, and other service providers to request deferments on payments and/or waivers of late payment fees/penalties in the wake of COVID-19.
Lastly, and slightly more controversially, I told my clients on the lower-income spectrum to utilize liquidity on credit lines to stock up on cash. We made sure that clients clearly understood what was covered and what wasn't . We also identified the applicable deductibles, co-pay percentage amounts, and max out-of-pocket amounts required in the event the client or loved one were hospitalized due to COVID-19.
Namely, were the applicable advanced directives, durable power of attorney forms, living wills, and medical proxies identified via documentation? Is there a will? Are there "Payable Upon Death" or "Transfer Upon Death" instructions in place for the bank and brokerage accounts, respectively? Do all life, disability, and retirement accounts have theHaving the proper plans in place will not only help the families deal with affairs while one is incapacitated, but also ensure...
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