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<br />Counselor to help resolve a broad range of emotional, personal and <br />stress-related concerns, from everyday stresses and worries to mood <br />swings, depression, anxiety reactions and phobias. <br /> <br />o Counseling for financial and credit problems. In a "buy now, pay <br />later" world, it's easy to suddenly find oneself in financial <br />trouble. This plan covers the services of a Participating Financial <br />Counselor to help get the Member's finances back under control, <br />analyze spending habits and patterns, develop a realistic, <br />personalized budget, and to educate the Member on available credit <br />rights and options. <br /> <br />o Counseling for childcare matters. Childcare problems can produce <br />frustration, concern and guilt. They can interfere with a parent's <br />routine, causing missed time from work and canceled plans. This <br />plan covers the services of a Participating Counselor to help a <br />Member assess the Member's childcare needs and to identify and <br />evaluate appropriate childcare options. <br /> <br />o Counseling for eldercare matters. Getting the help required to <br />care for an aging relative can be a difficult and confusing process <br />for concerned family members. This plan covers the services of a <br />participating Counselor to help a Member explore and utilize <br />available resources to resolve problems with elder living <br />arrangements, nutrition, health care, legal rights, and Social <br />Security, Medicare and Medicaid benefits. <br /> <br />o Counseling for legal problems. In the past, only the most <br />privileged had routine access to legal advice. Today, legal counsel <br />is frequently a necessity for the average citizen. This plan <br />covers the services of a Participating Legal Counselor to provide <br />legal consultation to Members with legal questions in areas of <br />family law, consumer issues, landlord-tenant disputes, personal <br />injury, contracts and criminal matters. <br /> <br />o Counseling for federal tax problems. Few events in life cause as <br />much worry and preoccupation as dealing with the Internal Revenue <br />Service under potentially adverse circumstances. To Members who are <br />faced with federal tax problems, this plan covers the services of a <br />Participating Tax Counselor to provide tax consultation for: <br /> <br />o Unpaid federal taxes, penalties and interest. <br />o IRS audits. <br />o Unfiled, past-due federal tax returns. <br />o Any other problem with the IRS that you or your family members <br />have unsuccessfully attempted to resolve. <br /> <br />o Counseling for pre-retirement planning. Whatever retirement <br />means to you, be it a time to get away from it all or a chance to <br />develop personal interests, how those years are spent will depend on <br /> <br /> <br />- 5 - <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />" "",.,,.. ,,,"...,,...., . '.-"""''' <br />