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      Relationship risk appears when ineffective collaboration occurs. This not only damages its stability as a medium of exchange; it also reduces its effectiveness as a store of value. [54] A basic level of disability income protection is provided through the Social Security Disability Insurance (SSDI) program for qualified workers who are totally and permanently disabled (the worker is incapable of engaging in any "substantial gainful work" and the disability is expected to last at least 12 months or result in death). Long-term care insurance Main article: Long term care insurance Long-term care (LTC) insurance reimburses the policyholder for the cost of long-term or custodial care services designed to minimize or compensate for the loss of functioning due to age, disability or chronic illness.[55] LTC has many surface similarities to long-term disability insurance