Is Disability Insurance Long Term Care Insurance? 
Disability Insurance is not the same as Long Term Care Insurance . Disability Insurance pays you a portion of your income if you are unable to work due to a disabling injury or illness . The benefit is a percent of your salary . Long Term Care Insurance pays you a cash benefit to use for your extended care needs if you meet the qualifying triggers , which include the inability to do at least two Activities of Daily Living -LRB- ADL 's -RRB- . The dollar amount of the benefit is chosen at the time you purchase the policy . 