answer:You’re still too young to worry about long term care insurance. Get the extra disability and revisit this in ten or fifteen years. Disabilities are more likely to allow you to remain home. Disabilities are more likely to last years. Nursing home stays tend to last a year at the longest, and also usually end up being the last place you stay. If your long term care policy includes home care, that’s better and you might use it for longer, but pay attention to how long the benefits last. The main purpose for these forms of insurance is to protect assets and income, usually so you can take care of dependents. If you don’t have any children to take care of, that reduces the need. There are also other ways to protect assets, I would think, such as creating separate accounts. So bottom line, I’d lean towards more disability and hold off on the ltc for a while.