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? Name Email Address Question Thank you! Oops! Related Contents What is Life Insurance? Part 1 What is Life Insurance? Part 1 Assess Life Insurance Needs How to help determine life insurance needs to provide for your family after you pass away. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.