The incapacity plan you create when you graduate college will probably be different than the one you create after you get married, have a child, or learn that you have a chronic illness. Like other financial and estate planning tools, incapacity plans need to change and adapt to you over time. 1. Change in Relationship Status. If you get married, go through a divorce, or enter into a romantic relationship outside of marriage, you’ll want to make sure your incapacity plan re