Mercer Advisors
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Disability

Disability — whether your own or a loved one’s — can have significant financial consequences that most standard financial plans don’t adequately address, from lost income and retirement plan disruption to the long-term care needs of someone with special needs. At Mercer Advisors, we help clients plan for these realities with disability insurance guidance, special needs trusts, ABLE accounts, and estate plans designed to help protect government benefits and provide for loved ones across a lifetime. Explore the resources below for clear, compassionate guidance on disability-related financial planning.

Couple discussing retirement planning with advisor.
Insurance Solutions Article

Funding LTC Insurance From Your Retirement Plan

SECURE 2.0 created qualified long-term care distributions (QLTCDs), letting retirement plan participants pay LTC insurance premiums without the 10% early withdrawal penalty.

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Insurance Solutions Podcast

Episode 521 – Importance of Disability Insurance

Discover why disability insurance is a critical but overlooked part of any financial plan and how to choose the right coverage for your income.

A man working on disability insurance
Insurance Solutions Article

Why Disability Insurance Remains Essential in 2026

Disability insurance protects your earning power, safeguards savings, and helps prevent retirement plan disruption during illness or injury.

Family & Health Article

Retirement Trusts for Beneficiaries with Special Needs

An overview of how retirement assets can support special needs trust planning, preserve government benefits, and provide long-term financial support for families.

Two women discussing how to use leftover funds in a 529
Financial Planning Article

Beyond Tuition: How to Repurpose Unused 529 Plan Savings

Extra 529 plan funds are flexible, with options for education, family beneficiaries, Roth IRA rollovers, ABLE accounts, or strategic withdrawals.

Insurance Solutions FAQ

What is own-occupation disability insurance?

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Insurance Solutions FAQ

Are qualified long-term care distributions available from an IRA?

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Insurance Solutions FAQ

How do qualified long-term care distributions compare to paying LTC premiums with after-tax savings?

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Insurance Solutions FAQ

How do I find out if my employer’s 401(k) plan offers qualified long-term care distributions?

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Insurance Solutions FAQ

Should I use my retirement savings to fund long-term care insurance premiums?

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Insurance Solutions FAQ

Can I use my 401(k) to pay for long-term care insurance without a penalty?

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Insurance Solutions FAQ

What qualifies as “certified” long-term care insurance under SECURE 2.0?

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Insurance Solutions FAQ

What is a qualified long-term care distribution (QLTCD)?

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Further Learning

man meeting with a financial advisor in office, shaking hands
What Clients Ask Article

Questions to Ask When Choosing a Financial Advisor

Discover the essential questions to ask when choosing a financial advisor — covering fiduciary duty, compensation models, and team approach.

Investment Management Article

Financial Planning Is a Prerequisite to Successful Investing

At Mercer Advisors, financial planning often serves as the starting point for investing decisions. It is the foundation of our evidence-based investing principles.

Estate Planning Guide

The Family Guide to Estate Planning: Helping To Protect What You’ve Built Across Generations

Explore wills, trusts, beneficiary traps, POAs, estate tax changes, inherited IRAs, gifting, and family conversations in one comprehensive planning guide.

Investment Management Article

Portfolio Diversification: How To Build a More Resilient Investment Strategy

Learn how a coordinated strategy may help manage risk and support your long-term goals.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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Financial Planning
Estate Planning
Tax Planning & Preparation
Insurance Solutions
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Want to learn more about Mercer Advisors?

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