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Much has been written about how much long term care is costing this country and specifically how much tax payer dollars are spent on government benefit programs, with those numbers continuing to rise.  All true.  But, government waste, ineptitude and an inability to eliminate fraud certainly play a role.  An

Perhaps it’s a phrase you’ve heard before but aren’t aware of the history behind it. (More on that in a minute.)  A recent New Jersey court case brought the statement to mind and left me shaking my head because it just reinforces why clients so need my services.  Allow me