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As an elder law attorney, my clients are hard-working people who fought in our wars, worked in our factories, and sent their kids to college. They are honest people who always lived frugally. They paid off their homes and cars and now they live on two Social Security checks and sometimes a very modest pension. Most of them were well and happy until things started crumbling around them. Trying to deal with dementia or long term physical disabilities alone is like standing on a roof and watching a wrecking ball