What Is The Difference Between Long Term Care Insurance And Disability Insurance? 
Long Term Care Insurance is for those who will need care from someone else for an extended period of time . Disability Insurance is for those who will be unable to work for an extended period of time . The benefits from both now usually go to the insured person to use as they see fit . Long Term Care Insurance benefits are chosen based on the cost of skilled nursing care in that region . Disability Insurance benefits are chosen based on one 's income . 