When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Contents Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including your insurance needs. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.