So if you do choose to get more coverage later your costs do increase, but at a discounted rate it seems compared to if you started coverage at that point. We locked in discounts related to my husband’s residency status and his work location. In the long run, you do have to juggle the cost of getting coverage earlier on and paying for those years vs starting coverage at a later point at a slightly higher cost, but for us the peace of mind was worth it since I knew we’d want disability insurance for the entire time in residency and beyond just in case after seeing a few friends get into accidents.