Is Disability Insurance The Same As Long Term Care? 
No , Disability Insurance and Long Term Care Insurance are not the same . However , they are more alike than they used to be . Disability Insurance pays you cash during each week that you are unable to work . You can use this cash in any way that you want . Long Term Care Insurance policies in the past would pay the nursing home if you were unable to care for yourself . Many newer Long Term Care policies give you the option of receiving a cash benefit to use as you wish . When it is determined that you need assistance to take care of yourself , these LTCI policies pay you cash to pay for a caregiver in your home , to pay for assisted living , or whatever arrangement works best for you . The trigger for Disability Insurance to kick in is being unable to work at your place of employment . The trigger for Long Term Care Insurance to kick in is to be unable to perform two or more ADL 's for an extended period of time . 