Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_01 (00:01):
Good day, everyone, and thank you again for tuning
in to Speaking with Sandra L,the patient experience.
As you all know, with us beingpatients, and I say us because
I'm a patient as well, with usbeing patients, a lot of times,
we focus so much on our healththat a lot of times we miss
(00:22):
everything else that goes alongwith health, such as finances,
such as legal, you know, anumber of other things, you
know, life insurance.
We don't focus on those things.
And so what happens is that whenwe're placed in a position where
we have, you know, a really badpatient experience, or we're
faced with an unseen or unheardof health diagnosis, where
(00:46):
within our community there isnot a lot of specialists that
deal with a lot of the unseenand unheard of diagnoses.
What happens is that we panic.
And we panic, and that panicleads to stress, and that stress
leads to, oh my God, so manyother unknown things that we
(01:06):
proactively, if we were takingcare of them proactively, it
wouldn't be that big of astress.
But because unfortunately wewait sometimes until we get that
bad news, or not so much badnews, but that news that we just
didn't want to hear, um, good,bad, or in between is something
that we just didn't want tohear.
(01:27):
We retroactively try to, youknow, work through those
problems and work through thoseissues and try to make sure all
our T's are crossed and all ourI's are dotted.
But it's unfortunate that whenwe are you know retroactively
trying to work on things that weshould have been proactively
working on, guess what?
(01:49):
It doesn't happen.
We lose sight.
We, you know, we're when we'rewe're trying to remember
everything, but we just can'tbecause we're you know, we're
sick or we're going through andthere's so much devastation that
we can't.
Unfortunately, in ourcommunities, a lot of times,
we're not educated on the thingsthat we should be doing.
(02:09):
We're educated on, hey, go tothe drugstore, pharmacy, and
pick this prescription up orprescriptions up, medication up,
go to therapy.
We're told all of these things,but we're not told, okay, well,
go to therapy and go pick yourmedicine up, but also look at
what paper documentation youhave on file so that should you
(02:31):
need some additional, you knowwhere to go get it while you're
in good health versus once againwaiting for you to retroactively
be in health.
So today, our special guest isUN Ambassador Dr.
Angela J.
Neely.
Now it's a mouthful, but shedeserves that mouthful because
(02:51):
she does so much.
Um, one of the things that shedoes do is she works as a senior
manager for Legal Shield.
Many of us have heard of thename Legal Shield.
Many of us know a little bitabout what Legal Shield does and
how Legal Shield helps us inother circumstances, but not
(03:12):
enough is known about how LegalSHIL can help us with our
medical paperwork, ourhealthcare paperwork.
And that's the part that we needto hear about.
That's the part that we need toknow so that we'll know, you
know, well, I need these papers,but I don't have thousands and
thousands of dollars to go get alawyer to help me with these
(03:35):
papers.
So I really need to get someonethat I can, you know, afford
that can send me to someplacethat can help me so that I have
these paperworks, this paperworktogether.
Should something happen to me,everything is all done.
Without further ado, I'm gonnago ahead and introduce you in
Ambassador Dr.
(03:55):
Angela J Neely.
And I'm gonna let you her fillus in on what it is that Legal
Shield offers that we aspatients need to know about
because when we know about it,that patient experience becomes
so much better.
Our stress level is reduced, ourworry and anxiety and fear about
(04:16):
the unknown becomes a little bitclearer.
And so without further ado, youand ambassador, please go ahead
and tell us what Legal Shielddoes in terms of health care for
patients who may need to havedocumentation written.
SPEAKER_00 (04:33):
Thomas Washington, thank you so much for the
invitation.
And I really want to referenceuh, I have a website, and there
are some items on the websitethat can really benefit uh a
potential client in ourleadership business.
Um, what we do is cover theopportunity for a patient to
(04:57):
understand what's happening tothem.
So if there are documentsthey're being given, um if they
are recommended for surgery, ifthey're recommended for an
extensive process, that they canupload to our membership an app
on their phone, and a real-timeattorney will return a call
(05:18):
within four hours based onreading over the documents and
spending time on the phone withthat patient.
It's not an extra$500 to speakto the attorney, it's not$300 to
look at the document.
That comes with the membership.
And we have three differentlevels, but based on the
(05:40):
information you've given me, umwe have there's the premium
level, and that's at rounded upto$50 a month.
But what it does if you haveextenuating medical issues, it
allows you to understand acouple things.
One, and I'm looking for mywebsite while I'm talking to
you, there's will preparation,durable power attorney,
(06:04):
physicians directive, livingwill.
Those are three subject areasthat our audience needs to
understand and they need to becomfortable with.
So if you know that you haveattenuating health issues and
you are going to see yourphysician and your specialist, I
mean regularly, like every week,and you know that you are
(06:27):
positioned for a major surgery,one of the things the physician
does is they ask you, anddefinitely the anesthesia, they
ask you, do you have a will?
You should have a will, and youshould have a living will.
And in that living will, it'scalled the physician's
(06:48):
directive, and that directs thephysician to care for you as you
decide.
Now the physician will say, Ineed you to do A, B, C, and D.
I recommend you have A, B, C,and D surgery.
But ultimately, it is up to you,the patient, to make that
decision.
But you also must understandwhat is going on with you
(07:12):
internally, and you should beable to look through those
documents, understand them, andshare them with the physician,
which is which is a part of theHIPAA process.
In so doing, once you do that,if you decide or you elect to
have the surgery, maybe it's notan elective surgery, you still
(07:34):
have in your will your durablepower of attorney, your
physician's directive, in yourwill preparation, you have the
right to do what you want to do.
Um, the physician may saysomething to you like, if you
don't have this surgery, you'regoing to pass away in the next
30, 60, 90 days.
I understand that and I hearthat, but don't be crunched if I
(07:57):
can use that word by whatthey're saying and feeling
stressed that you have to dothat.
Ultimately, you have the lastdecision.
Can you consult with yourattorney based on this aspect
and this and the locker in yourarea where you live?
Yes.
Can you see the attorney inperson?
You can.
(08:17):
Can you do things like phone,Zoom, yes, whatever it takes?
But once you invest in themembership, okay, and I give it
to the highest one, which wecall the premium, especially if
you have intense uh healthcareneeds, um, then from there you
have the option to do what youneed to do.
