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 Surprises Making the most of surprises is a great reason to work with us. What is a Carrier? Do you know what a Carrier is? Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.