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You bring up a good point about the online banking, computer and email. It is really important to have a list of the various passwords available. We discovered that one bank did not allow POA access to online banking, but another did. If Stepdad had had a list of passwords, it would have been easier. Of course now that he has passed, POA is not valid and Will takes over. Executrix was POA, so a bit easier there.
I use one password program to have all log in safe. All documents are in digital and in drop box. Family important folder with all valuable information for kids are shared. Kids have the master password for 1 password. Anything happens to me they can takeover the affairs easily. After 70 parents needs to share their affairs with kids and update them every year.
Another tip -- take pictures of the meds they take & keep on your phone. I did this with my own meds, my husband's, and mom's, which each having its own album.
The "private pay lead time" is called the "elimination period" and it is a feature that is selected when the policy is written. It is the equivalent of a deductible that must be satisfied before the policy will pay. The policy holder must pay for the first X number of days of service and it can be zero.