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The Planning Approach
Life Insurance In the Elder Care Plan
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Alzheimer's Disease amount assets attorney beneficiary bonds cash value coinsurance contract cost coverage death benefit deductible elderly employer estate planning estate tax expenses federal FINANCIAL PLANNING Furthermore gift tax grantor Health Insurance Portability HMOs home health hospital income tax inflation insured person interest rate investment investors lifetime limited living long-term care insurance LTC insurance LTC policies lump sum Medicaid application Medicaid benefits Medicaid eligibility Medicaid planning Medicare Medigap policies ment Model Regulation mortgage municipal bonds mutual funds NAIC nursing home OBRA 93 older clients option paid Parkins patients payments penalty period pension planner planning team PLANNING TIP portfolio premium purchase qualified receive remainderman retiree health benefits retirement riders risk rules senior citizens Social Security Social Security benefits spouse's surviving spouse taxable term tion transfer Underwriter viatical settlement Wall Street Journal zero-coupon bonds