Plenty of people with disabilities across the United States live meaningful and productive lives, but what catches plenty of others by surprise are the opportunities and challenges presented by the sudden development of a disability. 
An expected illness or injury can have catastrophic consequences for someone who is not prepared for a disability. One study found that nearly 50% of all individuals aged 35 or younger will face some disability that renders them unable to work for 90 days or longer before they hit age 65.
For those people between the ages of 35 and 65, approximately, 30% will suffer from a disability at least 90 days long.
One in seven people can expect to face this disability for 5 years or longer. Are you prepared with the right estate planning if that were to happen? All this data means that during your working years, there is a greater chance that you will suffer from a disability and have to make significant changes to your life as a result than there are chances that you will pass away.
Many people have guarded against the possibility of their loss of life using a life insurance policy, but this does little to nothing to protect you from the possibility of disability. Who will make decisions on your behalf? Who will handle your finances? These important questions should be answered in your estate documents.
Planning for potential disability means a comprehensive thought process and planning to protect your loved ones and to establish clarity on what you want to happen to you if you were to become disabled and who is appointed to make decisions on your behalf if you are unable to do so on your own.
Scheduling a consultation with an experienced and dedicated estate planning lawyer in Massachusetts is one of the first steps that you should take if you find yourself in this situation.
