If an individual plans to work to age 70 is it worth keeping disability insurance after age 62 if it only pays to age 65 or not less than 5 years?

If you have adequate funds set aside to retire today or pay your monthly bills without continued income today than no, you don't need to keep it. Keep in mind that the older you get the more likely you will need the protection. Drop it today, get diagnosed with cancer tomorrow. Murphy's Law. Besides, if you opted for the money back rider you will get all your money back anyway....you did opt for the money back rider didn't you? If it is a toss up between keeping the DI and buying LTCi, then the answer is drop the DI to free up the premiums to pay for the LTCi. 4lifeguild