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 Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.