Both employer-provided and private disability policies only provide money to replace income lost due to a disability. Long term disability insurance is intended to pay living expenses such as a mortgage, rent, utilities, food, etc. It doesn’t provide an extra $4,000-$6,000 a month to pay for long-term care. Also, group disability insurance is usually tied to employment, and you lose it when you leave your job. Long-term care insurance, however, pays specifically for long-term health care, such as home health and nursing home care and is a policy you can always keep no matter where you bought it. Finally, if your employer is paying the premium for your long-term disability insurance, you will be taxed on the benefits if you have a claim. This isn’t true with long-term care insurance; the benefits are tax-free.