Many caregivers end up needing care themselves. And while 50% of the bankruptcy filings in the U.S. are a result from medical expenses. Long Term Care insurance & proper estate planning can help avoid if the "Lady" in your life is also your "caregiver" in the elderly years. She should have protection, in case she needs care too.
http://www.lifehappens.org/safeguarding-the-caregiver-with-ltci/
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