How Much Do Employers Pay For Disability Insurance? 
In Canada , it is usually recommended that employees pay for their own group disability insurance . The reason is that if the employer pays for that portion of the group premium then the benefit -LRB- disability income -RRB- is taxable to the employee . The usual scenario has the employer and employee each paying 50 % of the total group premium . Under certain circumstances . it possible to structure individual policies where the company pays for the entire premium and deducts it as an expense . In this case the benefit -LRB- disability income -RRB- is taxable to the employee should he/she become disabled . The amount of income they could qualify for is increased to recognize the income would be taxable . The payment of the premium is not considered to be taxable benefit since the disability income is taxable . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 