Bay County Probate Lawyers

Scot C. Putzig
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Scot C. Putzig
Saginaw County, MI Probate Attorney with 6 years of experience
(989) 799-5000 5195 Hampton Pl
Saginaw, MI 48604
Probate, Business, Estate Planning and Real Estate
University of Notre Dame
Scot focuses on business law, real estate development, employment law, estate planning, probate, and commercial litigation. He received his Bachelor of Arts from the University of Michigan and his J.D., with cum laude honors, from the Notre Dame Law School. While at Notre Dame, Scot was an editor with the Journal of Legislation and clerked for the Federal District Court for the Eastern District of Michigan in Flint, MI, and the Michigan Supreme Court in Lansing, MI. After graduating from Notre Dame Law School, Scot clerked with the Michigan Court of Appeals in Grand Rapids, MI. In January of...
Travis I Dafoe
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Travis I Dafoe
Saginaw County, MI Probate Attorney with 11 years of experience
(989) 321-2330 160 S. Main St, Ste 4
Frankenmuth, MI 48734
Probate, Elder, Estate Planning and Real Estate
Western Michigan University Cooley Law School
I enjoy the interaction with people where I can explain something that may seem complex in a way that helps them understand. As a former teacher, I do enjoy those ah-ha moments where things click. I enjoy talking with clients and getting to know them and their situation, so that I can find the best possible solutions for their needs. I believe that effective estate planning is a critical component of my client’s life planning. I believe that family fights over inheritance are unnecessary and wasteful. Families achieve better outcomes through planning rather than fighting. While it is...
Andrew D. Richards
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Andrew D. Richards
Saginaw County, MI Probate Lawyer with 36 years of experience
(989) 792-9641 200 St. Andrews Road
Saginaw, MI 48638
Probate, Business, Elder and Estate Planning
The Catholic University of America
I am an Estate Planning and Business Succession Planning Attorney, with the Saginaw - based law firm of Smith Bovill, P.C. I have been a Partner in the firm since 1991. I enjoy working with families and their estate planning and family businesses to help them with succession planning. We work with clients, most often on a flat fee basis, with a no-fee, no-obligation initial consultation. Clients meet with me personally on a one-to-one basis in all cases. Our staff is courteous, professional, knowledgeable and friendly. My philosophy is to build long-term relationships with clients.
Darrell Zolton
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Darrell Zolton
Saginaw County, MI Probate Lawyer with 29 years of experience
(989) 792-1111 6420 Normandy Dr
Saginaw, MI 48638
Probate, Elder, Estate Planning and Real Estate
Western Michigan University Cooley Law School
Sharon Burgess
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Sharon Burgess
Saginaw County, MI Probate Attorney with 19 years of experience
(989) 652-9923 140 W Tuscola St
Frankenmuth, MI 48734
Probate, Elder, Estate Planning and Real Estate
Western Michigan University Cooley Law School and Western Michigan University Cooley Law School
I reside in Frankenmuth, Michigan, and practice in the firm’s Frankenmuth and Saginaw offices. I specialize in Elder Law, Estate Planning, Probate and Estate Administration, Business Organizations, Real Estate Law, and I am VA certified. I am a frequent speaker and seminar presenter on estate planning and elder law. My practice in the field of elder law covers Medicaid qualification, estate planning, Guardianship, Conservatorships, and Veterans benefits.

