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If it turns out that you are among the happy few who never need long-term care, you are probably OK. However, if you don’t want to risk winding up among the 70% of persons over 65 who need home care or nursing home care, you would be best advised to explore your Elder Law options and implement a plan to protect yourself and your family against financial disaster from long-term health care costs.

For effective planning, if you are making any transfers of your assets now, the five-year look back period must be taken into account.
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