What Is Long Term Care Disability Insurance? 
Long Term Care and Disability Insurance are two separate policies . Long Term Care Insurance pays for skilled care when covered persons can no longer care for themselves . Disability Insurance pays the covered person cash if they can no longer work due to an illness or injury . Long Term Disability -LRB- without the word care inserted -RRB- is Disability Insurance that is designed for persons who are unable to work for an extended period of time -LRB- generally , a minimum of three months -RRB- . 