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My parents took a long term care insurance policy that provides for full coverage of home care costs. When my dad got sick and needed home care everything was covered and he had a RN taking care of him. Dad passed away and the policy had a clause that if one spouse passes the other no longer has to pay the insurance premium and will still be covered. Something to consider when I hear stories like this.
Find a health care expert in your area maybe they can help get all of this worked out.
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89 930 Cab Black
11 Cayenne
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