I have a will,have a living will,health care proxy,and a trust. An attorney did it all for me and it was pricey,but worth it.
The look back period in MA is 5 years-—I did the legal stuff 6 years ago.
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We’ve done all that.
I am a retired ca state employee. My wife and I pay for long term care insurance. I’m ten years older than her and will most likely need assisted living.
You have done your heirs a big favor and they will praise you for this. By putting your assets into a trust.