Long term disability benefits can be a vital component of an employee’s compensation package. Some employers deduct a small amount from the employee’s paycheck to pay the premiums while other plans are fully funded by the company. In addition, individual plans are available to supplement company plans or if no plan is offered. In any case, our New York disability attorneys will explain that a long term disability plan will replace a portion of a covered employee’s income for as long as they remain disabled under the definitions, exclusions, limitations and provisions of the policy.