The year 2019 saw many states approving record increases in long-term care (LTC) insurance premiums, with some states greenlighting increases of more than 200%. As elder law attorneys, we know that planning for the cost of future care is one of the most important steps our clients can take to protect themselves (and their families) as they age. Traditionally, we feel relieved when our clients arrive with a comprehensive LTC policy in place. But, what happens when the cost of the policy
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