Again, I want to emphasize ifyou don't understand the legal
(08:40):
paperwork they're presented toyou, the option is to upload
that paperwork in the app.
Attorney can explain some of thefinal print just to put you at
ease so you can make yourdecision.
You don't want to make a quickdecision and you don't
understand what's going on.
(09:01):
You also want to parallel thatinformation in with your the
will that you should construct.
It can be basic.
Just at least have a basic will.
(09:25):
And from there, once youfinalize it with the app, you
can change it once a year.
You still have access to thoseattorneys or attorney that
you've identified, that they'veidentified for you to clarify
the information as often as youneed.
Again, let me emphasize it's notfive hundred dollars every time
(09:46):
you call the attorney, it's notthree hundred dollars every time
you need a document read,whether it's one page or thirty
pages or forty pages.
I just want to be sure I getjust the outline of the
conversation.
unknown (09:59):
Ms.
SPEAKER_00 (10:00):
Washington, do you think anything you want to add
or ask?
Or does that cover the area?
SPEAKER_01 (10:06):
Well, I it does.
And you know, speaking of thewill, the living will, many
people feel as though, okay,well, I'm married, so who do I
need a living will for?
Especially in, you know, ifyou're a business owner or an
entrepreneur, even asolopreneur, and you're like,
oh, well, I'm married, I don'tneed all that, or I have kids,
(10:29):
I'm just gonna leave it to mykids.
Uh, can you explain how legalshield can't walk a person
through thinking about ahusband, a wife, or a child
leaving information, leaving abusiness to them and helping
them sort through that?
SPEAKER_00 (10:45):
So you have what's called an estate plan.
Typically, an estate plan hasfive parts.
And I've had an estate plansince I was early 40s.
And even though I'm single, Ihad to direct what is to happen
to me if stigmatically I becomeunresponsive for X amount of
time.
(11:06):
So if you're married, you haveto tell your spouse, you have to
put it in writing, both of you.
The husband has to tell the wifeat his will, the wife has to
tell the husband at her will,and you have to give specific
instructions.
You have to give specificinstructions if something should
happen to my husband, I'm happy,but if I something should happen
to my husband, okay, the nextpersons in line are the ones who
(11:32):
have the opportunity to speak onmy behalf.
That's called durable problem ofattorney.
The physician's directive iswhat each of you in the marriage
gives to the physician theirspecific position.
Okay.
When you finally uh identifythat, the individuals who you've
(11:53):
identified must have a copy andthey need to know their role.
So for me, I have twobusinesses, legal shield and a
machine.
So my administrator uh is notthe same person as the
beneficiary.
So my niece is the beneficiary,for example, of everything that
I own.
(12:14):
Her daughter will receive bothof my businesses.
She won't hear both mybusinesses.
The administrator of the will isthe one who directs that
activity and ensures all thelegal details are covered.
So I hope that that kind ofgives you a framework of how the
(12:35):
structure begins.
SPEAKER_01 (12:38):
It does, and I want to thank you so much because of
the simple fact that a lot oftimes, you know, once again, we
especially in our community,we're retroactively waiting for
things to happen.
And we're like, well, I don'thave the money for this, and I
don't have the money for that.
I would much rather spend, youknow, a minimum amount of money
(12:58):
making sure that I have accessto getting every document I
need.
Because how many times do wehear our loved ones, or how many
times do we say to ourselves, Ilove you?
And love, when it comes down tothat, should mean so much more
than just saying those threewords.
It should mean going out andproactively ensuring that you do
(13:21):
have the paper, the correctpaperwork.
You even if you don't, you know,we're talking about legal shield
today because you're anambassador nearly.
That's what product she workswith, and that's what product
she represents.
But there are other products outthat you can look into and see,
you know, okay, well, thisdoesn't work, but this does.
(13:42):
Our importance to you today, asfar as patients' experience, is
this we want you to stop sittingon these sidelines, stop
spending your money on things ormaterialistic things that can
you if you have a fire, thosematerialistic things are gone,
(14:03):
right?
If you get in an accident, caraccident, you have no the
materialistic things that you'respending your money on, you you
what is what what worth does ithave for you?
You know, you you say you love,let's start showing our family
that we really do love them bygoing out and making sure that
(14:23):
we're covered, making sure thatin addition to having the
paperwork, the HIPAA, thedurable power of attorney, the
legal will, making sure thatthat information that we have is
the correct information becausethere's more than a living will.
But you wouldn't know that ifyou didn't talk to someone such
(14:45):
as Dr.
Neely or you didn't talk, justsuch as Ambassador Neely, or if
you didn't know that a legalshield even existed for amount
that you could afford to pay,you wouldn't know these things,
right?
But you have to start knowingthese things.
Time is not standing still, timekeeps moving.
The times that we are in now, wecan't continue to sit on the
(15:09):
sidelines and say, Well, we'rejust gonna wait for them to fix
it.
If you're doing that, it's notgonna get fixed.
You know, you're waiting for asavior to come save you that's
not gonna come.
You have a part as far as apatient, you have a part to play
in this whole situation onwhether you get well, whether
you stay sick, whether yourpatient experience is good,
(15:29):
whether it's bad, whether youhave all the documentation you
need or whether you don't.
And you know, and to be reallyhonest with you, some of the
documentation that you wouldneed as far as legal, we're
sitting on this call todaytalking, but we don't really
know every document that would,because it's individualized.
(15:50):
So we wouldn't know everydocument, we'll know the main
ones you need, but you talkingto an attorney at a price that
you can afford will actuallypoint out all of the
documentation that you needthat's specific to you.
But you're not doing it.
I mean, I love you as a brokenpromise, really, when you say
(16:10):
that and you're not doing whatyou should be doing in order to,
you know, take care of yourbusiness proactively.
Uh you're an ambassador.
Is there any other points thatlegal shield can help a patient
or a care, even a caregiver?
Are there documentations that acaregiver should have in
(16:30):
addition to what is alreadybeing held by the patient?
SPEAKER_00 (16:34):
Yes, on Sundays at 3 o'clock, we have a love letter
to our family Zoom that happensan hour long, 3 o'clock Eastern
Standard Time, every Sunday.
And it's one of your associates,uh, Ms.
Martial, who conducts this uhreal seminar is for nine.
