honestly, I hate the concept of creating folder structures on the hard drive. Unless the person is really rigorous in their approach to processing, naming and storing their stuff, that usually breaks down and it’s way more of a hassle than its worth. I used to do it.

your hard drive and general computer reference filing structure is a poor choice, in my opinion, for this kind of material. I’m a BIG fan of using applications specifically designed for doing exactly this task. Since you mentioned “my documents” I'll assume you’re on a PC. I’m not sure what are the best such apps on that platform. Someone mentioned Evernote and it’s a cool app but on the Mac platform I ended up with a solution that seemed a bit more robust for my needs, called DevonThink Pro (the Office version for anyone familiar with it).

Just to give you an idea of how I use such an application, first, understand that is my digital reference management system. If it’s something digital that I want to save for reference, that’s where it goes. I don’t put it into my Documents folder. I keep stuff there that I'll want to work with.

If I go to a website that has a page I want to save for reference, I can click an icon on my bookmark bar and it’s instantly saved as a web archive into DevonThink Pro (I’ll abbreviate with ‘DTP). That way if the site goes away or the link changes, I still have the content permanently. If I have a document I want to save for reference, I can select to have it print to a PDF in DTP and it’s automatically imported. Email I want to save with respect to a specific task or project or subject? I can select a script from the menu bar and it’s instantly imported into DTP. I can stash images, movies, bookmarks, text documents, websites, audio files, whatever.

And I can either create a general filing system within that app or I can use its search functionality. Most of these kinds of apps will have impressive search. So I can search on the content of the document or the website, a phrase, put together a boolean search term, I can search by date, by tag, by name, by file type, whatever. I have a database with probably close to 10,000 items in it and I can type a word into the search field and within 2 seconds see every document in my database that has that word in it. Evernote has a very cool capability where it can actually search on the words in pictures, which is pretty amazing.

So in your example, I would’ve just typed “eligibility” and I'm guessing you would’ve easily found the document within a few seconds, even if it was stashed amongst thousands of other documents.

Were I in your situation I'd add a project to research and select an information management application to download and demo. I think it will make your life a lot easier compared to trying to create, maintain and remember elaborate folder structures on your computer.