CONSUMER GUIDES 

There are 4 key documents that you need to complete and have on file when creating an overall care plan for short term AND long-term care.

They are known as �Personal Directives� and are designed to carry out your wishes when you need care (even if you are incapacitated and not able communicate).

This guide is intended to provide an overview of what Long-Term Care (LTC) is (sometimes referred to as extended care) and how to protect yourself, your family, and your estate from the costs associated with an LTC event.

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