Long-term care (LTC) and how we pay for it continue to be major issues for Americans and our federal, state and local governments. Congress attempted to address these issues with the Community Living Assistance Services (CLASS) Act, which established a voluntary LTC program. But, that program was recently eliminated. As the baby boomers age, the issue of LTC will continue to attract the attention of politicians, consumer groups and, of course, your clients. The costs are staggering. ...

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