Understanding Long-Term Care Insurance and Disability Insurance

Our attorneys explain the key differences

People buy insurance to plan ahead and ensure protection in certain scenarios. For example, an injury or illness could prevent them from being able to work or to take care of themselves.

Two available options are long-term care insurance and long-term disability insurance. But what are the differences between the two?

Long-term care insurance pays for some or all of the care you need if you are suffering from a physical or cognitive disability. It takes effect when you are unable to perform two of six functions of daily living – such as bathing, dressing, and toileting.

Long-term disability insurance provides you with income if an injury or illness leaves you unable to continue working. It may pay as much as 60% of your income until you reach your Social Security retirement age.

Which insurance is better?

Many experts recommend both types of insurance. But there are a lot of things to consider before buying, such as:

When you plan to retire

Long-term disability can be especially valuable if you only plan to work for 10 to 15 years more.

Your health

Pre-existing mental and physical conditions could be ground for denying coverage. That’s why it’s best to buy long-term care insurance before you think you will need it.


Both types of policies can cost thousands of dollars a year. Many factors will affect premiums, including age, health, gender, and occupation.

There may be other options available, also. For example, a hybrid policy or a life insurance policy with a long-term care rider may provide long-term care coverage. And riders to long-term disability and long-term care policies may cover the cost of living increases and home health care.

When you buy insurance, you pay your premiums regularly and you have a policy that seems pretty clear. You may think that if something happens, you will be covered—but don’t be so sure.

Insurance companies aren’t on your side

The fact is that insurance companies often deny valid claims. These companies aren’t just in business to provide insurance coverage, they are in business to make money. The more money they pay out in claims, the more it impacts their bottom line.

There is always fine print in every insurance policy that adjusters will use as a basis to deny a claim. It is usually very complex and written in a way that is difficult to understand. The insurance company is betting that you won’t challenge them and will simply accept what they are willing to pay.

That’s why it’s important to have an experienced law firm on your side. You may not think you need a lawyer for what seems like a simple insurance company claim. But a lawyer can look out for your best interests and help you move your claim forward.

Our attorneys have years of experience helping clients get the insurance benefits they deserve. We work to gain our clients’ trust and treat people with respect and dignity. We present our cases with honesty. And we have what it takes to fight for our clients in court if that’s what it takes.

You should get the coverage you paid for. If you are getting a hard time from insurance companies about disability benefits, contact us today to schedule a free consultation with an experienced attorney.