When Should I Buy Long Term Disability Insurance? 
Long term disability insurance should be purchased when you are concerned about becoming disabled and losing an income stream . This often occurs at the time you accept your first job and build a bit of stability in the workforce . Of course , you will have to be able to afford premiums which is where a full-time licensed financial planner or broker can help . By utilizing their advice , you can view affordable options that will fit within your budget . 