When To Get Disability Insurance? 
Along with what Peggy said , it 's important to note that you 're never too young to purchase disability insurance . It 's common for workers to think that they wo n't get cancer or sick until they 're older , but considering 90 percent of disabilities are caused by sickness -- not an injury -- you ca n't just assume sickness only strikes the elderly . Cancer , mental nervous , broken legs , car accidents , etc. can happen to anyone . Do n't wait . 