Every American is likely to develop a disability in their life, some disabilities will be temporary. Because of this it is important to plan for disability at any age. In 2010, across all age groups, almost one in five people had a disability according to the United States Census and the statistics show that developing a disability increases with age. Some disabilities will be long term and will require skilled care, in-home health care, or help with at least one daily activity. One way to cover the cost is by getting long term care insurance. However, you should discuss your options with an elder law attorney to protect your assets from health care costs in case your health insurance is insufficient. It is most beneficial to make sure your assets are protected long before you develop a disability by using trusts and designating someone to make health care and financial decisions for you when you are unable to do so yourself.