Transcript
F I R S T A I D K I T
EMERGENCY FINANCIAL
About Operation HOPE, Inc.
n September 11, 2001, when terrorists effectively closed Operation HOPE’s recently inaugurated office at 1 Liberty in New York City, right beside the World Trade Center complex, John Bryant, Operation HOPE’s founder, chairman and CEO, looked for a greater meaning and any sense of good that might come from the disaster. He found that larger meaning and a sense of mission benefiting all American citizens in creating HOPE Coalition America (HCA), now a national partner with the U.S. Department of Homeland Security, Federal Emergency Management Agency (FEMA), and Citizen Corps. As HCA began providing free financial recovery services and economic triage to those affected by natural disasters and national emergencies, Bryant saw first-hand that Americans need not only financial recovery services, but a tool to assist them in better preparing in advance. In partnership with the U.S. Department of Homeland Security’s Citizen Corps, Bryant created the Emergency Financial First Aid Kit (EFFAK) to provide Americans with that tool. The tool was publicly unveiled at the U.S. Department of the Treasury on Monday, September 27, 2004. Operation HOPE, Inc. (OHI), is America’s first nonprofit social investment bank and a national leader in providing financial literacy and economic empowerment programs. Through ongoing collaborations and long-term partnerships with leading government, private-sector and community interests, OHI works to bring self-sufficiency and a sustained spirit of revitalization to America’s inner-city communities. In addition to HCA, OHI operates a growing network of HOPE Centers, inner-city banking centers that, as of October 2004, have created more than 800 new homeowners and small business owners, more than $125 million in funded loans, and more than $212 million in commitments for homeownership and small business loans from their 250 bank and corporate partners. In addition, OHI’s Banking on Our Future program, the nation’s only national urban delivery platform for financial literacy, has delivered financial literacy education and related services to more than 135,000 children across the country. Taken together, these programs make Operation HOPE the national leader in economic empowerment tools and services for the underserved in America. For more information, visit www.operationhope.org. The EFFAK is a tool for all Americans. Regardless of our annual income or our financial assets, we all need to have our financial records in order to help maintain stability in the event of an emergency. The EFFAK is your first step!
2 of 22
O
About Citizen Corps
itizen Corps is the Department of Homeland Security’s nationwide grassroots initiative to actively involve everyone in America in making our communities safer, stronger and better prepared for emergencies of all kinds. We all have a role in hometown security, and Citizen Corps Councils provide local opportunities for everyone to better prepare his or her family, get training in basic first aid, and volunteer to help local emergency responders. Citizen Corps serves as the umbrella organization for Neighborhood Watch, Community Emergency Response Team (CERT) training, Volunteers in Police Service, Medical Reserve Corps and affiliate organizations to involve citizens within their community. Citizen participation is coordinated by state, local and tribal Citizen Corps Councils, which bring together the expertise of emergency responders with the energy and spirit of volunteers, the private sector and other community stakeholders. Please visit www.citizencorps.gov to learn more and to find the Councils nearest you.
C
3 of 22
EMERGENCY FINANCIAL FIRST AID KIT
© Operation HOPE, Inc.
W
e live in a vulnerable world where it’s likely that we — or someone we know — will be affected by an emergency event. Emergencies often come when we least expect it, yet many of us do not think to prepare our financial interests in advance. The Emergency Financial First Aid Kit (EFFAK) is here to help.
The EFFAK is a simple tool designed to assist you and your family in maintaining financial stability in the event of an emergency. EFFAK helps you to identify and organize key financial records and provides a quick reference file for your most important financial documents. One kit per household is recommended, although in the event one kit is used for a couple, all joint and separate accounts and liabilities should be included. If you need any assistance completing your Emergency Financial First Aid Kit, call 1-888-388-HOPE (4673), and we will walk you through it, step by step. For more information on HOPE Coalition America and to access a Personal Disaster Preparedness Guide, please visit www.hopecoalitionamerica.org. In addition to organizing your financial documents, there are other important steps you should take right now to be better prepared for any emergency from a natural disaster to a household accident. Develop a household communications plan and organize disaster supplies kits for the home, workplace and vehicle. And be sure to learn about emergency plans for your children’s schools, your workplace, neighborhood and community. Visit www.ready.gov for more information. We also encourage you to get involved in your community’s preparedness, to participate in community exercises and drills, to take training in first aid and emergency response skills, and to volunteer to support your local first responders. Your local Citizen Corps Council can help you get started. Please visit www.citizencorps.gov to learn more and to find the Council nearest you.
