I bought my own disability insurance and deducted premiums from my taxes. Do I have to pay taxes on my disability benefits now?
Three Consecutive Years Of Paying Premiums May Entitle You To Some Tax Relief
In general, if you purchase your own disability insurance and do not write off the cost of premiums on your tax return, then any benefits you receive from the insurance proceeds are not taxable income. However, if you have not paid disability insurance premiums for at least three consecutive tax years, in most cases, your benefits will be considered taxable income.