Base pay the plan counts, usually without bonus

Your pay slip or benefits portal says whether the deduction is pre-tax

From your plan summary

From your plan summary; 0 if none

More optionsNow: Short-term disability: share of pay 60% · Short-term disability: weekly maximum $1,030 · Social Security disability you expect, a month $0 · Your after-tax share of the premium, for a split plan 30% · Tax filing status Single

Your my Social Security statement shows it; plans subtract it

Over the 3 policy years before this one

Example, not your result yet· change a figure to see yours

Long-term disability in hand, a month

$2,822

67% of your take-home pay

Take-home pay now, a month$4,199
Long-term disability before tax, a month$3,000
Federal income tax on it, a month$178
Short-term disability, a week before tax$692
Short-term disability, a week after tax$556

Federal income tax with the 2026 brackets and standard deduction; fully taxable because the premium is paid by my employer. State tax left out. Payroll tax applies to employer-funded benefits for the first 6 calendar months.

How this is computed
The same plan, by who pays the premium: long-term disability in hand each month, after federal income tax
Premium paid byBenefit isIn hand a month
My employerfully taxable$2,822
Me, by pre-tax payroll deductionfully taxable$2,822
Me, by after-tax payroll deductiontax-free$3,000
Both: employer and my after-tax share70% taxable$2,924
Me, an individual policytax-free$3,000

US Disability Calc · 2026 federal tax rules · an estimate, your plan decides