Is Long Term Care Insurance The Same As Long Term Disability Insurance? 
No , actually these are two different types of insurance policies that cover two totally different events . Long term care insurance covers an individual in the event that they can no longer care for themselves . LTC pays for home health care , assisted living and nursing home care usually as a person ages . These policies should be considered in your late 50s or early 60s . Long term disability is an insurance policy that replaces earned income over a long period of time such as 10 , 20 , 30 years or age 65 or 67 years old . These policies should be purchased when the person goes to work for a living and carried until retirement age . 