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Taxation of Long-Term Disability Benefits. In general, if the premiums for your LTD policy were paid for with before-tax dollars (as is almost always the case with an employer-provided group plan), your LTD benefits are taxed as ordinary income to you.
View the Hartford Short Term Policy. Long-Term Disability â You must be disabled for at least 180 calendar days before you can receive your monthly disability insurance benefit. How Long Will My Benefits Continue? Short-Term Disability â Up to 22 weeks, as long are you remain disabled. Long-Term Disability â For as long as you remain disabled, or until you reach your Social Security Normal Retirement Age. Enrollment Period. Your initial enrollment period is within 31 days of your new hire date.