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Oerets, I'm still not sure about your thoughts on protecting assets. I've not heard of "Tax Relief Companies" and had to google that.
At the risk of derailing this thread, Do you mean that people who have a house and other assets shouldn't protect those things should they find themselves needing long term care?
This is why I ask... having worked with the elderly before retirement, I have seen many who have lost everything in a matter of months due to the cost of long term care. At that point, they end up on public assistance. So, when one spouse is in long term care at the taxpayers expense, the other spouse if evicted from their home and has lost all the savings they may have had.
Maybe I'm missing your point.
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