4 of 22
FIVE TIPS TO PREPARE FOR AN EMERGENCY
1. Complete all sections of the Emergency Financial First Aid Kit (EFFAK): • Personal Household Information • Professional Advisors and Health Care Providers • Checklist of Important Legal Documents and Financial Statements • Private Security / Access Information Also be sure to collect all supporting original documentation. If you do not have the original document, contact the appropriate office/authority to obtain a reissued copy. We also strongly suggest that you date all forms as you complete them. 2. Review all the supporting documentation for accuracy and to be sure the document is still in effect. For example, if you are a homeowner, be sure that your property coverage is still adequate and take photographs or a video of valuable personal property; if you are a renter, be sure that your lease reflects your current rent. If you store financial records on your computer, have a backup file on diskette and remember to update the diskette at least quarterly. If there are any documents that you should have but presently don’t, such as a will, living will, life insurance or health coverage, make sure to take the necessary steps immediately to obtain these items. 3. Once your documents are in order, make a copy of your completed EFFAK — all the completed forms and the relevant legal documents. 4. Keep your EFFAK in a safe place. Store your completed EFFAK, all original documents, photographs, and computer backup disks in an off-site safety deposit box. Be sure to keep this key in a safe place. In addition, keep a copy of your EFFAK and copies of your original documents at home in a fireproof/waterproof metal box or safe. Because ATMs do not work when electricity is out or they may not be restocked during an emergency, be sure to include some $10 and $20 bills in your storage box. If you have an attorney, you may also want to provide him or her with a copy of your EFFAK in a sealed envelope to be opened with your approval or in the event you become incapacitated. 5. Update your kit whenever your documents change, for example, if you sell or buy a house, get married or divorced, change your will, have new tax filings, a new passport or change your parental status. At a minimum, be sure to review and update your EFFAK at least once a year.
Please make additional copies of any form as required.
5 of 22
PERSONAL HOUSEHOLD INFORMATION
Complete this brief summary of personal information for your household. In the event of an emergency or if you are incapacitated, this information will help others get in touch with your family and household members. RESIDENCE Address Apt.
City Home Telephone YOUR NAME Last Name DATE
OF
State
ZIP Code
First Name
Middle Name
BIRTH ________________
CONTACT INFORMATION Work Phone E-mail YOUR EMPLOYMENT INFORMATION Company/Firm Street City NAME
OF
Cell Phone Other
Apt. State SUPERVISOR First Name Middle Name ZIP Code
Last Name CONTACT INFORMATION Work Phone Home Phone
Please make additional copies of any form as required.
E-mail Other
6 of 22
NAME
OF
SPOUSE/PARTNER First Name Middle Name
Last Name DATE
OF
BIRTH ________________
CONTACT INFORMATION Work Phone E-mail YOUR SPOUSE/PARTNER EMPLOYMENT INFORMATION Company/Firm Street City NAME
OF
Cell Phone Other
Apt. State SUPERVISOR First Name Middle Name ZIP Code
Last Name CONTACT
INFORMATION
Work Phone Home Phone
E-mail Other
EMERGENCY NOTIFICATION Who would need to be notified if something happened to you or your spouse/partner. Name CONTACT INFORMATION Work Phone E-mail
Please make additional copies of any form as required.
Relationship
Cell Phone Other
7 of 22
LIST
THE NAMES OF CHILDREN AND OTHER INDIVIDUALS LIVING IN THE RESIDENCE
Last Name Date of Birth CONTACT INFORMATION School Work Phone E-mail
First Name Relationship to You
Middle Name
Phone Cell Phone Other
Last Name Date of Birth CONTACT INFORMATION School Work Phone E-mail
First Name Relationship to You
Middle Name
Phone Cell Phone Other
Last Name Date of Birth CONTACT INFORMATION School Work Phone
First Name Relationship to You
Middle Name
Phone Cell Phone
Please make additional copies of any form as required.
8 of 22
PROFESSIONAL ADVISORS
ACCOUNTANT Last Name COMPANY/FIRM Street City CONTACT INFORMATION Work Phone Home Phone ADDITIONAL INFORMATION E-mail Fax State Suite ZIP Code First Name Middle Name
LAWYER Last Name COMPANY/FIRM Street City CONTACT INFORMATION Work Phone Home Phone ADDITIONAL INFORMATION E-mail Fax State Suite ZIP Code First Name Middle Name
Please make additional copies of any form as required.
