Okay, so you've been working for years, and let's say you've been doing everything right: not carrying debt, saving diligently for retirement, living within your means.
And then disaster strikes: you're diagnosed with a condition that pretty much ensures your final years will be filled with doctors, disability and deterioration.
Whether it's Alzheimer's disease, multiple sclerosis or some other ailment that will make it impossible for you to care for yourself, the way you plan for retirement just got a whole lot more complicated—for both you and your spouse.
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