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How Heeron decides

The decision tree

Every question, every branch, and the warnings each answer can set off. This page is drawn from the same logic the app runs, so it can’t drift out of date.

Show the path for
The whole flow
1Questions10 topics, asked once for each person
2ResultsScore and the three biggest risks
3AccountEmail and password
4Two-step sign-inRequired for everyone
5InviteSiblings, spouse, attorneys
6ConsentHow they agreed
7Plan$50 a year, with optional help from a person
8Your planRules run, dates set, score computed
Then it keeps running
DocumentsEach upload is redacted, read, and re-runs every rule
Check-insEvery quarter, life events re-run the rules
DatesEvery day, dates entering their window raise reminders
Something happenedHospital, loss of capacity, or a death
1

Who you’re helping

Asked once
Who you’re helpingOne answerRequired
Someone has died, and I’m handling things
A parent
If “A parent”, ask
Which parent?One answerRequired
My mom
My dad
Both of them
If “Both of them”, ask
What’s their relationship today?One answerRequired
Married
Common-law
Separated, still married on paper
Divorced
Do they live together?One answerRequired
Yes
No, they live apart
My spouse or partner
If “My spouse or partner”, ask
What’s your relationship?One answerRequired
Married
Common-law
Separated, still married on paper
Do you live together?One answerRequired
Yes
No, we live apart
My child, of any age
Myself, I’m planning ahead
If “Myself, I’m planning ahead”, ask
Just you, or you and a partner?One answerRequired
Just me
Me and my spouse or partner
If “Me and my spouse or partner”, ask
What’s your relationship?One answerRequired
Married
Common-law
Separated, still married on paper
Do you live together?One answerRequired
Yes
No, we live apart
Someone else, like a relative or friend
2

About each person

Asked for each person
First nameTextRequired
Last nameText
BirthdayDateRequired
CountryFrom a list
Street address (optional)Text
City or townText
Province or territoryFrom a listOnly if they live in Canada
State or regionTextOnly if they live outside Canada
Postal code (optional)Text
Their phone (optional)Text
Who do they live with?One answerOnly if they don’t live with the other parent or with you
No one, they live alone
A spouse or partner
Family
A retirement or care home
Relationship statusOne answerOnly if you’re adding one parent or someone else
Married
Common-law
Separated, still married on paper
Divorced
Widowed
Remarried
If “Remarried”, ask
Year they remarriedYear
Never married
First languageText
3

History with Canada

Asked for each person
History with CanadaOne answerRequired
Born in Canada
Moved here and became a citizen
If “Moved here and became a citizen”, ask
Year they arrivedYear
Country they came fromText
A permanent resident
If “A permanent resident”, ask
Year they arrivedYear
Country they came fromText
PR card expiryDate
Did a family member sponsor them?One answer
Yes
If “Yes”, ask
Year they were sponsoredYear
No
Visiting, or on a super visa
If “Visiting, or on a super visa”, ask
Do they have private medical insurance here?One answer
Yes
No
Not sure
Do they spend long stretches outside Canada?One answer
No
They winter somewhere warm
If “They winter somewhere warm”, ask
Where?One answer
The US
Somewhere else
Do they buy travel medical insurance?One answer
Yes
No
Not sure
Months at a time in another country
4

Health

Asked for each person
Anything going on?Pick anyRequired
Memory is starting to slip
If “Memory is starting to slip”, ask
Has a doctor assessed it?One answer
Yes, there’s a diagnosis
Not yet
Trouble walking, or has fallen
If “Trouble walking, or has fallen”, ask
A fall in the last year?One answer
Yes
No
Ongoing conditions, like diabetes or heart disease
A serious diagnosis, like cancer
If “A serious diagnosis, like cancer”, ask
Have they applied for the Disability Tax Credit?One answer
Yes
No
Not sure
None of these
How many medications do they take regularly?One answer
None
1 or 2
3 to 5
6 or more
Do they still drive?One answer
Yes
If “Yes”, ask
When does their licence expire? (optional)Date
No
5

The will

Asked for each person
The willOne answerRequired
Yes
If “Yes”, ask
Roughly what year was it signed?Year
How does it divide things?One answer
To their spouse, then the children equally
Equally between the children
Some other way
Not sure
Who is the executor?One answer
Me
Their spouse
If “Their spouse”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
My sibling
If “My sibling”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where does the executor live?One answer
In Canada
Outside Canada
Someone else
If “Someone else”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where does the executor live?One answer
In Canada
Outside Canada
Not sure
Do you know where the original is?One answer
Yes
No
No
I’m not sure
6

