Long term care disability insurance is a type of insurance that provides coverage for individuals who are unable to perform activities of daily living (ADLs) due to a disability. It is designed to help cover the costs associated with long term care services, such as nursing home care, assisted living, and in-home care. Unlike traditional disability insurance, which typically replaces a portion of your income if you become disabled and are unable to work, long term care disability insurance specifically covers the costs of long term care services. This type of insurance can be important for individuals who want to protect their assets and ensure they have access to quality care in the event of a disability. Long term care disability insurance policies vary in terms of the specific services covered, the benefit amount, and the length of coverage. Some policies may also offer additional features, such as inflation protection or a return of premium option. It's important to carefully review the terms and conditions of a policy before purchasing to ensure it meets your specific needs and preferences.