your unique situation. They can also go over contracts, terms, and explain your rights and responsibilities outlined in the contract. An easy way to find an experienced attorney in your area is through LegalShield. LegalShield offers monthly subscription legal plans that offer access to a wide variety of legal services including resources, advice, and legal counsel and document review.

Though these are the most common forms of employment, there could be other forms such as implied contracts. Before entering into any type of new employment, it's important to consider your options carefully, understand the type of employment being offered, and know your rights before you agree or sign with a company.

Salary vs. Hourly

There's a lot to consider when looking for employment. One thing to consider carefully is salary versus hourly wages. There are pros and cons to each and both are regulated by law. In the US, the majority of jobs are governed the Fair Labor Standards Act (FLSA). This law governs minimum wage, overtime pay regulations, and other employment laws. State laws also apply. According to the Department of Labor's website, the current Federal minimum wage is $7.25. For instances where an employee is subject to both the state and federal minimum wage laws, they are entitled to the higher rate.

Salary or hourly pay is determined by the employer. Review the job description carefully and review any additional information from the employer to determine if the position offers salary or hourly wages.

• Hourly basics. Typically your employer will agree to pay you a set amount (minimum wage or higher) for every hour worked, with a set amount of hours to work every week. Full-time employees usually work 40 hours a week. Any time worked over 40 hours a week is considered overtime under the FLSA, and you'll earn time and a half. Without sick or vacation time to compensate, if you work less than your set amount of hours you will not be paid for hours not worked. There are exceptions and state laws also apply. The US Department of Labor has information on FLSA to help you understand if you are "exempt" or "nonexempt" under this law.
• Salary basics. Salaried employees earn a set amount of money each week and typically also have a set number of hours they are expected to work. Salaried employees may also have more flexibility in their schedules. They can also work less than 40 hours and still earn the same pay. However, there is typically no overtime for salaried employees. So long work weeks can mean no overtime pay.
• Employers can change it. Contact your state department of insurance to see what alternative health insurance options you may have. Consider seeking attorney assistance for advice and a complete explanation of your options. An attorney can go over policies and applicable laws and advise you on your rights and options. Legal service plans from LegalShield offer a variety of legal services such as document review, advice, and legal counsel for a monthly subscription.
• Know the law. If you have any questions about laws regarding salary and hourly wages (remember, state laws also apply), consult an attorney who can help you understand these laws and your rights. A convenient way to find a lawyer in your area is through legal service plans from LegalShield. For a monthly subscription, plans provide access to resources, advice, and legal counsel from experienced attorneys.

Be aware of the differences between salary and hourly wages, and understand how they apply to your unique job offer and position. Don't hesitate to ask questions or consult an attorney for help understanding the law and your legal rights.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

What to do when you receive a foreclosure notice

Seasons of high unemployment often result in high foreclosure rates. And for those focused on finding employment, a foreclosure notice can be discouraging, even devastating. But remember it's only a notice. Foreclosure doesn't happen until several more legal steps are taken. In the meantime, you can take a couple of actions to determine if you can – and should – fight the foreclosure and save your house.

• Review the notification. There have been documented cases where the notice of foreclosure was in error – an incorrect address, a misfiling of payments or an incomplete review of the file, could lead to an inaccurate foreclosure status. Make sure all information on the notice is correct, check the name, address, account number, etc.
• Connect with an attorney who specializes in foreclosure law. An easy way to make sure you find the correct attorney to handle your unique situation is to sign up for Legal Service Plans from LegalShield. Plans have a monthly subscription, and provide access to resources, advice and legal counsel for whatever legal situation you have, including foreclosure.
  
  Every state has different foreclosure laws, on top of federal laws that often go into effect when the mortgage holder is located in one state and the homeowner lives in another. Having an accomplished law firm available for legal assistance and on your side to help explain the entire process can help you determine if the potential for foreclosure is justified.
  
  Even if the foreclosure is justified, you may still have options available that can help save your home. A lawyer who is knowledgeable about foreclosure law in your state can help you find and explore these options.
  
• Collect and review all your financials. Having records showing payments, and amounts of the payments will come in handy in determining in court if the foreclosure notice is justified. For example, it could be determined that the amount of money you were expected to pay is too high for the loan. Or that you made payments, but they didn't end up in the correct place, and weren't properly processed by the mortgage company.
• Keep documentation of all conversations, emails, mailings and notifications. Set up a file and print copies of all communications to store in that file. If you have to converse via a phone call, take time after the call to note the time and length of the call, who you spoke with and their title, and a summary of the conversation. If you are able, email a note back to the contact reviewing the conversation as well, so you have a copy of the conversation in writing.
• Determine if you want to argue the notice of foreclosure. This is a big decision because your home, your credit rating and your finances are all dependent upon the final outcome. Work with your attorney and discuss all of your options, including the potential consequences of all actions.

It's natural to worry if a notice of foreclosure appears in your mailbox, especially if it catches you by surprise. Take immediate steps, like ones listed above, to find out what options you have available that may help save your home.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.

Know your rights for peace of mind

When you know you rights, you can walk into any situation empowered with confidence. LegalShield plans provide access to a variety of legal services that you can use whenever you need assistance understanding your rights. Plans have a monthly subscription and provide access to legal counsel, document review and other valuable services. Understanding your rights in situations large or small can provide peace of mind in multiple ways.

• A better understanding. As you go through life, you’ll encounter a wide range of legal documents and contracts that can be difficult to understand. Yet in most instances they are legally binding and a complete understanding is imperative. Take the time to have an attorney review these important documents with you so you can understand what to expect and what’s expected of you.
• A proactive approach. Take action to ensure you understand your rights as early as possible. If a question arises or you have concerns about a possible legal situation, that is the moment to seek legal advice. By understanding your rights going into a situation, you can make better decisions and possibly even prevent some issues from developing.
• A plan of action. Have a plan in place for taking action in the event of various life issues, expected or unexpected. This can help you reduce precious minutes gathering resources when situations arise. Your plan should include: a list of important documents, where they are located, and who can access them; as well as a list of important contacts from family to utilities to various emergency contacts. Access to a legal plan can also be an integral part of your plan of action. Knowing you can consult an attorney on virtually any situation or question that arises, can provide tremendous peace of mind and even help direct your plan of action when situations arise.

There’s so much to do and accomplish in life. But if you know your rights, you can handle a wide range of situations with a new level of confidence. Know your rights before you sign documents, as soon as questions arise or issues surface, and have a plan in place for peace of mind when things come up. These steps can help you live life prepared, confident, and worry-free.

DISCLAIMER: Please keep in mind that laws vary from state/province to state/province and that this information is not, nor is it intended to be, legal advice. It is provided solely to create awareness of common legal situations you might face. Please consult an attorney with any questions or concerns you may have regarding your specific legal issues.