Well, she talks about the wholeprocess, talks about all nine
(16:54):
fees that have to be filled out.
So the will is a part of youknow your state claim.
But you have to understand thatin that the drive attorneys, I
mentioned before, the physiciansdirective, which is part of the
living round, the revocableliving trust reparation, that's
those components to make thatup.
(17:14):
You have to make sure you havelife insurance, and it suggests
the minimum is$15,000.
That's about it costs about$11,000 to the very person in at
the end of their life.
And so you want to be sure thatthe person who's you've decided
that administrative will knowsthat, okay, and that the
(17:36):
beneficiaries know who they are.
And so you put those kinds ofcomponents in the will.
You also make sure that theperson um who needs those
understands those terms, theyunderstand durable power of
attorney, they understand thephysicians directly, which is
part of the living will, theyunderstand remountable living
trust reparation.
If they want to do more than,for example, 15,000.
(17:59):
Let's say they want amillion-dollar policy.
Now you're leaving funds totheir heirs, those are the
people who are thebeneficiaries, heirs are
beneficiaries, and so you wantto decide who is receiving what
so that there is no conflict atthe end of life.
Everybody knows that lifeinsurance policy is from, let's
(18:20):
say, a company B.
And that company then iscontacted by the administrator
of will immediately upon thedeath of the person.
Okay, from there, now the livingbrain and all that directive is
out of the picture because theperson has passed away.
Now the will comes into play,and so everything that that
(18:41):
person has said must befollowed.
So the monies will immediatelygo to a trust.
If their heirs are younger thana particular age, and a trust
has been set up, and they cannotaccess those funds till they're
to the to what the person passedaway said.
Maybe they can't have the fundsout of the million dollars till
(19:01):
they're 25.
They can't have the next amountof funds till they're 35.
So it's very specific kinds ofthings.
But inside the will, the personnow passed away, the insurance
policy now begins to pay um forthe archair that they choose.
It begins to pay for theirfuneral and all of those kinds
of things that are associatedwith it, the casket, the um uh
(19:23):
the limousine, the process, thepastor who's doing who's a
fishing of the of the funeral,all of those things.
And I think we have to thinkthrough them, and all of it has
to be a writing so thateverything goes smoothly because
don't find the kinds of things Isee out there.
The average person doesn't makethe kind of income, like
(19:44):
100,000, 150,000.
You know, the average person, acitizen of the United States,
uh, out of 400 million people,you know, 200 million, 250
million adults, don't make thatkind of income.
So what legal shield does, andit's unique compared to other
entities that are available, isthat we have the attorneys.
The attorneys follow through.
(20:05):
They read the documents, notjust to set up the will, it's
that you follow through with thewill.
And that's the beauty of havingwhat we do and why we're so
unique.
We're out of Oklahoma, we'vebeen around 52 years, 253 years,
we've refined this process,there's a happening family.
So the ability to communicateand how it's going on with
(20:26):
everybody in their family is iswrong.
It's not it's not a situation,it's a macro situation.
So I think that that it was someclarification on who is doing
what and where and how all theparts fit together to complete a
suiting process because weshouldn't have in our community,
but we do.
We shouldn't have had theGoFundMe's.
(20:48):
The life insurance policy issomething that even the young
person should have.
And it will take care of allthose things.
You won't need a GoFundMe, okay.
SPEAKER_01 (21:02):
I thank you so much for giving that information.
And I do want to ask you thisbefore we close out.
I want you to take three thingsthat are related to legal and
related to health care, andleave us with three words.
I don't want to say three wordsof advice, but three call to
actions to help us in ourcommunity see the importance of
(21:27):
having healthcare documents, butalso having those healthcare
documents reviewed by anattorney, which we can actually
pay for legal shield services toget us to someone that can help
us um prepare, correctlyprepare, correctly document um
those those items that need tobe documented.
(21:48):
What three call of action callto actions would you could you
put out to us?
SPEAKER_00 (21:54):
So first can you put your estate plan?
That's the um roll, the estateplan.
Under the estate plan is yourwill.
Under that, those next twoitems, if nothing else, durable
product attorney, that means ifsomething happens to you,
someone can speak on yourbehalf.
(22:16):
So that's the administrator'swill.
That's his or her role.
And then the last case is thephysician's directive.
Again, when you're ready to gointo like heart surgery or brain
surgery, your physician's gonnaask you for that.
They're gonna ask you for thatinformation.
And so that information will beavailable uh via on your phone,
(22:36):
uh, in paper, somewhere where itcan be seen.
And it's been it's been uhwitnessed, you have two
witnesses, and and then you havenotarized and based real pieces.
I have that in place.
I buy parts of my my state plan,but those three things.
So your state plan, your will,and then the dual power
(22:59):
attorney's physicians directed,those who come together.
SPEAKER_01 (23:03):
I do want to ask you another question before we get.
Well, actually, two morequestions.
It just came to mind, and that'sbecause so often I hear from
people that do this and saythis.
I don't have a house.
So what are they gonna take?
I I don't have any property, sowhat do I need on this date
(23:25):
planning for?
Can you please insert that?
SPEAKER_00 (23:27):
Yeah, yeah, those things are materialistic, and
and what you want is from ahealth point, we're really
talking about the health of theperson.
We need somebody who will speakin a compassionate and pathetic
manner on your behalf when youbecome incapacitated.
So they will, and thephysician's directive allows for
(23:49):
that, and so even though youdon't have marriage and all
those kind of things, it is yourhealth.
It is how should we care for youso that you either transition
smoothly or that you come out ofthis stressful medical emergency
situation, which happens.
So it's not about it's notalways about that you don't have
(24:09):
property or cars or dominance orstuff.
It's about you personally, andthat's that's important in our
community because we are soplagued with diabetes and
hypertension and high bloodpressure, which takes us out so
early and incapacitates us.
We have to have a will thatsays, here's how once we cared
(24:31):
for, who's the individuals, itwould just protect uh you, the
person, from anybody else havinginformation other than you and
your physician, which is reallyhow it works.
But it just became wrong, youknow, 15, 20, or 15 years ago.
SPEAKER_01 (24:46):
So thank you so much for that.
How can someone that's listeningto this podcast or viewing this
podcast and they say, you knowwhat, Sandra, you're making
perfect sense.
