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 Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? When to Self-Insure Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails? Income Protection for Millennials Income protection insurance can replace earnings during a disability and recovery.