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? Errors and Omissions Insurance E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction. Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including your insurance needs.