Disability insurance is typically paid for by the individual who wants coverage. However, in some cases, employers may offer disability insurance as part of their employee benefits package and cover the cost of the premiums. It's important to note that the specifics of who pays for disability insurance can vary depending on the type of policy and the terms agreed upon between the individual and the insurance provider. To get a more accurate answer, it's recommended to consult with an insurance agent or review the terms of the specific disability insurance policy in question.