Disability usually covers lost salary or wages.
Long Term Care means convalescent care (not acute care that is covered by health insurance or Medicare/Medicaid/Medi-Cal).
Insurance addresses the issue of WHO is going to pay the expenses should the condition occur. No insurance means your assets do.
Here is the government’s website discussing Long Term Care.
Long Term Care across the nation
There are Partnership programs now in most of the States. To learn more search for your state’s Partnership program or contact your state’s Department of Insurance.
Here are examples for California
California Partnership http://www.dhcs.ca.gov/services/ltc/Pages/CPLTC.aspx http://planningforltc.org/ & http://www.rureadyca.org/