Is Long Term Care Insurance The Same As Long Term Disability Insurance? 
Long Term Care Insurance exists to pay for the care needed when the insured persons can no longer take care of themselves . To receive a long term care benefit , they must show that they can not do at least two ADL 's -LRB- activities of daily living -RRB- on their own , and it is usually required that the condition is anticipated to last for at least 90 days . It also will pay due to cognitive impairment that interferes with the ability to care for themselves . Disability Insurance does not require that you can not care for yourself in order to start receiving benefits . It just requires that you can not do your job . While Long Term Care benefits are chosen based on the cost of health care in that region , Disability benefits are based on the income brought in by your job . 