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I have seen first-hand how the loss of income can ravage a family's finances and force children and parents to hock everything they own, including their home and heirlooms. The whole experience is heartbreaking. I know -- my family's assets evaporated when my mother needed care during her advanced years. And for that reason, I have dedicated the rest of my professional carrier to helping others avoid the financial meltdown associated with a reduction in income because of a disability or the need for long term care.