Five things to check first
Record each parent’s actual health-cover status.
Review co-pay, waiting periods, room limits and hospital network.
Do not assume employer cover will continue after a job change.
Separate recurring parent support from emergency savings.
Review life protection when parents rely on your income.
Why the people matter
Three people can mean two working adults and a child, or one working adult and two older parents. Those families do not have the same risks. MoneyMap asks who earns, who needs support and who is covered instead of relying on a headcount.
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