Many people think illness or disability won’t happen to them because they are healthy. The fact is, over 50 million Americans live with disabilities. While Social Security Disability benefits can supplement the possibly exponential costs of a disability, it is not necessarily a solution one should rely on. In addition, cardiovascular disorders, cancer or mental in-capacities lead to long-term disabilities, and when you are presented with a long term care situation, providing the funds to support a chronic disability can be financially debilitating.