The world is unfortunately filled with misfortunes, which can strike an individual's life without warning. Some of these include motor vehicle accidents, injuries sustained in the work place or even medical malpractice. People who find themselves in such calamities are often overwhelmed by the sheer absurdity of it happening to them. Some of them might be in extremely agonizing circumstances which require long-term healthcare, and consequently, find the quality of their lives significantly reduced.

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