I am on the Board of Directors of the Frankenmnuth Morning Rotary. I am an active member and have served on the Board of Directors for the Northeastern Michigan Estate Planning Council and the...
Julie Gafkay
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Julie Gafkay
Saginaw County, MI Probate Lawyer with 25 years of experience
(877) 524-4529 175 S. Main Street
Frankenmuth, MI 48734
Probate, Civil Rights, Employment and Estate Planning
Julie A. Gafkay graduated from Michigan State University in 1992 with a dual major in criminal justice and political theory. She graduated from Whittier Law School in 1995 with honors. Her first position was in Flint, Michigan focusing on civil rights and employment discrimination. In 2003, Attorney Gafkay opened her own statewide practice in Frankenmuth, Michigan. The practice's attorneys provide a general practice to the local area providing legal services in Wills, Trusts, Estate Planning, Elder Law, Business Planning, contract review, landlord/tenant issues, real estate, employment issues and other general practice areas. Attorney Gafkay has...
Susan Williamson
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Susan Williamson
Saginaw County, MI Probate Lawyer with 26 years of experience
(989) 652-2671 190 E. School Street
Frankenmuth, MI 48734
Probate, Elder and Estate Planning
University of Detroit Mercy School of Law
Brett Howell
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Brett Howell
Genesee County, MI Probate Lawyer with 28 years of experience
(810) 953-3846 8285 S Saginaw St
Grand Blanc, MI 48439
Probate, Elder and Estate Planning
Brett is a Certified Elder Law Attorney and has been helping his clients for over 20 years. He is the owner of The Elder and Estate Planning Law Firm, P.L.L.C. located at 8285 S. Saginaw Street in Grand Blanc. As the firm name suggests, his practice is dedicated exclusively to assisting clients with their estate planning and elder law needs, such as Medicaid planning, trusts, wills, Veterans Benefits planning, guardianship, conservatorships and probate estate or trust administration.
Lesley Hoenig
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Lesley Hoenig
Isabella County, MI Probate Attorney with 18 years of experience
(989) 773-0900 407 E Broadway
Mount Pleasant, MI 48858
Free ConsultationProbate, Bankruptcy, Estate Planning and Foreclosure Defense
Northern Illinois University College of Law
I am an attorney licensed to practice in Michigan, Illinois and Minnesota. I primarily practice in bankruptcy, foreclosure, real estate, estate planning and probate.
Benjamin Jeffrey Stoltman
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Benjamin Jeffrey Stoltman
Genesee County, MI Probate Attorney with 3 years of experience
(810) 644-5697 3153 W. Hill Rd.
Flint, MI 48507
Free ConsultationProbate, Elder and Estate Planning
University of Detroit Mercy School of Law
Benjamin Stoltman focuses on Adult and Minor Guardianships, Wills, Trusts and Estates, Adoptions, Non-Profit Formation, Business Transactions, and Appeals.

Ben graduated magna cum laude from the University of Detroit Mercy School of Law. While in law school, Benjamin served as a member of Law Review and was the recipient of numerous awards for academic merit, including top marks in civil procedure, military law, and the professional responsibility seminar.

Benjamin was also inducted as a member of the Justice Frank Murphy Honor Society, an honor reserved for students graduating in the top ten percent of their class.

