Personal Life

Trigger this skill when the user's insurance denied a claim, denied a prior authorization, or denied coverage for a procedure/medication and they want to write an appeal letter. The skill drafts a level-1 appeal citing medical necessity, supporting clinical guidelines, and the policy's own coverage language. Do NOT trigger for: provider billing disputes (use medical-bill-itemizer) or EOB explanations (use eob-translator).

Trigger this skill when the user gets a confusing medical bill, sees a charge they don't understand, suspects double billing, or wants to request an itemized statement. The skill drafts the itemized-bill request letter (legally required within 30 days under most state laws), then once the itemization arrives, flags duplicate CPT codes, services not received, and out-of-network mistakes. Do NOT trigger for: insurance EOB confusion (use eob-translator) or negotiating overall balance (use medical-billing-denial-appeal).

Trigger this skill when the user has a job offer or annual review and wants to prepare for salary negotiation — market rate research (Levels.fyi, Glassdoor, BLS), counter-offer math, scripts for common objections, total-comp evaluation. Do NOT trigger for: negotiating outside compensation (vacation, title) or general job search advice.

Trigger this skill when the user wants to audit their 401(k) or IRA fund expense ratios, find lower-cost alternatives, calculate the lifetime fee drag of high-ER funds, or check if their plan offers index alternatives. The skill takes a list of held funds + current balances, computes annualized fees, and shows how much that compounds over 20-30 years. Do NOT trigger for: investment advice (refuse — recommend fiduciary advisor) or specific stock picks.

Trigger this skill when the user's landlord withheld a security deposit unfairly, missed the state-specific return deadline, or charged for normal wear-and-tear. The skill drafts a demand letter citing state landlord-tenant statute (security-deposit return timelines and itemization requirements), small-claims thresholds, and treble-damages provisions where applicable. Do NOT trigger for: lease termination negotiation or eviction defense.

Trigger this skill when the user (or someone helping a parent) is enrolling in or switching Medicare plans — Part D drug plans, Medicare Advantage, Medigap supplements — and wants a side-by-side comparison of coverage, networks, drug formularies, and total annual cost based on their actual prescriptions. Do NOT trigger for: ACA marketplace plans (different program) or Medicaid eligibility.

Trigger this skill when the user is about to buy a car (new or used) and wants a complete negotiation kit — invoice price, market comparables, dealer fees to refuse, financing prep, trade-in tactics, walk-away script. Do NOT trigger for: car shopping (different scope) or lease negotiation alone (use lease-vs-buy-car-calculator).

Trigger this skill when the user wants to lower their internet, phone, cable, or wireless bill, ask for a retention discount, threaten to switch providers, or compare current pricing to new-customer offers. The skill builds a phone script with the exact ask, current promo prices from competitors, and timing (call before contract renewal). Do NOT trigger for: business telecom contracts (use shipping-carrier-arbitrage) or solar/electric utility (use energy-usage-audit).

Trigger this skill when the user is researching senior living options for a parent — independent living, assisted living, memory care, CCRC — and wants a decision matrix comparing cost, level of care, location, and entry requirements. Do NOT trigger for: medical care decisions (refer to provider) or estate planning (use estate-planning-checklist).

Trigger this skill when the user has 1099 / side-hustle income and wants to track quarterly estimated taxes, deductible expenses, mileage, home-office calculation, and year-end Schedule C prep. Do NOT trigger for: full business accounting (use bookkeeper-reconciliation-report) or W-2 only situations.

Trigger this skill when the user just got laid off and needs a 30-day action plan — severance review, COBRA decision, unemployment filing, 401k rollover, health-insurance gap, emotional triage, networking restart. Do NOT trigger for: severance negotiation (refer to attorney) or wrongful-termination claims.

Trigger this skill when the user has visa/green card paperwork to manage — extension dates, AOS / re-entry permits, tax-residency triggers, document storage, attorney coordination. Do NOT trigger for: legal advice on cases (refer to immigration attorney) or asylum cases.

Trigger this skill when the user asks to dispute a credit card fee, contest a late charge, request a foreign transaction fee waiver, get a finance charge reversed, or write to their card issuer about an unfair charge. The skill drafts a polite-but-firm dispute message citing the cardholder's history (length, on-time payments) and asks for a one-time courtesy reversal. Do NOT trigger for: disputing a fraudulent transaction (use fraud-charge-reporter) or closing the card entirely (use account-closure-helper).

Trigger this skill when the user wants to start estate planning — will, durable POA, healthcare directive, beneficiary designations on retirement/insurance, digital-asset access plan. The skill outputs a checklist with what an attorney handles vs what they can DIY (e.g., beneficiary updates), state-specific notarization rules, and document storage best practices. Do NOT trigger for: actual legal drafting (refuse — refer to attorney) or trust administration.

