When To Purchase Disability Insurance? 
Personally , I do n't think it 's ever too soon to buy disability insurance . If you 're eligible , you should be looking into it . The cost of DI rises with age , and if you develop an illness or become injured , those pre-existing conditions could be excluded or drive up the cost . I 'm only 25 and because of a condition I was diagnosed with a few years ago , even I 'm not eligible for DI . If I had known about the importance of DI at the beginning of my career , I would have purchased it , even at age 22 . So many of us think disabilities are caused from accidents or injuries , so if we 're sitting at an office job , we have no need for DI , right ? Wrong . Ninety percent of disabilities are caused by illness , which can strike at any age , and can affect any occupation . 