Prior to starting...
David M. McCleary
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David M. McCleary
Genesee County, MI Probate Lawyer with 36 years of experience
(810) 516-5116 8161 S. Saginaw
Grand Blanc, MI 48439
Free ConsultationProbate, Divorce, Estate Planning and Family
University of Detroit Mercy School of Law
You have questions- I have answers. Call now for a free consultation. (810) 516-5116. Many law firms say that they offer personalized service, but their actions don't always reflect that when it comes to dealing with their clients. I'm David McCleary, and at my law firm, McCleary & Associates, P.C., I take those words to heart. I want to be your family's trusted adviser for all your estate planning needs. I meet with all my clients myself, one-on-one. This means I can offer a true individualized service to the people in the Grand Blanc and...
Amir E. Abu-Aita
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Amir E. Abu-Aita
Genesee County, MI Probate Lawyer
(810) 238-1700 5151 Gateway Centre
Suite 100
Flint, MI 48507
Free ConsultationProbate, Elder and Estate Planning
Western Michigan University Cooley Law School
Amir practices Elder Law, Medicaid Planning, VA Planning, Probate, Estate Planning, and Business Transactions. He has an extensive background of helping the elderly through his family-owned Licensed Assisted Living Homes. At Serenity Assisted Living, Amir assisted the elderly in their medical needs. Now, he hopes to help even more elderly in their legal and planning needs.
Jaynie Smith Hoerauf
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Jaynie Smith Hoerauf
Clare County, MI Probate Attorney with 27 years of experience
(989) 386-3434 601 Beech Street
PO Box 67
Clare, MI 48617
Probate, Business, Collections and Municipal
Western Michigan University Cooley Law School
About half of my practice consists of local government representation. The remainder is real estate, estate planning, probate, collections and general business matters. We strive to provide prompt and professional services with personal attention and care.
Robert Mannor
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Robert Mannor
Genesee County, MI Probate Lawyer with 25 years of experience
(810) 694-9000 8228 S. Saginaw
Suite A
Grand Blanc, MI 48439
Probate, Elder and Estate Planning
Amy J DeNise
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Amy J DeNise
Genesee County, MI Probate Attorney with 22 years of experience
(810) 732-8500 G-5121 Flushing Road
Flushing, MI 48433
Probate and Elder
Wayne State University Law School
Alexandra Nassar
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Alexandra Nassar
Genesee County, MI Probate Lawyer with 13 years of experience
(810) 238-1700 5151 Gateway Center # 100
Flint, MI 48507
Probate, Business, Elder and Estate Planning
Trent C. Hilding
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Trent C. Hilding
Tuscola County, MI Probate Attorney
(989) 427-3436 6586 Center Street
Unionville, MI 48767
Probate, Agricultural, Estate Planning and Tax
William A. Shaheen Jr.
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William A. Shaheen Jr.
Genesee County, MI Probate Attorney with 51 years of experience
(810) 238-1700 5151 Gateway Center # 100
Flint, MI 48507
Probate, Business, Estate Planning and Real Estate
Wayne State University Law School and University of Michigan Law School
B.A. Economics - University of Michigan
J.D. - University of Michigan Law School
L.L.M. Wayne State University Law School
Law Clerk - Michigan Court of Appeals
Member - Business Advisory Board - Institute for Continuing Legal Education (ICLE)
ICLE Publications:
Contributing Author-Advising Closely Held Businesses In Michigan
Author - Purchase & Sale of Business / Michigan Business Formbook
Author - Transfer Michigan Liquor Licenses
Practice Areas:
Business & Estate Planning, including Wills, Trusts & Power of Attorney & Health Care Power of Attorney, Estate & Trust Administration, Entity Formations & Dissolutions, Business Transactions, Purchase & Sale of Businesses and Professional Practices, Prenuptial Agreements
Sherri Frame
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Sherri Frame
Genesee County, MI Probate Attorney with 22 years of experience
(810) 399-5999 12750 S. Saginaw Street, Ste. 202
Grand Blanc, MI 48439
Probate, Elder and Estate Planning
Timothy P. Flynn
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Timothy P. Flynn
Oakland County, MI Probate Lawyer with 31 years of experience
(248) 710-0822 6480 Citation Dr.
Clarkston, MI 48346
Free ConsultationProbate, Appeals, Divorce and Elder
University of Detroit Mercy School of Law
Since 1989, I have been an attorney licensed by the State Bar of Michigan. In my decades of general practice, I have served thousands of clients. Among the first-50 attorneys in Michigan to complete the Family Law Certificate program offered by the Institute for Continuing Legal Education in Ann Arbor, MI, I have completed more than 1000 divorces from start to finish. In addition to family law, I have a robust criminal law practice, representing clients in jury trials and appeals across Michigan. A roster attorney for the Michigan Appellate Assigned Counsel System for 3-years, I...
Trent Harris
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Trent Harris
Jackson County, MI Probate Attorney with 12 years of experience
(517) 240-4236 404 S. Jackson St.
Jackson, MI 49201
Free ConsultationProbate, Bankruptcy, Collections and Estate Planning
Chicago-Kent College of Law, Illinois Institute of Technology
I'm a bankruptcy, collections, estate planning, and probate lawyer practicing in Jackson, Michigan. Born and raised in Jackson, Michigan, I've been a lawyer since 2008 and have spent most of that time in private practice as a solo practitioner. I also have worked several years working for a bank as in-house counsel handling debt collections and Chapter 7 and Chapter 13 bankruptcy matters.

