As we begin 2013, long-term care (LTC) continues to be an issue that estate-planning advisors must address with their clients. However, the landscape is now different. Several of the traditional methods of paying for LTC are undergoing significant changes. Also, the Affordable Care Act (ACA)1 will impact our elder clients.    Medicare Medicare, although not a significant payer of LTC, is relied on by millions of seniors and those with disabilities to help pay for ...

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