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? How Insurance Deductibles Work Knowing how insurance deductibles work can help you save money and give you peace of mind. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.