I was thinking about disability insurance but I figure it is basically the same thing.
Disability isurance is most definitely NOT the same thing as long term care insurance.
To my knowledge one is far more likely to need disability insurance than LTC insurance. LTC only pays for expenses incurred by events covered by the policy for such things as assisted living or nursing home care up to the limits of the policy. Like fire insurance it's good to have but you hope you never need it.
Disability insurance covers all or a portion of income lost because of a disability. For example if you fall off a ladder hanging holiday lights and injure your back and are therefor unable to work, disability insurance will pay you an amount that is agreed upon in the contract for the specified period of time. So if you don't have sick leave or exhaust the leave you do have, disability insurance will allow you to continue making your house and/or car payments, keep the heat and lights on, buy food and the like without having to withdraw from savings, if one has any.
LTC and disability insurance are two distinct and entirely separate entities covering two separate and distinct hazards to your finances. One has nothing to do with the other.