When To Get Disability Insurance? 
You should get Disability Insurance as soon as you have a job that you depend on for living expenses . If you were to lose your job due to a disability , it could be a year before you qualify for Social Security Disability , and that payment will not be as high as what you can get through a private DI policy . Disability Insurance will pay more and sooner than SSDI , and will pay a benefit for both temporary and permanent disabilities . 