Objective: The issue of disaster/mental health has been an international research interest in recent years. It has also gotten increasing local attention since the 1999, 9-2-1 earthquake in Taiwan. The authors advocate a process-oriented research approach to systematically observe the long-term reaction of the victims from the disaster. Method: Literature reviews and research comparisons were used. Three processes were reviewed in the paper: (1) psychological reaction of the disaster and the aftermath transformation; (2) psychological disturbance and the readjustment of the diaster; (3) risk factors of the disaster. Conclusion: From the analyses of the three processes stated, it seems that the psychological reaction and disturbance are changing throughout the course, during which the psychological disturbance of the victims from the disaster could be effectively predicted through the gains or less of resources. Among these resources, personal resource is the most powerful predictor. This paper also found that post-traumatic stress symptoms are influenced by different risk factors. However, the results above are not conclusive since more data and verification through a longitudinal study are required.