Is Long Term Care Insurance The Same As Long Term Disability Insurance? 
No these are two distinct policy types , although the claims triggers are sometimes similar . Long term disability replaces a portion of income during the time you are unable to perform the duties of your primary occupation because of a covered medical condition . Long term care insurance makes benefit payments to providers when you are unable to care for yourself . Claims triggers are based upon your inability to perform activities of daily living such as eating , dressing , transferring , toileting , and bathing . 