If I am disabled, can somebody make gifts on my behalf?
This is a very important question. If you become disabled and have no base level planning in place, it is likely that it will be left to a judge to appoint a guardian to make your decisions for you. In situations such as this, the court-appointed guardian has little or not ability to plan for your long term care needs if such planning involves a divestment plan.
It is vitally important that you have a comprehensive estate plan in place that will preserve the ability for your chosen helpers to prepare a long term care plan, including a divestment plan, if you become disabled. Being able to "cross that bridge when you come to it" through comprehensive estate planning ensures that you leave your options open and maintain control of your assets as long as possible.