Is Disability Insurance The Same As Long Term Care Insurance? 
No , Disability insurance is not the same as long term care insurance . Disability insurance replaces part of the income that was lost by becoming disabled . The benefit is based on the Insured 's income . Long term care insurance pays for care received for extended care needs on a reimbursement basis -LRB- where the money goes to the care providers -RRB- or on an indemnity basis -LRB- where the money goes to the insured , who in turn pays the bills -RRB- . The benefit is based on the Insured 's anticipation of long term care expenses in the future in their area . 