Nobody plans on becoming disabled. Disability planning is about being prepared for that possibility.
Statistics tell us that the chance of your home sustaining significant damage in storm or fire is about one in 35. One out of every 14 people will be in a serious car accident. Your chance of becoming disabled at some point in your life is much higher. One out of every two people age 65 or older will need some form of long-term care due to disability.
If you become disabled, someone will need the authority to act for you, not only with regard to financial issues, but also with regard to your health care. By creating powers of attorney for property and health care, you can give a trusted person the authority to act for you.
By creating a living will, which spells out your wishes with regard to medical treatment in an end-of-life situation, you can help make sure your wishes will be carried out.
Trusts are effective disability-planning tools, since you typically name a successor trustee who would have immediate access to your assets if you should became incapacitated.