1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Long Term Care Insurance is for those who will need care from someone else for an extended period of time. Disability Insurance is for those who will be unable to work for an extended period of time. 

    The benefits from both now usually go to the insured person to use as they see fit. Long Term Care Insurance benefits are chosen based on the cost of skilled nursing care in that region. Disability Insurance benefits are chosen based on one's income.
    Answered on September 9, 2013
  2. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Long term care and disability insurance are both morbidity products. Long term care insurance generally pays benefits (indemnification or reimbursement) for assisted living home care and nursing home confinement care. Disability insurance pays monthly income for prolonged sickness and/or recovery time from an injury after the elimination period is satisfied.
    Answered on September 10, 2013
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