I help individuals and families plan for and navigate legal issues in some of the most significant financial and legal events in their lives: births, deaths, marriages, divorces, job losses, illnesses, hospitalizations, long-term-care, and other major life...
Lauren Powell
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Lauren Powell
Saint Clair County, MI Probate Attorney with 18 years of experience
(586) 229-1518 1530 Pine Grove Ave
#6
Port Huron, MI 48060
Free ConsultationProbate, Bankruptcy, Divorce and Family
Wayne State University Law School
Powell Law Offices, P.C. is client focused, and resuIts driven. We focus our practice in family law (divorce, custody, child support, modifications and enforcements), bankruptcy and probate. We are tenacious and fight for our clients. We also take the time to listen to and know our clients, because the information that can win a case often comes from the details we get from everyday conversations with our clients. We are there for our clients, every step of the way. I am licensed to practice law in Texas and Michigan. I am Nationally Board Certified through the American Board of Certification...
Kenneth Gold
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Kenneth Gold
Wayne County, MI Probate Lawyer with 33 years of experience
(734) 335-7100 747 S. Main St. Suite 100
Plymouth, MI 48170
Free ConsultationProbate and Estate Planning
Wayne State University
Ken Gold is an experienced and dedicated estate planning and probate attorney. He has the knowledge and skills to help you with every element of estate planning along with your real estate and business needs.
Aaron R. Shahan
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Aaron R. Shahan
Wayne County, MI Probate Lawyer with 10 years of experience
(248) 773-5555 598 N. Mill St
Plymouth, MI 48170
Free ConsultationProbate, Elder and Estate Planning
The John Marshall Law School
Aaron Shahan focuses his practice on the areas of probate and trust law. He assists his clients with a broad range of disputes involving probate, trust, and fiduciary matters. Aaron Shahan also helps individuals, couples, and families create estate plans, private foundations and charitable trusts. Prior to forming ATLAS LAW, PLC, Aaron practiced with a premier estate planning and probate litigation firm. He has extensive litigation experience and is proficient in advanced estate planning and asset protection techniques. Aaron is licensed to practice in Michigan, Florida, and Arizona. He is also an accredited attorney with the Veterans Administration. ...
Sean Patrick Murphy
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Sean Patrick Murphy
Wayne County, MI Probate Lawyer with 6 years of experience
(313) 672-7300 801 W. Ann Arbor Trail
Suite 240
Plymouth, MI 48170
Free ConsultationProbate, Business, Construction and Estate Planning
University of Detroit Mercy School of Law
Sean is currently an Attorney at Hubbard Snitchler & Parzianello, PLC. He is licensed to practice law in the State of Michigan. Prior to joining Hubbard Snitchler & Parzianello, PLC, Sean practiced at a small firm in Farmington Hills, Michigan and was a Judicial Law Clerk to Justice Stephen J. Markman of the Michigan Supreme Court.

Sean graduated from Western Michigan University with a Bachelor of Business Administration in Economics and Business Administration. After Western Michigan, Sean went on to graduate from the University of Detroit Mercy School of Law, graduating summa cum laude and first in his class. While...
Kent Wood II
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Kent Wood II
Ingham County, MI Probate Attorney with 13 years of experience
(517) 481-3300 901 N. Washington Avenue
Lansing, MI 48906
Free ConsultationProbate, Divorce, Estate Planning and Family
Western Michigan University Cooley Law School and Michigan State University
My mission is to assist clients in making informed and educated decisions with no false representation, and to provide realistic expectations for their outcomes. Over the course of the last several years, I have represented thousands of clients, handled multi-million dollar trusts, and provided pro-bono work for select local residents in need.
John Ceci
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John Ceci
Livingston County, MI Probate Lawyer with 18 years of experience
(810) 299-2734 726 W. Grand River Ave.
Brighton, MI 48116
Free ConsultationProbate, Bankruptcy, Estate Planning and Family
Western Michigan University Cooley Law School and Eastern Michigan University
I help people solve problems.

I help them kick debt collectors to the curb. I also help them untie the knot. And I help them move from the world to the next.

More specifically:

I help people file for bankruptcy when their debt is too much for them to deal with any more.

I help them end a marriage when they feel that's their only option.

And I help people put together a Will or a Trust (or both) so when their time on this earth ends, those left behind can have some semblance of order in a trying situation.

When people come to me,...
Don L Rosenberg
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Don L Rosenberg
Oakland County, MI Probate Attorney with 40 years of experience
(248) 641-7070 1301 W Long Lake Rd
Ste 340
Troy, MI 48098
Free ConsultationProbate, Elder and Estate Planning
I have been practicing for thirty-seve years. My practice is limited to specializing in issues concerning disability, estate, probate, long term care, nursing home, Veterans, Medicaid and special needs planning. I am the immediate past President/Chairman of the Board of Directors of the Alzheimer’s Association - Greater Michigan Chapter (after having served for the last 6 years) and member of the Association's executive committee and an Assembly Delegate to Alzheimer’s Association – National Chapter, Chicago, Illinois. I am also a Member of National Academy of Elder Law Attorneys and have been listed since 1991 in the...
Shawn H. Head
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Shawn H. Head
Oakland County, MI Probate Lawyer with 12 years of experience
(248) 939-5405 34705 W. Twelve Mile Rd.
Suite 160
Farmington Hills, MI 48331
Free ConsultationProbate, Business, Collections and Criminal Defense
University of Detroit Mercy School of Law
Shawn is the owner of The Head Law Firm, PLC. He is licensed to practice law in the State of Michigan, and the U.S. District Court for the Eastern District of Michigan. He represents individual and business clients throughout the Detroit Metro Area, including Livonia, Westland, Plymouth, Canton, Northville, Farmington Hills, West Bloomfield, Novi, Troy, and other surrounding areas.

