When a person is in their later years, one thing that can be a major source of costs for them is health care. There are many different types of health care costs an elderly individual can face.
It is common for a person to have very specific ideas of where exactly they want all their various assets to go when they die. Thus, it is understandable that a person, when estate planning, often puts a great deal of energy into making sure that their first choices for what will happen with their assets post-death are enshrined into their estate plan. One thing it is important for a person to not forget about though in the midst of this focus is the importance of having a backup plan in place in case their first choice for some reason isn't able to be followed through on.