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? Address Thank you! Oops! Related Contents If You're In An Accident Do you know what to do if you're in a car accident? Term vs. Permanent Life Insurance When considering life insurance, it's important to understand your options. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.