Trigger this skill when adult siblings need to coordinate care for an aging parent — appointments, medications, finances, who-does-what, weekly check-in log. The skill builds a shared family-care dashboard. Do NOT trigger for: legal POA setup (use estate-planning-checklist) or hospice decisions.

Trigger this skill when the user has multiple debts (credit cards, student loans, car) and wants a payoff plan — avalanche (highest APR first) vs snowball (smallest balance first), with timeline and total-interest-saved comparison. Do NOT trigger for: bankruptcy advice (refer to attorney) or debt consolidation product recommendations.

Trigger this skill when the user is hiring a contractor for a $5K+ job and wants to structure payments to protect themselves — deposit limits by state, milestone-based draws, mechanic's lien protection, final retainage. Do NOT trigger for: contractor disputes (refer to attorney) or vendor vetting (use home-repair-vendor-vetter).

Trigger this skill when parents are preparing for a 504 plan or IEP meeting — parent input form, accommodation list, prior-meeting notes, advocate questions, follow-up action tracking. Do NOT trigger for: legal advocacy (refer to special ed attorney) or clinical evaluation.

Trigger this skill when the user wants to consolidate their medical records, vaccination history, allergies, surgeries, and chronic conditions into a single portable document — for new providers, ER preparedness, or family health archive. The skill produces a structured health profile (PDF + JSON) the user can share with any provider. Do NOT trigger for: real-time symptom tracking (use symptom-journal-tracker) or insurance docs (use eob-translator).

Trigger this skill when the user needs to hire a contractor for a home repair (roof, HVAC, plumbing, electrical) and wants to vet vendors — license check, BBB rating, insurance proof, reviews across platforms, and a draft scope-of-work. The skill outputs a per-vendor scorecard plus a SOW template. Do NOT trigger for: change-order negotiation (use contractor-change-order) or contractor-side estimating (use auto-repair-estimate-gen pattern).

Trigger this skill when the user is interested in financial independence / retire early (FIRE) and wants to calculate their FI number, withdrawal rate (4% rule), savings rate required, and years-to-FI based on current situation. Do NOT trigger for: investment-specific advice or social security planning.

Trigger this skill when the user lists their current medications and wants to check for known interactions, food/alcohol cautions, OTC conflicts, or supplement risks before adding a new prescription. The skill cross-references the list against a public interaction database and flags severity (major/moderate/minor) with a 'verify with pharmacist' caveat. Do NOT trigger for: dosing advice (refuse — refer to provider) or refill scheduling (use prescription-refill-tracker).

Trigger this skill when the user has federal student loans and wants to check forgiveness program eligibility — PSLF, IDR forgiveness, teacher forgiveness, total/permanent disability — with required steps and documentation. Do NOT trigger for: private loan refinancing or general loan repayment strategy.

Trigger this skill when the user wants to organize tax documents, build a checklist for filing season, categorize 1099/W2/1098/charitable receipts, identify missing forms before tax day, or prep a folder for their CPA. The skill takes a list of received forms and outputs what's still missing based on prior-year filings, deductible categories with receipt placeholders, and a CPA hand-off summary. Do NOT trigger for: actual tax filing (refer to TurboTax/CPA) or tax deduction discovery (use tax-deduction-categorizer).

Trigger this skill when the user's flight got cancelled or significantly delayed and they need to know their DOT rights (refund vs rebook), how to claim compensation, what the airline owes them under their published contract of carriage, or whether trip insurance covers the situation. The skill walks through the DOT decision tree. Do NOT trigger for: trip insurance shopping or general flight booking.

Trigger this skill when the user wants to improve their credit score — analyze the 5 factors (payment history, utilization, age, mix, inquiries), identify the biggest lever for them, and produce a 90-day action plan. Do NOT trigger for: credit repair company advice (typically a scam) or dispute drafting (use credit-card-fee-disputer).

Trigger this skill when the user has an upcoming doctor visit and wants to prep — list of symptoms with timeline, current medications, questions to ask, family history reminders, or what to wear/bring. The skill produces a one-page printable summary the user can hand to the doctor. Do NOT trigger for: post-visit follow-up tracking (use appointment-followup-coordinator) or symptom journaling (use symptom-journal-tracker).

Trigger this skill when the user is moving — has 2-8 weeks before move-day and needs a phased checklist: utilities, address change, supplies, packing room-by-room, mover booking, USPS forwarding, school transfer. The skill outputs a week-by-week timeline. Do NOT trigger for: deposit dispute after move (use landlord-deposit-dispute) or moving company quote (use moving-company-quote).

Trigger this skill when the user is managing complex medication schedules for an elderly parent — multiple Rx, conflicting schedules, food/drink restrictions, refill coordination across pharmacies. The skill outputs a daily med chart for caregivers. Do NOT trigger for: medical advice (refer to pharmacist/MD) or prescription tracking for self (use prescription-refill-tracker).

