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The way you pay your physician disability insurance premiums can drastically affect the taxes you pay when you try to collect benefit. If your employer pays for your disability insurance premiums, then the benefits you collect would be taxable. However, if pay the premiums yourself and pay taxes on them as you go, the ultimate benefit is tax free.
For more information, check out this article from MD Disability Quotes: http://www.www.mddisabilityquotes.com/blog/how-will-taxes-impact-your-physician-disability-be/