Is Disability Insurance Long Term Care Insurance? 
No , Disability Insurance is not the same as Long Term Care Insurance . Disability Insurance provides a benefit if you are unable to work at your job due to illness or injury . Long Term Care Insurance provides a benefit if you are unable to perform some ADL 's for an extended period of time . With LTCI , it does not matter if you have a job or not . In fact , most people are not employed when they collect Long Term Care benefits , because it takes significant impairment to trigger the payments . On the other hand , you can not get DI unless you are employed and receive a paycheck . If you have a same occupation feature on your Disability Insurance policy , it will pay you a percent of your income even if you could work at a lower paying job . 