Retirement planning is not simple. Preparing for life after one’s serious work has ended is a very difficult and complex task that usually takes a great deal of time to arrive at a comfortable integrated plan. This is because all aspects of your life — financial, lifestyle, place to live, when to stop working, and others — need to be re-planned.

It is a fair estimate that 20% or one in five Americans are permanently disabled due to a vast array of conditions such as blindness, deafness, disease, injury, mental condition, age and other debilitating factors. Government programs are not sufficient to take of these individuals.  Families often are able fill the gaps between what government is willing to do and what the disabled person needs.