In the case of long term Disability Insurance, the responsibility for payment typically falls on the employer. Many employers offer long term disability insurance as part of their employee benefits package, and they are often the ones who pay the premiums for this coverage. However, in some cases, employees may also contribute to the cost of long term disability insurance through payroll deductions. It's important for individuals to review their employment contracts and benefits documentation to understand the specifics of their long term disability insurance coverage and who is responsible for paying for it.