Example : My brother recently fell off a roof and broke his back. Paralyzed now from the waist down. Can't work. Insurance is now gone because he cant work to p

Example : My brother recently fell off a roof and broke his back. Paralyzed now from the waist down. Can't work. Insurance is now gone because he cant work to pay premiums. That first year was great... insurance covered everything. Now... his long term care will end up being medicare disability which means he loses everything he owns.