What Is Best Disability Insurance? 
Either you are referring to the best disability insurance company or the best defensive planning techniques using disability insurance . There are several excellent disability companies in the disability market place . One of the best is The Standard . The best defensive planning techniques using disability insurance is to determine if you can expense the premium as a business deduction and apply for 80 % of your compensation . While it is true that any benefits received will be subject to ordinary income tax , a deduction today is worth the risk of taxable event in the future . Nondeductible disability protects up to 60 % of your compensation with tax free distribution of benefits . If youre in a high tax bracket , the spread in benefits -LRB- 80 % versus 60 % -RRB- and the savings in the annual deduction are incentives to expense the premium if you have a legitimate business . Keep in mind that you can also buy disability insurance to cover your qualified plan contributions as well . 