Something arrived and it's worrying. Almost all of these have a name, a process, and a deadline — once you know which one you're holding, the next move is usually simple.
First, breathe
A lot of what arrives looks like a demand for money or a door slammed shut. Usually it's neither — it's a summary, a notice, or the opening of a process you're allowed to push back on. The worst move is to ignore it; the second worst is to panic and pay. Let's name what you're holding first.
Decode your mail
Type a word or code from the page in front of you — or tap one of the common ones. We'll translate it into clear language and tell you whether a clock is ticking.
Plan-neutral. Nothing you type is saved or sent anywhere.
Or tap a common one
In clear language
⏱ The clock
→ Your move
What it's not
No matter which one it is
Look for a deadline or "respond by" date. Most appeals and reconsiderations run on a 60-day clock from the date on the letter. Circle it.
If it looks like a bill, check whether it's actually a summary (an MSN or EOB). Those are not bills. Never send money to settle a notice you don't understand.
Save the letter, the envelope, and any reference numbers in one place. You'll want them if you appeal — and they make any call far shorter.
Describe it in your own words — or read Fern the first line. Fern sorts what matters, tells you what to verify, and points to the right process. Not a sales tool. Not a plan picker.
Talk it through with Fern →Just turning 65 with no mail yet? You don't need this page — start with the basics instead.
Go to "I'm turning 65" →You can ask Fern a question in plain language, find the path that fits your situation, or get the Sunday Letter — one note a week, no pressure.
Not ready to dive in? Get the Sunday Letter · Read the first chapter free