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Last week we were talking about Charlie and Doris.  We were in the midst of spending down assets and preparing to file a Medicaid application for Charlie, a nursing home resident, when he passed away.  So no need to do anything further as far as long term care planning –

Charlie had been transferred to a nursing home when his wife Doris called.  Medicare was paying for his care but she had just learned coverage would stop in another week and the private pay cost of care was $11,000 per month.  I could hear the panic in her voice when