WA PFML - does this sound right?

WA PFML's 1099-G guide for people who received family leave:

https://paidleave.wa.gov/app/uploads/2022/01/2022.12.1099s-insert.pdf

This makes it sound like the full amount they received is taxable, unless I am mistaken.

 

But I received this advice regarding my WA PFML medical leave (not family leave, no 1099-G issued) and wanted to confirm before I finalize my tax return:

 

"Generally if you pay for the insurance on post-tax dollars, then it would not be taxed when you receive the benefits. If you only paid a portion, or your employer paid all of the insurance premiums, then a portion or all of the benefits you receive are taxable income. According to the Washington State Department of Labor and Industries, an employer pays 26.78% and the employee pays 73.22%. Due to the fact that there is no guidance from the IRS on whether the benefits you receive for PFML are taxable or not, I would be more conservative in reporting it as taxable income. If you paid the premiums on post-tax dollars, then you may want to only include 26.78% of the benefits paid. If they were paid on a pre-tax basis, then all the benefits paid I would report as income."

 

Do you agree with this?


Thank you.