While no one wants to think about becoming disabled, the fact is, that the unexpected can happen. Many people will be faced with a temporary disability at least once in their lives. Long-term disability is a real concern that could happen at any moment to anyone. Even if you practice healthy eating habits, exercise each day, and see the doctor regularly, you may be unable to avoid an injury that could have a long-term effect on your life. For example, you could suffer a slip and fall or some other type of accident that was beyond your control. Proper disability planning can ensure that your needs will be met if the unthinkable occurs.