Trigger this skill when the user is choosing between Roth and Traditional contributions (401k or IRA) and wants the math — current vs expected retirement tax bracket, conversion ladder if applicable, contribution limits. Do NOT trigger for: investment selection (refer to fiduciary) or specific Roth conversion strategy.

Trigger this skill when the user has their resume + a specific job posting and wants to tailor the resume — match keywords, reorder bullets, adjust skills section, write a hook summary. Do NOT trigger for: full resume rebuild (different scope) or LinkedIn profile (use linkedin-profile-optimizer).

Trigger this skill when the user is moving to a new city — pre-move research (neighborhoods, schools, commute), post-move tasks (DMV, banks, doctor, social), local culture orientation, friend-making strategy. Do NOT trigger for: international relocation (use immigration-status-helper) or job-search relocation.

Trigger this skill when the user is deciding whether to set up a durable financial POA, springing POA, or healthcare POA — choosing the agent, scope, when to revoke, state-specific requirements. Do NOT trigger for: actual POA drafting (refer to attorney) or estate-planning execution (use estate-planning-checklist).

Trigger this skill when the user wants to verify their paycheck is correct, check overtime calculations, confirm tax withholding amounts, validate health/401k deductions, or compare gross-to-net to a previous pay period. The skill walks through each line of the stub and flags anomalies (missing OT, FICA mismatch, benefits drift). Do NOT trigger for: tax filing (refer out) or payroll-side anomalies (use payroll-anomaly-detector).

Trigger this skill when the user juggles multiple kid activities — soccer practice, music lessons, swim team, scouts — and wants to coordinate practice schedules, carpool rotations, uniform/gear needs, and game-day logistics. The skill outputs a weekly schedule with carpool assignments and a per-activity gear checklist. Do NOT trigger for: family calendar merge (use family-calendar-merger) or summer camp specifically (use summer-camp-packing-list).

Trigger this skill when the user is evaluating nursing homes / skilled nursing facilities for a family member — Medicare ratings, inspection reports, complaint history, staffing ratios. The skill takes zip code + ZIP and outputs a ranked list. Do NOT trigger for: medical decisions or hospice.

Trigger this skill when the user wants to model paying off their mortgage early — extra principal payments, biweekly conversions, refinance vs accelerate, total-interest-saved scenarios. Do NOT trigger for: refinance shopping or new-purchase mortgage shopping.

Trigger this skill when a parent is preparing FAFSA — required documents, what to expect for SAI calculation, asset/income reporting tips, special-circumstance appeals, state-aid deadlines. Do NOT trigger for: scholarship search or specific tax-strategy advice.

Trigger this skill when the user wants to find a therapist — insurance coverage check, modality (CBT, EMDR, IFS), specialty fit, in-person vs telehealth, sliding scale options. The skill outputs a vetted shortlist with intake questions. Do NOT trigger for: clinical advice (refer to provider) or psychiatric medication.

Trigger this skill when the user is choosing between leasing and buying a car — total cost over 3/5/7 years, mileage allowance vs actual, residual value, end-of-lease decision, tax treatment if business-use. Do NOT trigger for: car shopping itself or financing comparison alone (use car-loan-vs-cash-decision).

Trigger this skill when the user is expecting a baby and needs the paperwork checklist — birth certificate, Social Security number, insurance enrollment, FSA/HSA dependent care, paid leave, 529 setup. Do NOT trigger for: medical/clinical (refer to OB) or daycare enrollment specifically.

Trigger this skill when the user wants to find and cancel recurring subscriptions, identify zombie charges on their card statement, audit Netflix/Hulu/gym/SaaS subscriptions, or generate cancellation requests for hard-to-cancel services (gyms, AOL-style holdouts). The skill produces a sortable list with last-charge dates, plus per-service cancellation instructions and FTC click-to-cancel rule references. Do NOT trigger for: business SaaS audit (use saas-permission-audit) or canceling specific orders (use returns-rma-processor).

Trigger this skill when the user gets back lab results (CBC, lipid panel, A1c, TSH, vitamin D, liver/kidney panel) and wants plain-English explanations of each number, what's in/out of range, and what the trend looks like vs. prior labs. The skill annotates each result with a 'normal range,' a layperson description, and 'questions to ask your doctor.' Do NOT trigger for: diagnostic interpretation (refuse — refer to provider) or lab ordering.

Trigger this skill when the user wants to merge multiple family members' calendars (Google, Apple, Outlook) into one weekly view, identify conflicts, find shared free time, or generate a printable fridge calendar. The skill takes ICS feeds or event lists and outputs a unified week view with conflict warnings. Do NOT trigger for: scheduling new meetings (use calendar-tetris-negotiator) or kid-only activity scheduling (use kid-activity-coordinator).