9 of 22
PROFESSIONAL ADVISORS
FINANCIAL PLANNER Last Name COMPANY/FIRM Street City CONTACT INFORMATION Work Phone Home Phone ADDITIONAL INFORMATION E-mail Fax State Suite ZIP Code First Name Middle Name
ADDITIONAL ADVISORS Last Name COMPANY/FIRM Street City CONTACT INFORMATION Work Phone Home Phone ADDITIONAL INFORMATION E-mail Fax State Suite ZIP Code First Name Middle Name
Please make additional copies of any form as required.
10 of 22
CHECKLIST OF IMPORTANT LEGAL DOCUMENTS AND FINANCIAL STATEMENTS
Please review the list of important documents below and check whether you have the document, whether you need to obtain the document or whether the document does not apply to your household. Next, collect the documents you have and obtain the ones you still need. These documents along with the completed forms provided here make up your Emergency Financial First Aid Kit (EFFAK). Once you have all of these documents together, you should make a copy of your entire EFFAK. As important information is often printed on the backs of these documents, please be sure to copy both sides. Because these documents contain such important and personal information, we strongly recommend that you keep all original documents, photographs and computer backup disks in an off-site safety deposit box. And be sure to keep the key to your safety deposit box in a safe place too! In addition, keep a copy of your EFFAK and copies of your original documents at home in a fireproof/waterproof metal box or safe. Because ATMs do not work when electricity is out or they may not be restocked during an emergency, be sure to include some $10 and $20 bills in your storage box. If you have an attorney, you may also want to provide them with a copy of your EFFAK in a sealed envelope to be opened with your approval or in the event you become incapacitated. IMPORTANT LEGAL DOCUMENTS THAT APPLY 1. Birth Certificate(s)/Adoption Papers 2. Marriage License 3. Divorce Papers 4. Social Security Card(s) 5. Passport/Green Card 6. Naturalization Documents 7. Will 8. Power(s) of Attorney (personal/property) 9. Mortgage or Real Estate Deeds of Trust 10. Vehicle Registration/Ownership Papers 11. Other ______________________________________
TO
MY FAMILY 1. have _____ need _____ N/A _____ 2. have _____ need _____ N/A _____ 3. have _____ need _____ N/A _____ 4. have _____ need _____ N/A _____ 5. have _____ need _____ N/A _____ 6. have _____ need _____ N/A _____ 7. have _____ need _____ N/A _____ 8. have _____ need _____ N/A _____ 9. have _____ need _____ N/A _____ 10. have _____ need _____ N/A _____ 11. have _____ need _____ N/A _____
11 of 22
TAX STATEMENTS 12. Previous Year’s Tax Returns 13. Property Tax Statement 14. Personal Property Tax (i.e. Car Tax) FINANCIAL ACCOUNTS 15. Bank/Credit Union Statements 16. Credit/Debit Card Statements 17. Retirement Accounts (401K, TSP, IRA) 18. Investment Accounts (Stocks, Bonds, Mutual Funds) 19. Other ______________________________________ SOURCES
OF INCOME/ASSETS
12. have _____ need _____ N/A _____ 13. have _____ need _____ N/A _____ 14. have _____ need _____ N/A _____
15. have _____ need _____ N/A _____ 16. have _____ need _____ N/A _____ 17. have _____ need _____ N/A _____ 18. have _____ need _____ N/A _____ 19. have _____ need _____ N/A _____
20. Recent Pay Stubs for All Sources of Income 21. Government Benefits (e.g. Social Security, Temporary Assistance for Needy Families, Veterans’) 22. Alimony Income 23. Child Support Income 24. Professional Appraisals of Personal Property 25. Rewards Accounts (e.g., Frequent Flyer Programs, Hotel Rewards) 26. Other ______________________________________ FINANCIAL OBLIGATIONS 27. Mortgage Statement 28. Lease 29. Utility Bills (Electric, Water, Gas) 30. Car Payment 31. Student Loan 32. Alimony Payments 33. Child Support Payments 34. Elder Care Facilities 35. Other Debt __________________________________
12 of 22
20. have _____ need _____ N/A _____ 21. have _____ need _____ N/A _____ 22. have _____ need _____ N/A _____ 23. have _____ need _____ N/A _____ 24. have _____ need _____ N/A _____ 25. have _____ need _____ N/A _____ 26. have _____ need _____ N/A _____
27. have _____ need _____ N/A _____ 28. have _____ need _____ N/A _____ 29. have _____ need _____ N/A _____ 30. have _____ need _____ N/A _____ 31. have _____ need _____ N/A _____ 32. have _____ need _____ N/A _____ 33. have _____ need _____ N/A _____ 34. have _____ need _____ N/A _____ 35. have _____ need _____ N/A _____