Powers of attorney

Asked for each person
For money and propertyOne answerRequired
Yes
If “Yes”, ask
Who is it?One answer
Me
Their spouse
If “Their spouse”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
My sibling
If “My sibling”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where do they live?One answer
Nearby
Hours away
Outside Canada
Someone else
If “Someone else”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where do they live?One answer
Nearby
Hours away
Outside Canada
No
Not sure
For health and personal careOne answerRequired
Yes
If “Yes”, ask
Who is it?One answer
Me
Their spouse
If “Their spouse”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
My sibling
If “My sibling”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where do they live?One answer
Nearby
Hours away
Outside Canada
Someone else
If “Someone else”, ask
Their full nameTextRequired
Their phoneTextRequired
Their email (optional)Text
Where do they live?One answer
Nearby
Hours away
Outside Canada
No
Not sure
7

Money

Asked for each person
Do you know which banks they use?One answerRequired
Yes, all of them
Some of them
Not really
Which of these do they have?Pick any
RRSP
RRIF
TFSA
Workplace pension
Pension from another country
None, or not sure
Who is named as beneficiary on those accounts?One answerOnly if they have an RRSP, RRIF or TFSA
Their spouse
Just one of the children
All the children equally
Their estate
Not sure
Are your finances joint or separate?One answerOnly if it’s your spouse or partner
Mostly joint
A mix
Mostly in their name
Are they working right now?One answerOnly if it’s your spouse or partner
Yes
If “Yes”, ask
Does (or did) the job come with life or disability insurance?One answer
Yes
No
Not sure
On leave
If “On leave”, ask
Does (or did) the job come with life or disability insurance?One answer
Yes
No
Not sure
Stopped because of their health
If “Stopped because of their health”, ask
Does (or did) the job come with life or disability insurance?One answer
Yes
No
Not sure
Retired, or not working
Is a child on any of their bank accounts?One answerOnly if it’s not your spouse or partner
Yes
No
Not sure
Who does their taxes?One answer
They do
Someone in the family
An accountant
Not sure
Did they file a tax return this year?One answerOnly if they’re 60 or older
Yes
No
Not sure
Do they get the Guaranteed Income Supplement (GIS)?One answerOnly if they’re 64 or older
Yes
No
Not sure
Not counting OAS, is their yearly income under about $23,000 ($30,000 for a couple)?One answerOnly if they’re 60 or older and don’t get GIS
Yes
No
Not sure
Do they get the Alberta Seniors Benefit?One answerOnly if they’re 65 or older in Alberta
Yes
No
Not sure
How are their prescriptions paid for?One answerOnly if they take regular medications
A work, retiree or private plan
A provincial drug program
They pay themselves
Not sure
8

The home

Once per household
The homeOne answerRequired
They own it
If “They own it”, ask
Whose name is on the title?One answer
Just theirs
Theirs and their spouse’s
A child is on it too
Not sure
Is anything rented, like a water heater or furnace?One answer
Yes
No
Not sure
Any plans to sell or move in the next two years?One answer
Yes
No
They rent
They’ve moved to a residence or care home
If “They’ve moved to a residence or care home”, ask
Do they still own their old home?One answer
Yes
No
Any other property?Pick any
A cottage or second home in Canada
Property in the US
Property in another country
None
9

The rest of the family

Asked once
How many children do your mom have?One answerRequiredOnly if it’s a parent, yourself or someone else
1
2
3
4 or more
Are any of them under 18?One answerOnly if you’re planning for yourself and have children
Yes
If “Yes”, ask
Does your will name a guardian for them?One answer
Yes
No
Not sure
No
Do you have children together?One answerRequiredOnly if it’s your spouse or partner, or the two of you
No
Yes, all adults
Yes, some under 18
If “Yes, some under 18”, ask
Do your wills name a guardian for them?One answer
Yes
No
Not sure
Where do the other helpers live?One answer
It’s just me
Nearby
Far away or abroad
If they went to hospital tonight, could you list their medications and allergies?One answer
Yes, easily
Some of it
Honestly, no
Do they use a password manager?One answer
Yes, with emergency access
Yes, without emergency access
No
Which have they talked about with you?Pick anyOnly if it’s not your child
What they’d want if very sick
Funeral or burial wishes
Neither yet
10

About you

Asked once
Your first nameTextRequired
Your last nameText
You are Mom’s…One answerRequiredOnly if it’s a parent or someone else
Daughter
Son
Daughter-in-law
Son-in-law
Other
Are you working?One answer
Yes
I’ve cut back to help
No
Your own willOne answerOnly if it’s your spouse, partner or child
Updated since their diagnosis
Written before it
I don’t have a will
Not sure
Your phone (optional)Text
Your cityText
Your countryFrom a list
Every warning, and what sets it off

59 rules for a parent, across the federal and Ontario packs. Some only fire later, from documents, check-ins or dates.

Legal authority
Banking
Investments & retirement
Government benefits
Taxes
Home & property
Health
Insurance
Vehicles
Digital life
Identity
End of life
People