Everyone needs some kind of coverage, which will replace most of their Income in case they cannot work due to disability. When people without Disability Insurance become disabled, Income stops or is reduced, and savings are drained. Some exceptions are those with high levels of investment income, students, or individuals whose spouse continues to provide enough income to cover expenses.
The best time to buy Disability Insurance is when you are young, in training and in good health. This is because eligibility and premium rates are based on your age and how healthy you are. You should buy sooner rather than later as our health tends to deteriorate as we get older.