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 Question Thank you! Oops! Related Contents Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? Disability and Your Finances In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings. Long-Term-Care Needs Determine your potential long-term care needs and how long your current assets might last.