Shawn has been repeatedly recognized as one of Metro Detroit’s Top Lawyers in the areas of criminal defense and commercial litigation by DBusiness Magazine. He has also been selected as a Rising Star by Michigan Super Lawyers every year since 2015.

Shawn graduated...
Stacey N. Brancheau
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Stacey N. Brancheau
Genesee County, MI Probate Lawyer with 26 years of experience
(810) 629-2222 1100 Torrey, Suite 200
Fenton, MI 48430
Probate, Business, Elder and Estate Planning
Western Michigan University Cooley Law School
Stacey Brancheau established the Brancheau Law Firm to pursue her passion for helping individuals and their families navigate the often overwhelming process of wealth planning. In addition to her experience as an attorney, Stacey holds her Certified Financial Planner™ (CFP®) and Certified Trust and Financial Advisor (CTFA) designations. With 20 years of experience in the wealth planning industry, serving as an attorney, financial planner, fiduciary advisor and senior trust officer for a regional bank, she is uniquely qualified to assist her clients in developing a comprehensive plan to ensure that their loved ones have the information, guidance and...
Leonid Garbuzov
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Leonid Garbuzov
Oakland County, MI Probate Attorney with 13 years of experience
(248) 246-0507 30701 Barrington St
#100
Madison Heights, MI 48071
Probate, Criminal Defense, Family and Immigration
Boston University School of Law
He has represented a variety of clients ranging from private persons to international corporations. He is especially proud of working extensively with the Hispanic, Russian, Ukrainian, Arabic and Asian communities within the State of Michigan.
Reese Serra
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Reese Serra
Oakland County, MI Probate Lawyer with 9 years of experience
(248) 840-3139 805 Oakwood Dr Ste 101
Rochester, MI 48307
Free ConsultationProbate, Business, Communications and Estate Planning
Thomas M. Cooley Law School
Mr. Serra concentrates his practice on tirelessly representing the needs of Michigan businesses and business owners. Reese Serra has counseled businesses ranging from a wide variety of industries with an expertise in representing technology clients of all sizes.
As a civil litigator, Mr. Serra has procured victories for his clients at all levels of State and Federal courts, including numerous successful appeals.

Mr. Serra focuses his practice in the areas of real estate matters, business and financial transactions, including: mergers, acquisitions and reorganizations of business entities; complex commercial and real estate lending and restructuring transactions; international business transactions; real estate sale...
Michelle L Easter
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Michelle L Easter
Saint Clair County, MI Probate Attorney with 4 years of experience
(810) 824-4520 936 Military
Port Huron, MI 48060
Free ConsultationProbate, Divorce, Estate Planning and Family
Western Michigan University Cooley Law School
EDUCATION: Thomas M. Cooley Law School, 2015, Juris Doctor cum laude. Board Member and Solicitation Editor, Thomas M. Cooley Law Review; Student Law Clerk for the Honorable Joseph J. Farah, 7th Circuit Court, Genesee County, Flint, MI LEGAL EXPERIENCE: Attorney and Entrepreneur, Easter Law, PLLC, Port Huron, MI; Attorney, Lakeshore Legal Aid, Port Huron, MI; Law Clerk, State of Michigan, Bureau of Employment Relations, Detroit, MI. ADMISSIONS AND COURTS: Admitted to practice law in the State of Michigan and the United States District Court, Eastern District of Michigan....
Michael J. Hamblin
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Michael J. Hamblin
Oakland County, MI Probate Lawyer with 20 years of experience
(248) 792-5475 40900 Woodward Avenue
Suite 111
Bloomfield Hills, MI 48304
Probate, Business, Criminal Defense and Family
Wayne State University Law School
I have been practicing law for almost 20 years, and focus my practice on litigation cases, business law, family law cases, misdemeanor criminal defense, probate law, and real estate matters.

