Is disablilty taxable with a Waiver Of Premium Rider for private disability insurance?

Most Individual Disability policies have waiver of premium once you qualify for disability benefits built into the policies. If the premiums for the policy were not deducted as a business expense then the income from the disability policy should be received tax free. If you have a group disability plan paid for by your employer then the benefits are usually taxable. In most cases you cannot purchase more than 70% of your income, in total, either in a group policy or in an individual policy or in a combination of both. The insurance companies have a schedule as to how much coverage you can buy based on your total earned income. The percentage goes down dramatically as your income increase. At $100,000 of income the total disability coverage you can purchase from all sources is around 55% of your income and for most people the maximum benefit available is around $15,000 a month and they would have to be earning over $400,000 a year to qualify for that amount of coverage. Unearned income, such as investment income, can also reduce the amount of coverage you can qualify for. I have heard it said that 1/2 the divorces in the USA are caused due to one of the spouses becoming disabled. When one loses their ability to provide for themselves through no fault of their own their personalities change and if they didn't have a quality disability program in place to help compensate they also can have major financial issues to deal with as well. That is not conducive to a happy lifestyle.