There is a lot we can do to ensure our family’s health and safety. In our daily lives, we can encourage healthy habits and identify potential safety hazards to avoid. Looking toward the future, we can seek home, vehicle, and life insurance in case of an emergency. While there are so many situations we can -- and do -- prepare for, there are plenty we overlook. A sudden disability, for example, is an occurrence that families rarely plan for, and it can be emotionally and financially overwhelming. It’s important to understand all that’s involved when a family member is disabled after an accident or is diagnosed with a physical impairment.