Guides
The problem you have, worked all the way through.
163 guides on money, legal rights, health and career. Each one written for someone in the middle of the problem - the deadline, the letter, the number - not for someone browsing.
Every guide here is written for a specific moment: the letter that arrived, the deadline you just noticed, the number on the form that does not look right. That is deliberate. General explainers are already everywhere and Google now answers most of them itself.
What is harder to find is the thing that comes next - which statute applies in your state, how many days you actually have, what to put in the letter. So each guide names the rule, links out to the authority that sets it, and says plainly where the line is between information and advice you should get from a licensed professional.
They are free and none of them are gated.
Legal & RightsAn AI Rejected Your Job Application. Here Is What You Can Actually Demand.
Almost everything written about AI hiring laws is aimed at employers trying to comply. Almost nothing is written for the person on the other side of the rejection. Depending on where you applied, you may have a legal right to be told an algorithm was used, to correct the data behind it, and in some cases to have a human look again. Here is what exists today, what arrives in 2027, and the exact language to use.
13 min readRead
Money & FinanceIRS Direct File Is Gone: Every Way to Still File Free in 2026
The IRS retired Direct File before the 2026 filing season, and the free option millions expected to use simply was not there. Free filing did not disappear - it moved. Here is exactly where it went, who qualifies for each replacement, and what to do if you are filing late or on extension with an October deadline bearing down.
11 min readRead
Money & FinanceThe $11,250 Super Catch-Up for Ages 60 to 63: Rules, Roth Mandate, and Stacking Math
SECURE 2.0's super catch-up lets workers aged 60-63 put an extra $11,250 into their 401(k) in 2026, but anyone who earned over $145,000 must take it as Roth. Here is the full stacking math, including HSA catch-ups at 55+ and spouse-doubling strategies.
20 min readRead
AI ToolsBest AI Copilots by Profession (2026): Honest Picks for 8 Fields
We picked the best AI copilot for 8 professions and use cases in 2026: GitHub Copilot for developers, Microsoft 365 Copilot for office workers, and domain-specific copilots for legal, health, tax, finance, career, and small business questions. Every pick includes real alternatives, honest pricing, and the cases where a different tool wins.
19 min readRead
Legal & RightsWorkers Comp Denied? Your First 30 Days: Deadlines, IME Prep, and Settlement Math
Roughly 60% of initial workers comp denials can be reversed on appeal if you move fast. This playbook covers your first 30 days: decoding the denial letter, state deadlines in CA, NY, TX, FL, and OH, surviving the IME and FCE, and choosing between a lump sum and lifetime medical.
20 min readRead
Legal & RightsQuitclaim Deed vs Ladybird Deed: Dodging the Medicaid 5-Year Lookback and Gift Tax Traps
Deeding your house to your kids can disqualify a parent from Medicaid under the 5-year lookback and saddle the kids with a carryover basis tax hit as large as $80,000. Compare quitclaim, living trust, and ladybird deed routes, plus the Form 709 filing the IRS expects.
20 min readRead
Money & FinanceDo Your RMDs Start at 73 or 75? It Depends on Your Birth Year
Born 1951-1959, your RMDs start at 73; born 1960 or later, you wait until 75, and getting the year wrong now triggers a 25% excise tax instead of the old 50%. This guide decodes the SECURE 2.0 birth-year matrix, the April 1 first-year trap that can double one year's taxable income, the new Uniform Lifetime Table divisors, and the QCD and aggregation moves that shrink the bill.
20 min readRead
Money & FinanceDo You Have to Take Annual RMDs Under the Inherited IRA 10-Year Rule?
If the original owner died after their required beginning date, you owe annual RMDs inside the 10-year window, not just a final-year emptying, and starting in 2026 the IRS enforces a 25% penalty on what you miss. This guide sorts beneficiaries into the right rule set, runs the Roth vs traditional payout math, and maps the distribution strategies that minimize the tax hit.
20 min readRead
Money & FinanceHow Teachers and Police Claim Retroactive Social Security After the WEP/GPO Repeal
The Social Security Fairness Act repealed WEP and GPO, releasing $17 billion owed to 3.2 million teachers, police, firefighters, and federal workers, but back pay is not always automatic. This guide walks through checking your SSA recomputation, filing claims you skipped while penalized, the surviving spouse path, and the lump-sum tax election that softens the hit.
20 min readRead
Legal & RightsHurricane Claim Denied by an Algorithm? Florida HB 527 Forces a Human Review
Florida's HB 527 gives policyholders a statutory right to a human review of any AI-denied hurricane claim, with a 60-day window to demand it. This guide walks through reading the denial letter's six required disclosures, drafting the force-a-human-review demand letter, supplemental claims, DFS complaints, and litigation.
20 min readRead
Legal & RightsHow to File an EEOC Charge When Your Remote Work Accommodation Is Denied
Your employer revoked remote work, but the ADA still protects accommodations that let you do your job from home. Learn how the interactive process works, what to put in EEOC Form 5, and why the 180-day filing deadline starts the day your accommodation is denied.
20 min readRead
Health & WellnessWhat to Do When Your Medicare Advantage Plan Is Not Renewed for 2026
About 1.8 million Medicare Advantage members got non-renewal letters for 2026. You have a 63-day Special Enrollment Period and a one-time Guaranteed Issue Right for Medigap. Here is how to read the letter, verify your doctors and drugs, and switch without penalties.
20 min readRead
Showing 12 of 163 guides.
Questions about the guides
Are the Copilotly guides free?
Yes. All 163 guides are free, ungated and need no account. There is no email wall and no "download the PDF" step.
They exist because the questions people bring to a specialist copilot are the same questions they search for first, and answering those well is the honest way to be found.
Who writes these guides and are they reviewed?
They are written and reviewed by the Copilotly editorial desk, and every guide carries a byline with the date it was last checked.
On money, health and legal topics each guide also links out to the authority that actually sets the rule - the IRS, the CDC, the Department of Labor - so you can verify anything consequential at the source rather than taking our word for it.
Is this legal, medical or financial advice?
No. These are informational guides, not advice, and Copilotly is not a law firm, medical provider, financial advisor or therapist.
Every guide on a regulated topic carries an explicit disclaimer and says where the line falls. Rules vary by jurisdiction and change; confirm anything with money, health or a deadline attached with a qualified professional before acting.
How often are the guides updated?
Guides covering rules that change - contribution limits, filing deadlines, statutory thresholds - are reviewed at least annually and after any material change. The updated date on each guide is the real one, not a rebuild timestamp.
How are these different from a general AI answer?
A general assistant has to stay safe across every subject at once, so on professional questions it hedges toward "you may want to consult someone". These guides start from the assumption that you already have the problem, so they name the rule, the deadline and the number.
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Not a law firmThis is legal information, not legal advice. Consult a licensed attorney for your specific situation.