Think about it! Why would one buy/pay for insurance for 20 years without using it? When that person knows if/when they have a problem & need major medical attention all they have to do is buy the insurance after the condition is discovered. Simple, wait till one needs the insurance & then buy it.
Of course, not gonna happen. The insurance co would go broke.
What clowns don't realize is that long term disability doesn't cover health care costs. You get sick and can't work, you may go on disability, but you also go on cobra, which you pay for, and after 18 months, the insurance company kicks you to the curb, and you are on your own with your medical bills.