Disability Insurance typically does not cover long term care. Disability Insurance is designed to provide income replacement if you become disabled and are unable to work. It helps to cover your living expenses and other financial obligations while you are unable to earn an income. On the other hand, long term care insurance is specifically designed to cover the costs associated with long term care services, such as nursing home care, assisted living, and in-home care. Long term care insurance helps to protect your assets and provide financial assistance for the high costs of long term care services. It's important to note that the coverage and benefits of insurance policies can vary, so it's always best to review the specific terms and conditions of your policy or consult with an insurance professional for personalized advice.