Long term disability insurance is an important consideration for anyone who relies on their income to maintain their standard of living. It provides financial protection in the event that you are unable to work due to a long-term illness or injury. The best time to consider purchasing long term disability insurance is when you are young and healthy, as this is typically when premiums are most affordable. Additionally, if you have dependents or significant financial obligations, such as a mortgage or other debts, it's important to have a plan in place to protect your income. It's also advisable to consider long term disability insurance when your employer does not provide adequate coverage or if you are self-employed. Ultimately, the decision to purchase long term disability insurance should be based on your individual circumstances and financial goals. Consulting with a qualified insurance professional can help you assess your needs and determine the most suitable coverage for your situation.