When Do You Get Long Term Care Insurance? 
The time to get DI is different for everyone depending on your occupation and health . The best answer is ... as soon as possible . DI is cheaper the younger you are , plus you never know if you might become sick or injured . If you 're worried that you might make more money in the future , you can add a rider on your policy that will make you eligible for more coverage at a later date , or you can simply try to buy more DI when the time comes -LRB- assuming you do n't have any serious medical issues when that time does come -RRB- . 