Where state laws don't get in the way, plans often make just such a distinction.

FORBES: Asylum for The Insane

That's the standard disclaimer of people who very often decide to make such plans later, or sometimes don't.

WSJ: Hillary Clinton's every public move generates buzz

At the same time, however, democracy makes it much easier for a substantial and implacable minority to make sure things don't happen, and that seems likely to be the case with plans for more nuclear power.

ECONOMIST: Japan's hydra-headed disaster

As for types of plans covered, the law takes an expansive view of deferred compensation plans--the likely intent being to make sure that the exceptions don't swallow the rule.

FORBES