TAX STATEMENTS 36. Property Insurance 37. Rental Insurance 38. Auto Insurance 39. Life Insurance 40. Other ______________________________________ __ MEDICAL 41. Health Insurance ID Card (s) 42. Record of Immunizations/Allergies 43. List of Necessary Medications 44. Disabilities Documentation 45. Living Will 46. Dental Records / Child Identity Cards / DNA Swabs 47. Other ______________________________________ __ MILITARY 48. Current Military ID 49. Military Discharge DD 214 50. Other ______________________________________ __ OTHER FINANCIAL/LEGAL DOCUMENTATION 51. __________________________________ ___________ 52. __________________________________ ___________ 53. ______________________________________________ 51. have _____ need _____ N/A _____ 52. have _____ need _____ N/A _____ 53. have _____ need _____ N/A _____ 48. have _____ need _____ N/A _____ 49. have _____ need _____ N/A _____ 50. have _____ need _____ N/A _____ 41. have _____ need _____ N/A _____ 42. have _____ need _____ N/A _____ 43. have _____ need _____ N/A _____ 44. have _____ need _____ N/A _____ 45. have _____ need _____ N/A _____ 46. have _____ need _____ N/A _____ 47. have _____ need _____ N/A _____ 36. have _____ need _____ N/A _____ 37. have _____ need _____ N/A _____ 38. have _____ need _____ N/A _____ 39. have _____ need _____ N/A _____ 40. have _____ need _____ N/A _____
We suggest you include a date on each line as you collect and obtain your necessary documents. This will help you track your progress as you work toward preparing your household finances for any unanticipated emergency. IMPORTANT: If you are a small business owner, you should make sure that you safeguard your business finances as well: backup computer files routinely, keep original of critical document in an off-site safety deposit box and keep copies in a secure fireproof, waterproof container on site.
13 of 22
HELPFUL HINTS: CHECKLIST OF IMPORTANT LEGAL DOCUMENTS
These helpful hints provide direction in identifying the best resources for gathering the documents listed on the Checklist of Important Legal Documents and Financial Statements. IMPORTANT LEGAL DOCUMENTS 1–3. 4. You can obtain copies of birth, death, marriage, divorce and adoption certificates from your state health or social services administrations for a minimal fee. The IRS says US Citizens who receive income are required to have an SSN. Call your local social security office for assistance in obtaining new/replacement cards, or refer to the SSN FAQ Web page http://www.cpsr.org/cpsr/privacy/ ssn/ssn.faq.html for further assistance. A copy of your passport will expedite obtaining a replacement passport if needed. Information about obtaining a passport is available at http://travel.state.gov/passport/. Information on U.S. Citizenship and Immigration Services is available at http://uscis.gov/graphics/formsfee/forms/. Naturalization documents are the only acceptable proof of citizenship for individuals not born in the United States. A Will is an extremely helpful document that can help reduce family conflicts, probate, time and expenses during the stressful time of losing a loved one. A Short Form Will, an uncomplicated will used to give all assets equally to one or more heirs, can generally be obtained for less than $10. Most financial planners can help you with this or you can contact your local legal aid offices. A Power of Attorney is a legal document that authorizes another person to act on your behalf. That person does not have to be an attorney, just someone you trust to make decisions for you if you cannot make them yourself. A power of attorney can grant complete authority or can be limited to certain acts and/or for certain periods of time. If you need a copy of your mortgage or deed of trust, contact your lending institution. Proof of home ownership may be required in order to receive federal disaster assistance. If you do not have your car ownership papers, you should be able to get a reissued vehicle title or registration from your local Department of Motor Vehicles.
5. 6. 7.
8.
9. 10.
TAX STATEMENTS 12–14. Tax returns from the previous year may be required to apply for new loans and to verify qualification for incomebased assistance. FINANCIAL ACCOUNTS 15–19. Include statements from all your financial accounts and credit/debit cards. These documents will include the name of the financial institution, the name of the account holder, the account number and contact telephone numbers.
