no matter what you do and what precautions you take, no matter how active your kid is or how many sports they play, no matter how much you think this post will never apply to you, there may come a time in your life where your child gets sick and does not fully recover. there may come a time when they develop a chronic illness, an incurable medical condition, or become disabled. at any age. nobody is too young for this to happen to them. an accident, an illness, an injury, any one of the many genetic conditions out there without proper testing, something you thought they would recover from. any number of things here.