Is Disability Insurance The Same As Long Term Care? 
Actually , long term disability insurance and long term care insurance are not the same type of policy nor do they cover the same things . Disability insurance is to replace a percentage of your income when you have an illness or injury so severe you can no longer work . Long term care insurance is primarily for your aging years to cover home health , assisted living and nursing homes when you are no longer able to take care of yourself . Long term disability insurance should be purchased at a young age as soon as you go to work earning a wage . Long term care insurance should be purchased between your late 50s or early 60s . 