LTD insurance income. If the premium is waived, i.e. the employer is not paying and I am not paying, is the income taxable? I was terminated but while I was employed they paid the premiums. I know that if they were paying the premium it would be taxable.

If the company you worked for is based out of NY, then they are required to provide a LTD plan at no cost to employees and it isn't considered taxable income. In general, I do not think employer provided LTD plans are taxable, so unless you get a form in the mail, you should not concern yourself with it.

Basically, as long as you have not cashed out value (which I don't think most LTD plans even provide) and haven't used the plan, it isn't really income - it is just a pretax benefit similar to health insurance.