Disability insurance and long term care insurance are two separate types of insurance with different coverage. Disability insurance is designed to provide income replacement if you become disabled and are unable to work. It typically pays a percentage of your pre-disability income for a specified period of time. On the other hand, long term care insurance is specifically designed to cover the costs of long term care services, such as assistance with activities of daily living, in a variety of settings including your own home, assisted living facilities, or nursing homes. Long term care insurance can help cover the costs of services that are not typically covered by health insurance or Medicare. However, disability insurance generally does not cover long term care expenses. It is important to review the specific terms and conditions of your disability insurance policy to understand what is covered and what is not. If you are concerned about long term care expenses, it may be worth considering a separate long term care insurance policy or exploring other options for covering these costs.