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If you’ve worked as a consultant or broker for any length of time, you’ve sensed this conversation coming for a while now: The discussion around long-term care. Demographic, legislative and economic factors have placed long-term care front-and-center, forcing new conversations among clients and brokers.

The increasing costs of long-term care in conjunction with the increased likelihood that people will need long-term care is putting clients and employees in some pretty tough spots. In fact, it’s led many states (most notably the state of Washington) to consider legislative action to address this issue head-on.

How did we arrive at what many are calling a “care crisis?” 

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