Is Disability Insurance The Same As Long Term Care? 
No , Disability Insurance is not the same as Long Term Care Insurance , although they do have a lot of similarities . Long Term Disability Insurance pays persons who are unable to work at their regular jobs because of becoming disabled . There is an elimination period , just like Long Term Care , and there may be a limit on the years of benefit , just like LTC -LRB- these are determined when taking out the policy -RRB- . But the amount the Disability Insurance pays is a percent of what those employees made in their jobs and can be used however they wish . For Long Term Care Insurance , there must be certain conditions met besides just being unable to work at one 's job , order to receive benefits . These triggers include inability to do 2-3 activities of daily living independently , cognitive/mental impairment , and nursing home or other long term care ordered by a doctor . The payments might be paid to the insured persons or they might be paid directly to the facilities offering the care , depending on the type of policy that was purchased . 