Specific stock purchases will not be recommended, but long range planning for retirement, college, tax questions, and other financial questions are addressed. The accounting firm supporting the financial counseling service DOES NOT sell financial products or services to plan members. The monthly fee includes unlimited telephone access to a private attorney, letter writing and phone calls made on the clients behalf by the private attorney, will preparation, document review, and general counsel and advice. Complex issues are handled by a local referral attorney, contracted and supervised by the administrator. Generally the monthly premium is the extent of the cost of the plan for the participant.
Some plans place a cap on certain contested matters beyond which the member pays.
When using a non-network attorney, the member is reimbursed according to a prescribed schedule. Insured plans generally require an employee group above a minimum size. Personal problems often take employee work time to resolve, and cause stress. Too much stress is bad news and contributes to on the job accidents and inefficiencies. These negatively impact an employers health care costs.