Jump to content

LTD insurance policies in qualified plan -- premiums taxable to partic


Guest LOhmer

Recommended Posts

Guest LOhmer
Posted

I recently read an article regarding LTD Insurance policies in qualified plan. The article made the point that the premium would taxable to the participant.

I have not been able to locate any IRS reg or publication on this issue. I assumed the author is making an interpretation from how PS58 cost for Life Insurance is handled. However their is a table to calculate the taxable portion of the Life Insurance premium.

If anyone has any knowledge of an IRS publication on the taxability of the LTD Premium, I would appreciate any help.

Guest BobParks
Posted

Tax Facts 1 Q. 328 "To what extent can a qualified plan provide life or health insurance benefits for its participants?" may have the answer you are looking for.

Posted

Just a comment...

If I were the participant, I would want the premiums to be taxable. It seems to me that if they are not taxable, then any benefit payments I receive under the LTD Plan WOULD be taxable - and that could be a disaster from a tax perspective.

Archived

This topic is now archived and is closed to further replies.

×
×
  • Create New...

Important Information

Terms of Use