Insurance Solutions Pt. 2

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If you haven’t had a chance to read through Part One of our Insurance Solutions mini-series, check it out here. As we wrap up the conversation, we are going to chat and chew about the importance of Legal & Identity Theft Protection, as well as Career Protection in our everyday lives.

LEGAL & IDENTITY THEFT PROTECTION

Fighting a legal battle on your own can be an extremely daunting experience. On the other hand, having the ability to contact a lawyer at a moment’s notice has its perks. From smaller issues, like a speeding ticket, to more complex ones like divorce or adoption, legal protection can offer you peace-of-mind inside and outside the court room.

Another experience that can cause a big ripple effect is identity theft—an estimated 9 million Americans are affected each year, according to the Federal Trade Commission (FTC). In today’s digital world, our personal information (name, Social Security Number, date of birth, address, etc.) is more vulnerable than ever. Nowadays, you can login to any site through your Facebook or Twitter account; however, despite how convenient it is, try and avoid allowing other websites or apps to connect this way. It grants permission to see and use your personal information, which opens more doors to potential malicious activity that you will never see coming. Soon enough, you’re dealing with potential threats to your personal information.

While the thought is scary enough, the severity of identity theft will never fully be understood unless you experience it; the financial, criminal, and emotional consequences it has will need more than a pint of ice cream to repair the damage. Even more, people are stealing the identities of friends and family to gain access to health care services! Read more in this article from the latest publication of our newsletter, Compass Connection.

Compass Rose Benefits Group teamed up with LegalShield to offer ALL Active Federal employees comprehensive legal services for only $15.95 a month. With access to a variety of legal services, including advice, attorney letters or calls of your behalf, contract and document review, plus more, having a lawyer in your back pocket has never felt better—or affordable! For added security, members can combine legal coverage with our Identity Theft Protection Plan for only $9.95 more! Learn more at www.compassrosebenefits.com/Legal and start protecting you and your family today!

CAREER PROTECTION

When you spend the majority of your life working hard to build a career, the last thing you want is for it to come crashing down—especially out of nowhere. In any workforce, you can face allegations of misconduct and wrongdoing, despite the fact that you are clearly working within the scope of your employment. If a claim is made against you—even if the allegations is baseless—will you be protected from the potential consequences?

In order to help provide peace-of-mind at an affordable rate, Compass Rose Benefits Group partnered with Wright USA to offer ALL Active Federal employees Professional Liability Insurance (PLI). With four coverage options available, you can rest easy knowing you’re covered if a claim is made against you! Learn more today about career protection at www.compassrosebenefits.com/Career.

Overall, the most important thing to remember is that insurance it’s not necessarily for you, but instead, the ones you love the most. No matter where you are in life—whether you are single, have a family, bought a new home, started a new career, or are caring for your aging parents—there’s always the potential risk that something can go wrong. So, make sure when something does happen, you and your family are prepared.

Legally Speaking

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When people hear the word ‘lawyer’, they often assume the worst and start counting their loose change (in anticipation of a large expense).  Despite the bad rap that lawyers get, the truth is, they’re educated and hard-working professionals that look out for their clients’ best interests – much like your family doctor or handy man.  While it comes as no surprise that people are hesitant to hire a lawyer—especially if there is no immediate need—having a well-established relationship with one can save you a great deal of stress if things get rough.

So, in recognition of Be Kind to a Lawyer Day, let’s chat and chew about why having a lawyer in your back pocket can payoff.

Legal procedures are complex.  Attorneys are familiar with deadlines and protocols for correctly filling out and filing paperwork; your case could fall apart, be put on hold, or worse, be thrown out altogether (and not in your favor) if legal documents are not filed properly.

They speak the legal jargon.  There are a couple examples when having a lawyer by your side is probably unnecessary—like fighting a speeding ticket or going to a small claims court—but for bigger things such as divorce or a DUI, a lawyer can be crucial.   If your legal matter ends up going to court, having a lawyer speak on your behalf usually works in your favor.  It’s not uncommon for people who represent themselves in court to walk-away from a hearing with higher fines and harsher penalties; they likely didn’t know what to fight for or were intimidated.  A lawyer’s presence in court evens the playing field and can prevent the prosecution from bullying their client.   

Networking is their game.  Attorneys have people on speed dial they can call at a moment’s notice—their professional circles are full of specialists from all different backgrounds and experience.  Whether it’s an expert witness, private detective, government official, or many other professions, it’s unlikely that non-attorneys will have the same access to key people who can help with or challenge evidence or testimony by the opposing party. 

They won’t break the bank.  Depending on your problem, some attorneys can be pricey, but most are very reasonable.  Also, lawyers typically provide a free initial consultation to give you an idea of the type of case you’re dealing with.  From there, you can decide whether or not you need to hire a lawyer.  So really, contacting a lawyer doesn’t necessary come with any financial commitment. 

We can’t see the future.  When we find ourselves in legal trouble, we are expected to get a lawyer.  Doing what’s expected isn’t always the smartest approach though; instead, try planning ahead.  While it may seem unlikely, you could be sued tomorrow or your child’s best friend could fall and break his or her arm on your property—then what?  If you don’t have an attorney, you’re spending hours on Yelp or Google looking for one with a five-star rating.  Avoid the panic by establishing a relationship with a lawyer NOW.  If a problem does arise, the better your attorney knows you, the better he or she can help you.

As a friendly reminder, Active and Retired employees of the Intelligence Community, Department of Defense, and Department of State are eligible for personal legal protection through Compass Rose Benefits Group and LegalShield.  For less than $16 a month, you and your family have access to a top-quality law firm in your area.  Rest easy knowing you’re protected by LegalShield.  Learn more at www.compassrosebenefits.com/Legal today!