I now see, thanks to thatconversation that you have with
you and ambassador, I now seethat I need help, I need dental,
(25:09):
I need vision, I need to havelife insurance, but I also need
to have legal insurance to kindof round out every plan that I
need.
So if someone should say that,how can they get in touch with
you?
Or how do they get in touch withlegal shields so that they can
speak to someone to see whatthey can purchase?
(25:31):
And is legal shields somethingthat's offered to employees?
SPEAKER_00 (25:34):
Yes, there's two ways to do that.
You can reach out to me as anassociate, I'll be more than
happy to take care of you.
Um, I say the best way to dothat, you can reach out to me on
LinkedIn or I can give my email,which I don't have a problem
doing that, and you can email meand we can discuss it from
there.
Um, another way uh in general,if you if you work for your
(25:59):
company, okay, ask the HR reachHR department and ask them is
there a policy or or is therelegal shield available through
their plan?
Because only we only have a 3%market penetration.
So we only have 4 million, 4 or5 million people that we that
are benefiting out of, as Isaid, more than a million people
(26:19):
and uh 250 million adults.
So we still have much, muchground to cover, and I'll be
more than happy as I said tofacilitate any conversations.
I'm on LinkedIn.
Um I can give my email, angelajamdeealy at gmail.com.
I can give my website and Ithink it's a pretty long
interact address.
(26:40):
But I think emailing me would begreat.
I'll be more than happy uh toaccommodate you.
SPEAKER_01 (26:48):
Thank you so much for that information, and thank
you so much for taking time outof your super busy day.
Every time I ask, you alwayscome through.
You're always like, Yes, Andrew,you know, what when do you need
me?
What do I need to talk about?
You know, and as I thought aboutit, I said, you know, I really
could have her talk aboutsomething dealing with the
(27:09):
environment or somethingtouching one of the five social
determinants of health factors.
But then I thought about it andI was like, you know, I thought
a little harder about it.
I said, you know what?
She does do legal shield, andour community is not getting the
point of the importance ofhaving legal as one of those
(27:30):
benefits that they have everyyear, even going to the employer
and saying to their HR person,especially as open enrollment
time opens up this time of year,and saying, Hey, I see you don't
offer legal shield.
Is there a way that we can getan offer or can I purchase it on
my own and being reimbursed forit?
You know, closed mouths don'tget fed.
(27:52):
But if the idea doesn't evenpopulate in your mind, now is a
better time to actually, youknow, put it out there.
Like, hey, ask and see and takeadvantage of this because you
never know when you'll need it.
Now, it doesn't, Legal Shieldcovers so much more than health,
but because the importance ofour podcast is health and it's
(28:15):
patient education and patientknowledge, that's why we brought
the health into it.
But legal legal shield offers alot of benefits to those who
need those benefits, they areoffered.
So once again, please reach out.
UN Ambassador Neely is onLinkedIn, she's also on
(28:36):
Facebook.
She had, you know, herinformation is out there.
And if you need her informationfor whatever reason, you're like
Sandra.
I I know she said it, but Ididn't get it.
That's fine.
Please reach out to me and say,can you send me the information
for the legal shield seniormanager that was on your show so
that I can talk to them?
Because I would love to be ableto, you know, get a policy so
(29:00):
that I can make sure I have allthe all my legal documents
together as far as health care.
Because once again, it makes nodifference whether you're
married, whether you have kids,whether those kids are adult or
those kids are are children, um,not yet of the adult age.
These documents are needed, theyneeded to be discussed, they
(29:23):
needed to be discussed withtheir family.
So should something happen toyou, you'll know how to actually
get, you know, what to do andhow to get a hold of things and
what the proper order of thingsis.
So I thank you for that.
And I ask everyone to continueto be kind always.
Being kind does not costanything, it's free.
(29:45):
When you're looking forfreebies, being kind is at the
top of the list.
You never know what someone isgoing through where they need
for you to be kind to them, evenif they're being mean to you.
A lot of times it's somethingthat they're dealing with, and
you being Kind to them may causethem.
I'm not gonna say it will causethem, but it might cause them to
think about what the situationis and then to turn around and
(30:09):
be kind and be kind not only tothemselves but to others.
So with that being said, I thankyou so much.
I want you to have the rest of abeautiful day, a beautiful
evening, and I shall talk to yousoon.
SPEAKER_00 (30:21):
Thank you, Mr.
Washington.
Have a good day.
Good day, everyone, and thank you again for tuning
in to Speaking with Sandra L,the patient experience.
As you all know, with us beingpatients, and I say us because
I'm a patient as well, with usbeing patients, a lot of times,
we focus so much on our healththat a lot of times we miss
(00:22):
everything else that goes alongwith health, such as finances,
such as legal, you know, anumber of other things, you
know, life insurance.
We don't focus on those things.
And so what happens is that whenwe're placed in a position where
we have, you know, a really badpatient experience, or we're
faced with an unseen or unheardof health diagnosis, where
(00:46):
within our community there isnot a lot of specialists that
deal with a lot of the unseenand unheard of diagnoses.
What happens is that we panic.
And we panic, and that panicleads to stress, and that stress
leads to, oh my God, so manyother unknown things that we
(01:06):
proactively, if we were takingcare of them proactively, it
wouldn't be that big of astress.
But because unfortunately wewait sometimes until we get that
bad news, or not so much badnews, but that news that we just
didn't want to hear, um, good,bad, or in between is something
that we just didn't want tohear.
(01:27):
We retroactively try to, youknow, work through those
problems and work through thoseissues and try to make sure all
our T's are crossed and all ourI's are dotted.
But it's unfortunate that whenwe are you know retroactively
trying to work on things that weshould have been proactively
working on, guess what?
(01:49):
It doesn't happen.
We lose sight.
We, you know, we're when we'rewe're trying to remember
everything, but we just can'tbecause we're you know, we're
sick or we're going through andthere's so much devastation that
we can't.
Unfortunately, in ourcommunities, a lot of times,
we're not educated on the thingsthat we should be doing.
(02:09):
We're educated on, hey, go tothe drugstore, pharmacy, and
pick this prescription up orprescriptions up, medication up,
go to therapy.
We're told all of these things,but we're not told, okay, well,
go to therapy and go pick yourmedicine up, but also look at
what paper documentation youhave on file so that should you
(02:31):
need some additional, you knowwhere to go get it while you're
in good health versus once againwaiting for you to retroactively
be in health.
