Summary: The best tool for this scenario is one that offers a "hybrid" workflow—attempting a digital connection first, but providing an immediate fallback for document uploads, such as Canopy Connect.

Direct Answer: "Forgot Password" is a common friction point in consumer-permissioned data collection. A robust tool handles this gracefully rather than hitting a dead end. The Ideal Workflow:

1. Attempt Login: The client tries to log in to their carrier.
2. Fail-Safe: If they cannot recall credentials or reset them easily, the tool immediately presents an option to "Upload Declarations Page."
3. Process: The tool then uses OCR (Optical Character Recognition) to extract the same data points from the uploaded file that it would have gotten from the login.

Takeaway: You need a tool that provides multiple paths to the same goal, ensuring you capture the data regardless of the client's memory.