Call guides
The calls nobody wants to make, with the words ready. Each guide covers who to call, what to have in front of you, what to say, and the traps to avoid. The word "hospitalized" opens more doors than you'd expect — use it.
Bank: get recognized on the account
Register a power of attorney or ask what the bank needs from you
Call guideCredit card: make a payment by phone
Pay the bill when you can't access their online account
Call guideHardship program: reduce or pause payments
Credit cards, personal loans, and medical bills often have one — but only if you ask
Call guideUtilities: prevent shutoff
Medical and hardship protections for electric, gas, and water
Call guideInsurance: stop a policy from lapsing
Health, homeowners, auto, and especially life and long-term-care policies
Call guideHospital billing: slow down and ask for help
Never pay a big medical bill on the first phone call
Call guideMortgage servicer: hardship options
Forbearance and payment plans for the biggest bill of all
Call guideSocial Security: managing benefits
POA is not enough for Social Security — they have their own system
Call guideCare facility: the first conversation
What to ask a skilled nursing / rehab / assisted-living facility before saying yes
Do this together, with the free app
Afloat turns these guides into a shared family workspace: guided checklists, an AI-drafted bill inventory from photographed statements, call guides filled in with your family's names, and roles so relatives can help without seeing more than they should. Free — no ads, no selling your data.
Start free at afloatfinance.org