4.2.7 Planning for Disability
188.8.131.52 Trusts are good vehicles for disability planning. For older clients and/or the client at great risk of a physically or mentally disabling condition, a standby trust, coupled with a durable power of attorney, is recommended. Unless the disabling condition is fairly certain, however, a funded trust may not be necessary. For younger, healthy clients a durable power of attorney is recommended.