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? Review Life Insurance Beneficiaries to Avoid Surprises Big life changes may require you to update your life insurance beneficiaries. Have you reviewed yours lately? Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.