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long term care insurance a. must be purchased so far in advance of anticipated need that savings become a good alternative to insurance. b. pays more than 10% of u.s. nursing home and home health care bills. c. is popular because significant financial benefits go to the heirs of the individual who purchased the insurance. d. pays mostly for medical care, with less budget allocated to lifestyle choices, such as housing, food, social amenities. e. is widespread in the u.s.

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