So today, our special guest isUN Ambassador Dr.
Angela J.
Neely.
Now it's a mouthful, but shedeserves that mouthful because
(02:51):
she does so much.
Um, one of the things that shedoes do is she works as a senior
manager for Legal Shield.
Many of us have heard of thename Legal Shield.
Many of us know a little bitabout what Legal Shield does and
how Legal Shield helps us inother circumstances, but not
(03:12):
enough is known about how LegalSHIL can help us with our
medical paperwork, ourhealthcare paperwork.
And that's the part that we needto hear about.
That's the part that we need toknow so that we'll know, you
know, well, I need these papers,but I don't have thousands and
thousands of dollars to go get alawyer to help me with these
(03:35):
papers.
So I really need to get someonethat I can, you know, afford
that can send me to someplacethat can help me so that I have
these paperworks, this paperworktogether.
Should something happen to me,everything is all done.
Without further ado, I'm gonnago ahead and introduce you in
Ambassador Dr.
(03:55):
Angela J Neely.
And I'm gonna let you her fillus in on what it is that Legal
Shield offers that we aspatients need to know about
because when we know about it,that patient experience becomes
so much better.
Our stress level is reduced, ourworry and anxiety and fear about
(04:16):
the unknown becomes a little bitclearer.
And so without further ado, youand ambassador, please go ahead
and tell us what Legal Shielddoes in terms of health care for
patients who may need to havedocumentation written.
SPEAKER_00 (04:33):
Thomas Washington, thank you so much for the
invitation.
And I really want to referenceuh, I have a website, and there
are some items on the websitethat can really benefit uh a
potential client in ourleadership business.
Um, what we do is cover theopportunity for a patient to
(04:57):
understand what's happening tothem.
So if there are documentsthey're being given, um if they
are recommended for surgery, ifthey're recommended for an
extensive process, that they canupload to our membership an app
on their phone, and a real-timeattorney will return a call
(05:18):
within four hours based onreading over the documents and
spending time on the phone withthat patient.
It's not an extra$500 to speakto the attorney, it's not$300 to
look at the document.
That comes with the membership.
And we have three differentlevels, but based on the
(05:40):
information you've given me, umwe have there's the premium
level, and that's at rounded upto$50 a month.
But what it does if you haveextenuating medical issues, it
allows you to understand acouple things.
One, and I'm looking for mywebsite while I'm talking to
you, there's will preparation,durable power attorney,
(06:04):
physicians directive, livingwill.
Those are three subject areasthat our audience needs to
understand and they need to becomfortable with.
So if you know that you haveattenuating health issues and
you are going to see yourphysician and your specialist, I
mean regularly, like every week,and you know that you are
(06:27):
positioned for a major surgery,one of the things the physician
does is they ask you, anddefinitely the anesthesia, they
ask you, do you have a will?
You should have a will, and youshould have a living will.
And in that living will, it'scalled the physician's
(06:48):
directive, and that directs thephysician to care for you as you
decide.
Now the physician will say, Ineed you to do A, B, C, and D.
I recommend you have A, B, C,and D surgery.
But ultimately, it is up to you,the patient, to make that
decision.
But you also must understandwhat is going on with you
(07:12):
internally, and you should beable to look through those
documents, understand them, andshare them with the physician,
which is which is a part of theHIPAA process.
In so doing, once you do that,if you decide or you elect to
have the surgery, maybe it's notan elective surgery, you still
(07:34):
have in your will your durablepower of attorney, your
physician's directive, in yourwill preparation, you have the
right to do what you want to do.
Um, the physician may saysomething to you like, if you
don't have this surgery, you'regoing to pass away in the next
30, 60, 90 days.
I understand that and I hearthat, but don't be crunched if I
(07:57):
can use that word by whatthey're saying and feeling
stressed that you have to dothat.
Ultimately, you have the lastdecision.
Can you consult with yourattorney based on this aspect
and this and the locker in yourarea where you live?
Yes.
Can you see the attorney inperson?
You can.
(08:17):
Can you do things like phone,Zoom, yes, whatever it takes?
But once you invest in themembership, okay, and I give it
to the highest one, which wecall the premium, especially if
you have intense uh healthcareneeds, um, then from there you
have the option to do what youneed to do.
Again, I want to emphasize ifyou don't understand the legal
(08:40):
paperwork they're presented toyou, the option is to upload
that paperwork in the app.
Attorney can explain some of thefinal print just to put you at
ease so you can make yourdecision.
You don't want to make a quickdecision and you don't
understand what's going on.
(09:01):
You also want to parallel thatinformation in with your the
will that you should construct.
It can be basic.
Just at least have a basic will.
(09:25):
And from there, once youfinalize it with the app, you
can change it once a year.
You still have access to thoseattorneys or attorney that
you've identified, that they'veidentified for you to clarify
the information as often as youneed.
Again, let me emphasize it's notfive hundred dollars every time
(09:46):
you call the attorney, it's notthree hundred dollars every time
you need a document read,whether it's one page or thirty
pages or forty pages.
I just want to be sure I getjust the outline of the
conversation.
unknown (09:59):
Ms.
SPEAKER_00 (10:00):
Washington, do you think anything you want to add
or ask?
Or does that cover the area?
SPEAKER_01 (10:06):
Well, I it does.
And you know, speaking of thewill, the living will, many
people feel as though, okay,well, I'm married, so who do I
need a living will for?
Especially in, you know, ifyou're a business owner or an
entrepreneur, even asolopreneur, and you're like,
oh, well, I'm married, I don'tneed all that, or I have kids,
(10:29):
I'm just gonna leave it to mykids.
Uh, can you explain how legalshield can't walk a person
through thinking about ahusband, a wife, or a child
leaving information, leaving abusiness to them and helping
them sort through that?
SPEAKER_00 (10:45):
So you have what's called an estate plan.
Typically, an estate plan hasfive parts.
And I've had an estate plansince I was early 40s.
And even though I'm single, Ihad to direct what is to happen
to me if stigmatically I becomeunresponsive for X amount of
time.
(11:06):
So if you're married, you haveto tell your spouse, you have to
put it in writing, both of you.
The husband has to tell the wifeat his will, the wife has to
tell the husband at her will,and you have to give specific
instructions.
