When Should I Get Long Term Disability Insurance?

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   David RacichPRO

   Fountain Hills, Arizona

   There are schools of thought that purchasing long term care insurance (LTCi) early on when you’re healthy is the ideal time to buy LTCi. Conventional wisdom is no later than age 50 when the potential morbidity events begin to increase and at age 62 for price considerations. Establishing a long term care insurance policy is part of defensive retirement planning and should be a high priority based on life expectancy and the average cost for extended care during your senior years. 
   
   

   Answered on June 3, 2013

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