Your DNA Test Preparing for the unexpected can make all the difference if your family relies on your income. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content The Best of Both Worlds Here are a few reasons we’ve chosen to be independent. Did You Know This Fact About the Claims Process? Claims can be left open as long as you need. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.