You have to give specificinstructions if something should
happen to my husband, I'm happy,but if I something should happen
to my husband, okay, the nextpersons in line are the ones who
(11:32):
have the opportunity to speak onmy behalf.
That's called durable problem ofattorney.
The physician's directive iswhat each of you in the marriage
gives to the physician theirspecific position.
Okay.
When you finally uh identifythat, the individuals who you've
(11:53):
identified must have a copy andthey need to know their role.
So for me, I have twobusinesses, legal shield and a
machine.
So my administrator uh is notthe same person as the
beneficiary.
So my niece is the beneficiary,for example, of everything that
I own.
(12:14):
Her daughter will receive bothof my businesses.
She won't hear both mybusinesses.
The administrator of the will isthe one who directs that
activity and ensures all thelegal details are covered.
So I hope that that kind ofgives you a framework of how the
(12:35):
structure begins.
SPEAKER_01 (12:38):
It does, and I want to thank you so much because of
the simple fact that a lot oftimes, you know, once again, we
especially in our community,we're retroactively waiting for
things to happen.
And we're like, well, I don'thave the money for this, and I
don't have the money for that.
I would much rather spend, youknow, a minimum amount of money
(12:58):
making sure that I have accessto getting every document I
need.
Because how many times do wehear our loved ones, or how many
times do we say to ourselves, Ilove you?
And love, when it comes down tothat, should mean so much more
than just saying those threewords.
It should mean going out andproactively ensuring that you do
(13:21):
have the paper, the correctpaperwork.
You even if you don't, you know,we're talking about legal shield
today because you're anambassador nearly.
That's what product she workswith, and that's what product
she represents.
But there are other products outthat you can look into and see,
you know, okay, well, thisdoesn't work, but this does.
(13:42):
Our importance to you today, asfar as patients' experience, is
this we want you to stop sittingon these sidelines, stop
spending your money on things ormaterialistic things that can
you if you have a fire, thosematerialistic things are gone,
(14:03):
right?
If you get in an accident, caraccident, you have no the
materialistic things that you'respending your money on, you you
what is what what worth does ithave for you?
You know, you you say you love,let's start showing our family
that we really do love them bygoing out and making sure that
(14:23):
we're covered, making sure thatin addition to having the
paperwork, the HIPAA, thedurable power of attorney, the
legal will, making sure thatthat information that we have is
the correct information becausethere's more than a living will.
But you wouldn't know that ifyou didn't talk to someone such
(14:45):
as Dr.
Neely or you didn't talk, justsuch as Ambassador Neely, or if
you didn't know that a legalshield even existed for amount
that you could afford to pay,you wouldn't know these things,
right?
But you have to start knowingthese things.
Time is not standing still, timekeeps moving.
The times that we are in now, wecan't continue to sit on the
(15:09):
sidelines and say, Well, we'rejust gonna wait for them to fix
it.
If you're doing that, it's notgonna get fixed.
You know, you're waiting for asavior to come save you that's
not gonna come.
You have a part as far as apatient, you have a part to play
in this whole situation onwhether you get well, whether
you stay sick, whether yourpatient experience is good,
(15:29):
whether it's bad, whether youhave all the documentation you
need or whether you don't.
And you know, and to be reallyhonest with you, some of the
documentation that you wouldneed as far as legal, we're
sitting on this call todaytalking, but we don't really
know every document that would,because it's individualized.
(15:50):
So we wouldn't know everydocument, we'll know the main
ones you need, but you talkingto an attorney at a price that
you can afford will actuallypoint out all of the
documentation that you needthat's specific to you.
But you're not doing it.
I mean, I love you as a brokenpromise, really, when you say
(16:10):
that and you're not doing whatyou should be doing in order to,
you know, take care of yourbusiness proactively.
Uh you're an ambassador.
Is there any other points thatlegal shield can help a patient
or a care, even a caregiver?
Are there documentations that acaregiver should have in
(16:30):
addition to what is alreadybeing held by the patient?
SPEAKER_00 (16:34):
Yes, on Sundays at 3 o'clock, we have a love letter
to our family Zoom that happensan hour long, 3 o'clock Eastern
Standard Time, every Sunday.
And it's one of your associates,uh, Ms.
Martial, who conducts this uhreal seminar is for nine.
Well, she talks about the wholeprocess, talks about all nine
(16:54):
fees that have to be filled out.
So the will is a part of youknow your state claim.
But you have to understand thatin that the drive attorneys, I
mentioned before, the physiciansdirective, which is part of the
living round, the revocableliving trust reparation, that's
those components to make thatup.
(17:14):
You have to make sure you havelife insurance, and it suggests
the minimum is$15,000.
That's about it costs about$11,000 to the very person in at
the end of their life.
And so you want to be sure thatthe person who's you've decided
that administrative will knowsthat, okay, and that the
(17:36):
beneficiaries know who they are.
And so you put those kinds ofcomponents in the will.
You also make sure that theperson um who needs those
understands those terms, theyunderstand durable power of
attorney, they understand thephysicians directly, which is
part of the living will, theyunderstand remountable living
trust reparation.
If they want to do more than,for example, 15,000.
(17:59):
Let's say they want amillion-dollar policy.
Now you're leaving funds totheir heirs, those are the
people who are thebeneficiaries, heirs are
beneficiaries, and so you wantto decide who is receiving what
so that there is no conflict atthe end of life.
Everybody knows that lifeinsurance policy is from, let's
(18:20):
say, a company B.
And that company then iscontacted by the administrator
of will immediately upon thedeath of the person.
Okay, from there, now the livingbrain and all that directive is
out of the picture because theperson has passed away.
Now the will comes into play,and so everything that that
(18:41):
person has said must befollowed.
So the monies will immediatelygo to a trust.
If their heirs are younger thana particular age, and a trust
has been set up, and they cannotaccess those funds till they're
to the to what the person passedaway said.
Maybe they can't have the fundsout of the million dollars till
(19:01):
they're 25.
They can't have the next amountof funds till they're 35.
So it's very specific kinds ofthings.
But inside the will, the personnow passed away, the insurance
policy now begins to pay um forthe archair that they choose.
It begins to pay for theirfuneral and all of those kinds
of things that are associatedwith it, the casket, the um uh
(19:23):
the limousine, the process, thepastor who's doing who's a
fishing of the of the funeral,all of those things.
