When To Get Disability Insurance? 
when should you get disability insurance ? Honestly ? As soon as you can , even before starting work in some professions . Many disability carriers offer policies to young beginning professionals before they start work . A person could set up a plan that takes advantage of their good health -LRB- great price -RRB- and also sets up for future increases without medical underwriting and creating an individual policy `` before '' going on a group plan allows a person to insure 100 % or more of their income . With student loans being what they are , making sure you can cover your loans in case of a disability makes great sense . 