My office is in Bloomfield Hills, Michigan, which is a suburb of Detroit. I represent clients mostly in the Metro Detroit area (Oakland, Wayne, Macomb, and Washtenaw counties). But, depending on the case, I do represent clients in other areas of Michigan, and have handled cases in Grand Rapids, Kalamazoo, Traverse City, Lansing, as well as other locations in Michigan.

In addition to my representation of clients in Michigan, I have...
Raymond Barry
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Raymond Barry
Oakland County, MI Probate Attorney with 25 years of experience
(877) 332-1579 1100 Corporate Office Drive
Suite 100
Milford, MI 48381
Probate, Criminal Defense, DUI & DWI and Estate Planning
Thomas M. Cooley Law School
Raymond C. Barry & Associates, PLLC advises clients in matters of creating effective estate plans, wills, powers of attorney, deeds and medical patient advocates. We handle all aspects of probate administration so you don't have to. We also effectively defend clients who have found themselves charged with traffic offenses, misdemeanors or felonies.
Matt William Zeigler
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Matt William Zeigler
Oakland County, MI Probate Lawyer with 44 years of experience
(248) 643-9530 3001 W Big Beaver Rd, #408
Troy, MI 48084
Probate, Business, Employment and Estate Planning
University of Detroit Mercy School of Law
Since 1976, Zeigler Townley P.C. has handled a wide variety of challenging and complex business and personal matters both in and out of Court. As a Vietnam Veteran, Matt has a very long view of all business litigation, employment and transactional matters, knowing what matters, and what does not.
Dean E. Patrick
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Dean E. Patrick
Oakland County, MI Probate Lawyer with 16 years of experience
(248) 663-2566 24725 W. 12 Mile Road
Suite 110
Southfield, MI 48034
Free ConsultationProbate, Estate Planning, Social Security Disability and Traffic Tickets
University of Detroit Mercy School of Law
Since establishing his own practice, Mr. Patrick has personally counseled hundreds of individuals in legal matters and has educated thousands throughout Michigan as a speaker and author.
Brent T. Geers
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Brent T. Geers
Kent County, MI Probate Attorney with 8 years of experience
(616) 965-6864 15 Ionia Ave SW STE 530
Grand Rapids, MI 49503
Free ConsultationProbate, Appeals, Estate Planning and Family
Western Michigan University Cooley Law School
Brent Geers specializes in helping people empower those they trust and provide for those they love. Brent has been an attorney since 2012, working with individuals and families to marshal their time, talent, and treasurer for the benefit of their children, family, and community. He is a Grand Rapids Business Journal’s “40 Under 40” honoree, and currently operates his own practice, Geers Law. Brent is married to an educator, who employs his services as a chaperon for various school functions. He is also his daughter’s father – a girl who will become a president, not a princess.
Jeffrey J. Michalowski
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Jeffrey J. Michalowski
Macomb County, MI Probate Attorney with 20 years of experience
(866) 529-3537 44444 Mound Rd
#100
Sterling Heights, MI 48314
Free ConsultationProbate, Elder, Estate Planning and Insurance Claims
Wayne State University Law School
One of the founding partners of Serafini, Michalowski, Derkacz and Associates, P.C., Jeff focuses his practice in the areas of elder law, estate planning, trust administration, probate administration, and corporate law. Jeff grew up in Sterling Heights and is happy to have returned to Macomb County to practice law.

Prior to establishing Serafini, Michalowski, Derkacz & Associates, P.C., Jeff worked with a large regional accounting and business consulting firm, an insurance defense law firm and a business law firm specializing in corporate law, business formation, business consulting and private equity matters. After working with an elder law and estate planning firm...
Benjamin A Schock
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Benjamin A Schock
Macomb County, MI Probate Lawyer with 14 years of experience
(586) 239-0871 37060 Garfield Road
Suite T-6
Clinton Township, MI 48036
Free ConsultationProbate, Criminal Defense, Elder and Estate Planning
Michigan State University and Michigan State University
Benjamin Schock is a skilled, experienced elder law attorney who successfully assists seniors in passing their hard earned assets on to their loved ones while allowing them to receive additional benefits that help them offset the cost of long term care.

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