And I think we have to thinkthrough them, and all of it has
to be a writing so thateverything goes smoothly because
don't find the kinds of things Isee out there.
The average person doesn't makethe kind of income, like
(19:44):
100,000, 150,000.
You know, the average person, acitizen of the United States,
uh, out of 400 million people,you know, 200 million, 250
million adults, don't make thatkind of income.
So what legal shield does, andit's unique compared to other
entities that are available, isthat we have the attorneys.
The attorneys follow through.
(20:05):
They read the documents, notjust to set up the will, it's
that you follow through with thewill.
And that's the beauty of havingwhat we do and why we're so
unique.
We're out of Oklahoma, we'vebeen around 52 years, 253 years,
we've refined this process,there's a happening family.
So the ability to communicateand how it's going on with
(20:26):
everybody in their family is iswrong.
It's not it's not a situation,it's a macro situation.
So I think that that it was someclarification on who is doing
what and where and how all theparts fit together to complete a
suiting process because weshouldn't have in our community,
but we do.
We shouldn't have had theGoFundMe's.
(20:48):
The life insurance policy issomething that even the young
person should have.
And it will take care of allthose things.
You won't need a GoFundMe, okay.
SPEAKER_01 (21:02):
I thank you so much for giving that information.
And I do want to ask you thisbefore we close out.
I want you to take three thingsthat are related to legal and
related to health care, andleave us with three words.
I don't want to say three wordsof advice, but three call to
actions to help us in ourcommunity see the importance of
(21:27):
having healthcare documents, butalso having those healthcare
documents reviewed by anattorney, which we can actually
pay for legal shield services toget us to someone that can help
us um prepare, correctlyprepare, correctly document um
those those items that need tobe documented.
(21:48):
What three call of action callto actions would you could you
put out to us?
SPEAKER_00 (21:54):
So first can you put your estate plan?
That's the um roll, the estateplan.
Under the estate plan is yourwill.
Under that, those next twoitems, if nothing else, durable
product attorney, that means ifsomething happens to you,
someone can speak on yourbehalf.
(22:16):
So that's the administrator'swill.
That's his or her role.
And then the last case is thephysician's directive.
Again, when you're ready to gointo like heart surgery or brain
surgery, your physician's gonnaask you for that.
They're gonna ask you for thatinformation.
And so that information will beavailable uh via on your phone,
(22:36):
uh, in paper, somewhere where itcan be seen.
And it's been it's been uhwitnessed, you have two
witnesses, and and then you havenotarized and based real pieces.
I have that in place.
I buy parts of my my state plan,but those three things.
So your state plan, your will,and then the dual power
(22:59):
attorney's physicians directed,those who come together.
SPEAKER_01 (23:03):
I do want to ask you another question before we get.
Well, actually, two morequestions.
It just came to mind, and that'sbecause so often I hear from
people that do this and saythis.
I don't have a house.
So what are they gonna take?
I I don't have any property, sowhat do I need on this date
(23:25):
planning for?
Can you please insert that?
SPEAKER_00 (23:27):
Yeah, yeah, those things are materialistic, and
and what you want is from ahealth point, we're really
talking about the health of theperson.
We need somebody who will speakin a compassionate and pathetic
manner on your behalf when youbecome incapacitated.
So they will, and thephysician's directive allows for
(23:49):
that, and so even though youdon't have marriage and all
those kind of things, it is yourhealth.
It is how should we care for youso that you either transition
smoothly or that you come out ofthis stressful medical emergency
situation, which happens.
So it's not about it's notalways about that you don't have
(24:09):
property or cars or dominance orstuff.
It's about you personally, andthat's that's important in our
community because we are soplagued with diabetes and
hypertension and high bloodpressure, which takes us out so
early and incapacitates us.
We have to have a will thatsays, here's how once we cared
(24:31):
for, who's the individuals, itwould just protect uh you, the
person, from anybody else havinginformation other than you and
your physician, which is reallyhow it works.
But it just became wrong, youknow, 15, 20, or 15 years ago.
SPEAKER_01 (24:46):
So thank you so much for that.
How can someone that's listeningto this podcast or viewing this
podcast and they say, you knowwhat, Sandra, you're making
perfect sense.
I now see, thanks to thatconversation that you have with
you and ambassador, I now seethat I need help, I need dental,
(25:09):
I need vision, I need to havelife insurance, but I also need
to have legal insurance to kindof round out every plan that I
need.
So if someone should say that,how can they get in touch with
you?
Or how do they get in touch withlegal shields so that they can
speak to someone to see whatthey can purchase?
(25:31):
And is legal shields somethingthat's offered to employees?
SPEAKER_00 (25:34):
Yes, there's two ways to do that.
You can reach out to me as anassociate, I'll be more than
happy to take care of you.
Um, I say the best way to dothat, you can reach out to me on
LinkedIn or I can give my email,which I don't have a problem
doing that, and you can email meand we can discuss it from
there.
Um, another way uh in general,if you if you work for your
(25:59):
company, okay, ask the HR reachHR department and ask them is
there a policy or or is therelegal shield available through
their plan?
Because only we only have a 3%market penetration.
So we only have 4 million, 4 or5 million people that we that
are benefiting out of, as Isaid, more than a million people
(26:19):
and uh 250 million adults.
So we still have much, muchground to cover, and I'll be
more than happy as I said tofacilitate any conversations.
I'm on LinkedIn.
Um I can give my email, angelajamdeealy at gmail.com.
I can give my website and Ithink it's a pretty long
interact address.
(26:40):
But I think emailing me would begreat.
I'll be more than happy uh toaccommodate you.
SPEAKER_01 (26:48):
Thank you so much for that information, and thank
you so much for taking time outof your super busy day.
Every time I ask, you alwayscome through.
You're always like, Yes, Andrew,you know, what when do you need
me?
What do I need to talk about?
You know, and as I thought aboutit, I said, you know, I really
could have her talk aboutsomething dealing with the
(27:09):
environment or somethingtouching one of the five social
determinants of health factors.
But then I thought about it andI was like, you know, I thought
a little harder about it.
I said, you know what?
She does do legal shield, andour community is not getting the
point of the importance ofhaving legal as one of those
(27:30):
benefits that they have everyyear, even going to the employer
and saying to their HR person,especially as open enrollment
time opens up this time of year,and saying, Hey, I see you don't
offer legal shield.