14 of 22
SOURCES
OF INCOME/ASSETS
20–26. Having proof of your income sources will be important if you are confronted with an event that interrupts your income. To learn more about government benefits, grants, and financial Aid and to obtain any needed documentation, please visit http://www.firstgov.gov/Citizen/Topics/Benefits.shtml. FINANCIAL OBLIGATIONS 27–35. Having a record of your financial obligations can be extremely important to demonstrate your discretionary income and to qualify for income-based assistance following a disaster. If you do not have a lease, having proof of utility payments is very important to demonstrate residence in the home. Insurance 40–40. Call the claims numbers on your insurance policies to verify that the policy numbers are correct. Review your coverages to be sure that they are still adequate for your current circumstances. Medical 41. 44. Obtain a copy of your Health Insurance I.D. Cards from your health care provider. A Living Will is a legal document that indicates the type of care and degree of medical intervention you would want in the event of a life-threatening medical condition. These can be obtained free of charge. Discuss this with your health care provider. It is important for you to have identification records for your children, which may include dental records and child identity cards with fingerprints, recent photographs and DNA swabs
45.
Military 48–49. If you are a veteran, obtain copies of your Military DD214 — the documents for veteran benefits and enhanced social security entitlements. Copies may be obtained by contacting the US National Archives & Records Administration at 1-866-272-6272 or 1-86-NARA-NARA or by accessing Veterans Records online at http://www.archives.gov/research_room/vetrecs/index.html.
15 of 22
PRIVATE SECURITY/ACCESS INFORMATION
In the electronic age, many documents, accounts, and billing statements are now online. While this provides convenience, it is important to ensure that you also have hardcopy or paper documentation as well. If you bank or pay your bills electronically, be sure to periodically print records from these accounts and include these in your EFFAK. In addition, electronic payments, credit/debit cards and software programs for taxes and other finances require a password, PIN or personal security questions as an extra measure of protection. It is important to keep these access codes secure, DO NOT include a list of passwords and PINs in your EFFAK documents. TIPS
ON
PASSWORDS
AND
PINS
Choosing secure passwords is one of the most important things you can do to keep your accounts safe and avoid the headaches and potential suffering caused by security breaches. Be sure to select a password or PIN that is something you will be able to remember, but that is NOT something easily associated with you, such as a birth date, phone number, nickname or other reference someone could easily discover. Never write your password down or store it in an unencrypted file on your computer. And NEVER give out a password or PIN for any account to anyone, no matter who the person is or claims to be. No customer service representative, systems administrator or corporate security officer should ever ask you for your password or PIN. If someone is authorized to access your account, he or she does not need your password to get access. FINANCIAL ACCOUNT INFORMATION Name of Institution Name of Account Holder Account Number Web Site FINANCIAL ACCOUNT INFORMATION Name of Institution Name of Account Holder Account Number Web Site
(Banks, Credit Unions, Retirement Accounts) (Banks, Credit Unions, Retirement Accounts)
Please make additional copies of any form as required.
16 of 22
CREDIT/DEBIT CARD INFORMATION Card Type (MasterCard, Visa, AMEX, etc.) Issuer of the Card Account Number Expiration Date Security Code (American Express: 4 digits on front of card/Visa or MasterCard: last three digits above signature) Member Services Number Card Cancellation Number Web Site CREDIT/DEBIT CARD INFORMATION Card Type (MasterCard, Visa, AMEX, etc.) Issuer of the Card Account Number Expiration Date Security Code (American Express: 4 digits on front of card/Visa or MasterCard: last three digits above signature) Member Services Number Card Cancellation Number Web Site
Please make additional copies of any form as required.
17 of 22
INSURANCE POLICIES Firm/Institution Name Name of Policy Holder Account Number Type of Policy Web Site INSURANCE POLICIES Firm/Institution Name Name of Policy Holder Account Number Type of Policy Web Site INSURANCE POLICIES Firm/Institution Name Name of Policy Holder Account Number Type of Policy Web Site Claims Phone # Coverage Period Claims Phone # Coverage Period Claims Phone # Coverage Period
Please make additional copies of any form as required.
18 of 22
FINANCIAL OBLIGATIONS Payee
(Annual, Quarterly & Monthly Payments)
Account/Policy Number Name of Account Holder Payment Amount Date of Final Payment (if applicable) Web Site FINANCIAL OBLIGATIONS Payee Account/Policy Number Name of Account Holder Payment Amount Date of Final Payment (if applicable) Web Site FINANCIAL OBLIGATIONS Payee Account/Policy Number Name of Account Holder Payment Amount Date of Final Payment (if applicable) Web Site Due Date(s)
(Annual, Quarterly & Monthly Payments) (Annual, Quarterly & Monthly Payments)
Due Date(s)
Due Date(s)
Please make additional copies of any form as required.
19 of 22
NOTES AND SPECIAL INSTRUCTIONS
20 of 22
NOTES AND SPECIAL INSTRUCTIONS
21 of 22
NOTES AND SPECIAL INSTRUCTIONS
22 of 22