Is Long Term Care Insurance The Same As Long Term Disability? 
Nope . Long-term care insurance provides financial protection against the cost of having assistance with your daily life . For example , someone living in an assisted living facility or a nursing home has long-term care that is needed because without the assistance of others , they would not be able to live comfortably and would face difficulty getting around and taking care of themselves . Long-term care is typically most utilized by elder and retired persons . Long-term disability insurance refers to providing an income to you in the event you develop a disability that inhibits your ability to work in your field -LRB- make sure to check the definition of disability in your policy to see what qualifies as a disability - this can vary by company -RRB- . For example , if you 're a surgeon and develop a condition that affects your ability to perform surgery , that condition would affect your ability to earn an income in your field . To protect against the loss of income , a long-term disability policy would provide an income to you while you recover or transition to another occupation - again , this is where the `` definition of disability '' is critical . If you need assistance with your coverage , please feel free to send me an e-mail via the contact me button or give me a call . I 'm happy to help and there are no fees for my assistance . I hope the information is helpful - thanks very much . 