Is Long Term Care Insurance The Same As Long Term Disability? 
Long term care insurance and long term disability insurance are separate and different products to solve two different types of problems . Long term disability insurance should be purchased when starting your career . These policies protect your income by paying you the policyholder up to 70 % of your monthly income if you are ever injured or ill to a point where you are no longer able to work at your current occupation which you have been educated and trained to do . Long term care insurance should be purchased later in life usually 50s or 60s . These policies are designed to pay for help in your golden years . They usually start when a person can no longer take care of themselves at home . These policies progress with the patient from home care to assisted living to finally a nursing home . This allows a person to be cared for without liquidating their entire estate and be able to leave their estate to their loved ones . 