Is there a way that we can getan offer or can I purchase it on
my own and being reimbursed forit?
You know, closed mouths don'tget fed.
(27:52):
But if the idea doesn't evenpopulate in your mind, now is a
better time to actually, youknow, put it out there.
Like, hey, ask and see and takeadvantage of this because you
never know when you'll need it.
Now, it doesn't, Legal Shieldcovers so much more than health,
but because the importance ofour podcast is health and it's
(28:15):
patient education and patientknowledge, that's why we brought
the health into it.
But legal legal shield offers alot of benefits to those who
need those benefits, they areoffered.
So once again, please reach out.
UN Ambassador Neely is onLinkedIn, she's also on
(28:36):
Facebook.
She had, you know, herinformation is out there.
And if you need her informationfor whatever reason, you're like
Sandra.
I I know she said it, but Ididn't get it.
That's fine.
Please reach out to me and say,can you send me the information
for the legal shield seniormanager that was on your show so
that I can talk to them?
Because I would love to be ableto, you know, get a policy so
(29:00):
that I can make sure I have allthe all my legal documents
together as far as health care.
Because once again, it makes nodifference whether you're
married, whether you have kids,whether those kids are adult or
those kids are are children, um,not yet of the adult age.
These documents are needed, theyneeded to be discussed, they
(29:23):
needed to be discussed withtheir family.
So should something happen toyou, you'll know how to actually
get, you know, what to do andhow to get a hold of things and
what the proper order of thingsis.
So I thank you for that.
And I ask everyone to continueto be kind always.
Being kind does not costanything, it's free.
(29:45):
When you're looking forfreebies, being kind is at the
top of the list.
You never know what someone isgoing through where they need
for you to be kind to them, evenif they're being mean to you.
A lot of times it's somethingthat they're dealing with, and
you being Kind to them may causethem.
I'm not gonna say it will causethem, but it might cause them to
think about what the situationis and then to turn around and
(30:09):
be kind and be kind not only tothemselves but to others.
So with that being said, I thankyou so much.
I want you to have the rest of abeautiful day, a beautiful
evening, and I shall talk to yousoon.
SPEAKER_00 (30:21):
Thank you, Mr.
Washington.
Have a good day.
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The Burden
The Burden is a documentary series that takes listeners into the hidden places where justice is done (and undone). It dives deep into the lives of heroes and villains. And it focuses a spotlight on those who triumph even when the odds are against them. Season 5 - The Burden: Death & Deceit in Alliance On April Fools Day 1999, 26-year-old Yvonne Layne was found murdered in her Alliance, Ohio home. David Thorne, her ex-boyfriend and father of one of her children, was instantly a suspect. Another young man admitted to the murder, and David breathed a sigh of relief, until the confessed murderer fingered David; “He paid me to do it.” David was sentenced to life without parole. Two decades later, Pulitzer winner and podcast host, Maggie Freleng (Bone Valley Season 3: Graves County, Wrongful Conviction, Suave) launched a “live” investigation into David's conviction alongside Jason Baldwin (himself wrongfully convicted as a member of the West Memphis Three). Maggie had come to believe that the entire investigation of David was botched by the tiny local police department, or worse, covered up the real killer. Was Maggie correct? Was David’s claim of innocence credible? In Death and Deceit in Alliance, Maggie recounts the case that launched her career, and ultimately, “broke” her.” The results will shock the listener and reduce Maggie to tears and self-doubt. This is not your typical wrongful conviction story. In fact, it turns the genre on its head. It asks the question: What if our champions are foolish? Season 4 - The Burden: Get the Money and Run “Trying to murder my father, this was the thing that put me on the path.” That’s Joe Loya and that path was bank robbery. Bank, bank, bank, bank, bank. In season 4 of The Burden: Get the Money and Run, we hear from Joe who was once the most prolific bank robber in Southern California, and beyond. He used disguises, body doubles, proxies. He leaped over counters, grabbed the money and ran. Even as the FBI was closing in. It was a showdown between a daring bank robber, and a patient FBI agent. Joe was no ordinary bank robber. He was bright, articulate, charismatic, and driven by a dark rage that he summoned up at will. In seven episodes, Joe tells all: the what, the how… and the why. Including why he tried to murder his father. Season 3 - The Burden: Avenger Miriam Lewin is one of Argentina’s leading journalists today. At 19 years old, she was kidnapped off the streets of Buenos Aires for her political activism and thrown into a concentration camp. Thousands of her fellow inmates were executed, tossed alive from a cargo plane into the ocean. Miriam, along with a handful of others, will survive the camp. Then as a journalist, she will wage a decades long campaign to bring her tormentors to justice. Avenger is about one woman’s triumphant battle against unbelievable odds to survive torture, claim justice for the crimes done against her and others like her, and change the future of her country. Season 2 - The Burden: Empire on Blood Empire on Blood is set in the Bronx, NY, in the early 90s, when two young drug dealers ruled an intersection known as “The Corner on Blood.” The boss, Calvin Buari, lived large. He and a protege swore they would build an empire on blood. Then the relationship frayed and the protege accused Calvin of a double homicide which he claimed he didn’t do. But did he? Award-winning journalist Steve Fishman spent seven years to answer that question. This is the story of one man’s last chance to overturn his life sentence. He may prevail, but someone’s gotta pay. The Burden: Empire on Blood is the director’s cut of the true crime classic which reached #1 on the charts when it was first released half a dozen years ago. Season 1 - The Burden In the 1990s, Detective Louis N. Scarcella was legendary. In a city overrun by violent crime, he cracked the toughest cases and put away the worst criminals. “The Hulk” was his nickname. Then the story changed. Scarcella ran into a group of convicted murderers who all say they are innocent. They turned themselves into jailhouse-lawyers and in prison founded a lway firm. When they realized Scarcella helped put many of them away, they set their sights on taking him down. And with the help of a NY Times reporter they have a chance. For years, Scarcella insisted he did nothing wrong. But that’s all he’d say. Until we tracked Scarcella to a sauna in a Russian bathhouse, where he started to talk..and talk and talk. “The guilty have gone free,” he whispered. And then agreed to take us into the belly of the beast. Welcome to The Burden.