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 Career With a Special Needs Child Women and the life-work juggling act. Insurance Needs Assessment: For Empty Nesters and Retirees Do your insurance needs stay the same when the nest empties? Understanding the Basics of Medigap Policies Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.