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? Planning for the Expected You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health. Insurance Needs Assessment: For Empty Nesters and Retirees Do your insurance needs stay the same when the nest empties?