Sounds like those are fully taxed if you are paying for the policy yourself out of your own pocket. Here is a helpful link. <a rel="nofollow" target="_blank" href="
https://www.ameriprise.com/research-market-insights/tax-center/tax-planning/taxation-of-disability-i...>
The portion of LTD benefits you receive that is paid by an employer is taxable to you. Federal, state, and local taxes are withheld; Social Security and unemployment taxes are excluded.
The portion of LTD benefits you receive that is paid by you is tax-free, except if you pay with pre-tax dollars.
