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30 minutes
Social Securities Act
Your local Department of Social Services would probably be the best place to start in asking for information. They can take the information and determine what the situation is (i.e.: has the elder simply become incompetent or physically incapable of caring for themselves -or- is it as a result of some kind of of elder-abuse or other unlawful action - etc).
Because the elderly were the ones who contributed to what we have and are today, that simple. May not have been someone we know, but is someone who's older now. Out of respect for the legacy, we should, and for the mere reality that we all one day will be old. Examples: those who built the roads we drive on today, those who invented those things of daily use; THE INTERNET, ETC. see my point.
Read the poem.
It depends on the type of insurance. If you have a whole life or guaranteed universal life policy, the rates are set when you take out the policy and the company cannot increase the rate, ever. If you have a renewable term insurance policy, the rate will increase each time you renew the term. The agent that sold you the policy should have fully explained rate increases and how they worked and if your policy was subject to them.