Must report I just returned from the most valuable MCLE Seminar I have ever gone to. In 1990's, went regularly enough to be both asked to be a panelist, to getting free courses from volunteering for Southwest Middlesex Legal Services. This MCLE was on qualifying for Mass Health and the nursing home. What you can do if the people planned; and if they didn't. Even secured a copy of the irrevocable trust to be used, drafted by the man teaching the seminar, the chief lecturer. Not bad. Kathy will be working on plans to market the fact that everyone 60 or older should sit down and go over things, because over 68% of Americans will spend some time in some type of facility. The days of dying at home are dwindling. The average person lives 2-1/2 years after being put in a nursing home. Hospice didn't used to exist. Walked away from the seminar with the idea very clear. EVERYONE 40 or older needs the basic documents (HCP, POA, Will, Homestead). Everyone over 60 needs a consult on how to deal with the future, win, lose or draw just to Be Prepared. (Boy Scouts - think younger - remember, YOU gave this advice to your kids - or should have).