When Do I Need Long Term Disability Insurance? 
Depending on your health , age and occupation , the time to get DI can vary.But for almost everyone , the sooner you can get it , the better . The younger you are , the cheaper your policy will be.Also , illness and injury can strike at any time and at any age , so if youre healthy now , its better to purchase DI coverage before you have the chance to become unhealthy.If youre concerned that your income will grow in the future , you can add a rider to your policy that will allow you to add more coverage at a later date , or you can buy more DI when the time comes . 