When Should I Buy Disability Insurance? 
As soon as you rely on an income -LRB- which for most people , that 's always -RRB- , you should look into getting disability insurance . It 's important to realize that workers in their 20s are n't necessarily too young for DI because they 're typically in better health . If you wait until you 're older , there 's a greater chance that you 'll have a pre-existing condition . 