I find that many people do not understand the key differences between disability insurance and long-term care (LTC) insurance. The most common misconception is that long-term care insurance is strictly for seniors and disability insurance is for everyone else. While there is some truth to that generalization, there are plenty of exceptions — where one product is a better solution than the other irrespective of age. Approximately 40% of those receiving long-term care are between the ages of 18-65 —