Is Long Term Care Insurance The Same As Long Term Disability? 
No , they are two different solutions to two different problems . Long Term Care Insurance protects you when you get sick and can no longer care for yourself . It helps pay the cost of Nursing Home , Assisted Living , or Home Healthcare . These costs can be devastating to a person and the legacy he or she wants to leave behind . Long Term Disability protects a persons income should that person become disabled for a long period of time . These policies are generally used by working individuals and business owners , whereas Long Term Care is typically utilized by older adults . 