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By necessity, Medicaid, which was intended to provide assistance to impoverished citizens, has become the default long-term care insurance for the middle class. Consider this: The average cost of institutionalized nursing care in New Jersey is between $7,500.00 and $12,000.00 per month.  Contrary to popular belief, Medicare does not provide

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A comprehensive estate plan resolves a number of legal questions that arise whenever anyone dies: What is the state of their financial affairs? What real and personal property do they own? Who gets what? Does a personal guardian need to be appointed to care for minor

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