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 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 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 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 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 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 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 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 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).

Trigger this skill when the user wants to build an emergency fund — set target (3 / 6 / 12 months expenses), choose savings vehicle (HYSA, MMF, T-bills), and plan the savings rate to hit goal by date. Do NOT trigger for: investment advice (refer to fiduciary) or full budgeting (use personal-budget-tracker).

Trigger this skill when the user wants to improve their LinkedIn profile — headline, about section, experience bullets, keyword density, recommended sections to add, photo/banner advice. Do NOT trigger for: resume tailoring (use resume-tailor-for-job) or LinkedIn ad campaigns.

Trigger this skill when the user is getting married and needs a paperwork checklist — marriage license, name change procedure (Social Security, DMV, passport, banks, employer), beneficiary updates, joint accounts. Do NOT trigger for: wedding planning (use wedding-timeline-builder) or prenup drafting (refer to attorney).

Trigger this skill when the user wants to log daily symptoms (headaches, GI issues, sleep, mood, pain), identify patterns or triggers across foods/weather/stress, or build a clean timeline to show their doctor. The skill takes daily entries and emits a 30/60/90-day pattern report. Do NOT trigger for: full medical history compilation (use medical-history-organizer) or specific Rx tracking (use prescription-refill-tracker).

Trigger this skill when the user is buying a car and weighing finance vs pay cash — total cost of ownership, opportunity cost of capital, low-rate manufacturer financing tradeoffs, lease vs buy. Do NOT trigger for: car shopping itself or trade-in valuation.

Trigger this skill when the user receives an Explanation of Benefits (EOB) from their insurer, asks 'what does this mean,' or wants to understand allowed amounts, patient responsibility, deductible progress, or denial codes. The skill explains each line in plain English, flags amounts the patient may owe vs not owe, and identifies any reason codes worth appealing. Do NOT trigger for: appealing a denial (use healthcare-appeal-drafter) or itemized bill from provider (use medical-bill-itemizer).

Trigger this skill when the user wants to plan a week of school lunches, accommodate dietary needs (nut-free, kosher, vegetarian, picky eater), generate a shopping list, or rotate meals to avoid repetition. The skill outputs a Mon-Fri menu with prep time, shopping list grouped by store section, and weekly cost estimate. Do NOT trigger for: full family meal planning (use family-meal-planner if exists) or restaurant ordering.

Trigger this skill when the user is moving out of a rental and wants to maximize deposit return — repair vs DIY decisions, photo documentation, cleaning standards, key/fob return, final walkthrough requirements per state law. The skill outputs a 30/14/7/move-day timeline with deposit-protection actions. Do NOT trigger for: deposit dispute after move (use landlord-deposit-dispute) or move logistics (use moving-day-checklist).

Trigger this skill when the user wants to find the cheapest price for a prescription, compare GoodRx/Mark Cuban Cost Plus/insurance/manufacturer coupons, or decide whether to pay cash vs. use insurance. The skill takes drug name + dosage + zip code and returns a price comparison with claim/use instructions. Do NOT trigger for: prescription tracking (use prescription-refill-tracker) or insurance EOB (use eob-translator).

Trigger this skill when the user is caring for a family member and wants to assess their own burnout level + identify support gaps (respite care, support groups, professional help). The skill outputs a self-care action list. Do NOT trigger for: clinical mental health treatment (refer to professional).

Trigger this skill when the user wants to track when their prescriptions need refilling, set countdown alerts, find the cheapest pharmacy for a refill, or coordinate multiple medications across one fill date. The skill builds a refill calendar with days-of-supply remaining and flags when to call/auto-refill. Do NOT trigger for: medication interactions (use medication-interaction-checker) or pharmacy switching/coupons (use pharmacy-coupon-finder).

Trigger this skill when the user wants to build a printable wallet card or fridge sheet with critical emergency info — primary doctor, pediatrician, dentist, insurance ID numbers, medications, allergies, neighbor/family emergency contacts, pet info, ICE numbers. The skill outputs both a wallet-size card and a full-page fridge version. Do NOT trigger for: medical history compile (use medical-history-organizer) or babysitter notes (use babysitter-handoff-notes).