What You Must Know About Disability Planning & How to Start

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It is widely accepted that society is now more sensitive to the needs of its disabled members. This increased sensitivity might result from the increased visibility of disabled people in the media and the public eye. This high visibility led to a greater understanding of the challenges that disabled people face daily. It has also increased awareness of the need for accommodations and support for disabled people.

Disability planning is an essential part of estate planning. It ensures that your loved ones receive proper care if you become incapacitated.

There are a few different ways to plan for disability. You can purchase disability insurance, which will provide income if you cannot work. You can also create trust, which can be used to manage your assets and provide for your loved ones if you become disabled.

Drafting a comprehensive estate plan can be complex. However, it is necessary to consider all aspects of your life, including disability planning. By taking the time to plan for all eventualities, you can ensure that your loved ones are taken care of.

Basic Facts

People often fail to include a comprehensive disability plan because they perceive the chances of becoming disabled as low when, in fact, the possibility is much higher than they realize. According to the U.S. Census Bureau, over 37 million Americans are disabled. That is about 12% of the population. Disability can be caused by various factors, including accidents, injuries, and chronic health conditions. 

According to a recent study, more than 50% of disabled Americans are in their working years, from 18-64. Many of the population cannot work and support themselves or their families.

Another reason people might not have a disability plan is because they think it is too expensive. However, there are several ways to get affordable coverage. For example, many employers offer disability insurance as a benefits package. You can also get coverage through a professional or trade association.

What Does Disability Planning Include?

When we think about disability planning, we often think about financial planning – ensuring we have the right insurance, saving for retirement, and so on. But there is more to disability planning than just the financial side. It also includes making sure you have the proper legal documents in place, that your family is prepared for your possible disability, and that you have a plan for your care if you become disabled.

Who Will Make Medical Arrangements for You During Your Incapacity?

If you cannot decide for yourself due to incapacity, someone else will have to make them for you. This person is called a surrogate decision-maker. There are several points to consider when choosing a surrogate decision-maker. For example, you may want to choose someone who shares your values and who you trust to make the best decisions for you.

Who Will Take Care of Your Children?

It is an essential question to consider when creating your estate plan. You want to ensure that your children will be taken care of if something happens to you.

There are a few different ways to answer this question. You can name a guardian in your will. This person will be responsible for your children if you pass away. You can also set up a trust to provide for your children.


Disability planning is essential to help individuals and families better prepare for the financial challenges associated with an unexpected disability. By understanding the potential economic impact of a disability and having a plan, individuals and families can reduce the financial burden a disability can impose.

You can start comprehensive disability planning with the help of Estate Planning Lawyers Colorado. With our guidance, we will untangle this complicated matter so that you can prepare for your future. So book an appointment now!

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