​Does your financial plan include a sizable legacy for your loved ones? Do you want to leave assets to fund your grandchildren’s education? Or perhaps you may want to give your grown children a head start on their retirement savings.
 
Whatever your objectives, it’s important to develop a legacy plan that protects your assets and details how your funds will flow to your heirs. That plan should also include an assessment of the risks that could threaten your legacy.

​Imagine you’re involved in an accident that leaves you physically unable to work. Or imagine you develop a serious illness that forces you to take an extended absence from your career. How long could you support yourself and your family without the benefit of a paycheck? Do you have a strategy in place to manage disability risk?
 
Many workers don’t plan for disability because they assume it won’t happen to them. According to the Council for Disability Awareness, Americans on average believe they have only a 2 percent chance of suffering a disability. The truth is that the average worker has a 25 percent chance.1