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Long-Term Disability Insurance. If you are retired, you may qualify for Long-Term Care Insurance. However, to qualify for long-term disability (LTD) insurance (also known as income protection insurance) you must be employed and have income to protect.
Why consider long term care insurance? Long term care can be expensive, and at least 70% of people over 65 will need long term care services and support at some point in their lives.1 Having a plan for long term care can help you find practical and affordable ways to help pay the high costs of long term care services.hy consider long term care insurance? Long term care can be expensive, and at least 70% of people over 65 will need long term care services and support at some point in their lives.