It’s important to note that long-term care insurance is NOT disability insurance. Long-term care insurance helps people pay for assistance with daily living activities (i.e. eating, bathing, dressing) because they are unable to perform those activities themselves due to an illness, injury or old-age. Disability insurance provides you with a partial replacement of your income for a specified amount of time while you are unable to work, or if you are forced to find a job paying less due to your disability. For more information on disability insurance, click here.