When Should I Get Long Term Disability Insurance? 
There are schools of thought that purchasing long term care insurance -LRB- LTCi -RRB- early on when youre healthy is the ideal time to buy LTCi . Conventional wisdom is no later than age 50 when the potential morbidity events begin to increase and at age 62 for price considerations . Establishing a long term care insurance policy is part of defensive retirement planning and should be a high priority based on life expectancy and the average cost for extended care during your senior years . 