Is STD (Short-Term Disability) taxable income? How does it show on taxes?

Wait, so if my work offers STD as a benefit they provide (like they pay the whole premium) and I've never seen any deductions for it on my paystubs, then if I ever have to use it, it'll be fully taxable? That seems unfair somehow.

Yes, that's exactly right. If your employer pays the entire premium and you don't see any deductions for it on your paystubs, then any benefits you receive will be fully taxable. It might seem unfair at first glance, but think of it this way - you received the benefit of having insurance coverage without paying for it (no tax was paid on the premium value), so the trade-off is that you pay tax when you actually use the benefit. On the flip side, if you personally pay for STD insurance with money you've already paid taxes on, then the benefits you receive are tax-free. It's essentially a "pay tax now or pay tax later" situation.

Does this tool handle other types of income too? I have a side gig and rental property and never know if I'm doing those right on my taxes.

Idk, sounds like another tax service trying to charge money for information you can get free from the IRS website. What makes it better than just calling the IRS helpline?

It absolutely does handle other income types! I've used it for my 1099 freelance work too, and it catches deductions I would've missed. It shows you which forms you need and what goes where - super helpful for side gigs. As for why it's better than calling the IRS - have you tried calling them lately? I spent 3+ hours on hold last year and then got disconnected. This tool gives you instant answers, and it's actually using IRS rules to give you the right info. It's not about charging for free info, it's about making the complicated tax rules actually understandable for regular people.

Wait, so this service somehow gets you through the IRS phone queue faster? How is that even possible? Seems sketchy to me.

I've heard about these "skip the line" services before but they sound like a scam. No way anyone can magically get you through to the IRS faster than everyone else. The IRS phone system doesn't work that way.

It's not sketchy at all - they use an automated system that navigates the IRS phone tree and waits on hold for you. When a human IRS agent answers, you get a call back to connect with them. It's not "skipping" the line, it's just that their system is waiting in line for you instead of you having to do it yourself. It works because the IRS phone system is first-come, first-served. Claimyr is basically just holding your place in line while you go about your day. Nothing magical about it - just smart technology that saves you from being stuck listening to hold music for hours. Totally legitimate and works exactly as described.

Thanks for sharing your experience! Do you remember if your premiums were coming out of your paycheck, or did you set up the policy completely on your own outside of work?

I set up the policy completely on my own outside of work. I pay quarterly premiums directly to the insurance company, not through payroll deductions. Since I'm paying with my after-tax dollars, the benefits come to me tax-free. If your premiums come out of your paycheck, check your pay stub carefully. If the deduction happens before taxes are calculated (pre-tax), your benefits will be taxable. If the deduction happens after taxes are calculated (after-tax), your benefits won't be taxable.

Yes! Same here! My STD payments had about 22% withheld for federal taxes. I was surprised but glad they did it automatically so I didn't have a huge tax bill. Definitely check your statements.

I just double-checked my statements and you're right! There was some withholding happening. I didn't even notice that before. That makes me feel better about the potential tax impact.

This is such an important point that often gets overlooked! I had no idea about the quarterly payment option when I was dealing with my STD situation. The underpayment penalties can really add up if you're not careful. For anyone reading this who might be in a similar situation - how do you calculate how much to pay quarterly? Is there a rule of thumb for what percentage to set aside, or do you just have to estimate based on your tax bracket? I'm hoping I never need STD again, but it would be good to know for future reference.

Great question! The general rule is that you need to pay at least 90% of your current year's tax liability OR 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your AGI was over $150K last year, you need to pay 110% of last year's taxes. For STD benefits specifically, a good rule of thumb is to set aside 25-30% if you're in a middle income bracket, but it really depends on your total income and tax situation. The safest approach is to use the worksheet in Form 1040ES - it walks you through calculating exactly how much you should pay quarterly based on your expected income. You can also use the IRS withholding calculator online to get a more precise estimate. It's better to overpay slightly and get a refund than to underpay and face penalties! @4d6ba5f10f05 probably learned this lesson the expensive way.

Great question about calculating quarterly payments! The general rule is that you need to pay either 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150,000) to avoid underpayment penalties. For STD benefits specifically, a simple approach is to set aside 22-25% of your gross STD payments if you're in a middle tax bracket. You can use the IRS withholding calculator on their website to get a more precise estimate, or if you have last year's tax return handy, divide your total tax by your total income to get your effective tax rate - that's a good baseline percentage to use. The key is to make the payments by the quarterly due dates (usually Jan 15, April 15, June 15, and Sept 15) rather than waiting until you file your return. Even if you overpay a bit, you'll get the excess back as a refund, which is way better than owing penalties!

Good question! The general rule is to pay at least 90% of your current year tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For estimating quarterly payments on STD benefits, I'd suggest calculating your effective tax rate from last year's return and applying that percentage to your STD payments. So if your effective rate was 22%, set aside 22% of each STD payment. You can always adjust up or down based on your other income changes. The IRS Form 1040ES comes with a worksheet that helps you calculate the exact amount, but the "pay 100% of last year's tax" safe harbor rule is often the easiest approach. Just divide last year's total tax by 4 and pay that each quarter, regardless of your current year income fluctuations.

Great question! The general rule is to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150K) to avoid underpayment penalties. For calculating quarterly payments, I usually take my prior year's total tax owed, divide by 4, and use that as my baseline. Then if I know I have additional income (like STD benefits), I estimate the extra tax on that income and add it to my quarterly payments. So if you owed $8,000 in taxes last year, you'd want to pay at least $2,000 per quarter. If your STD benefits are $10,000 and you're in the 22% bracket, you might add another $550 per quarter ($2,200 ÷ 4) to cover the extra tax. It's better to overpay slightly and get a refund than to underpay and face penalties! The IRS Form 1040ES worksheet walks you through the exact calculation, but this gives you a rough starting point.

Great question! The general rule is you need to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your adjusted gross income was over $150,000, you need to pay 110% of last year's taxes. For estimating quarterly payments on STD benefits, I usually recommend setting aside 25-30% of the gross benefit amount if you're in a middle tax bracket. But honestly, the safest approach is to use the IRS Form 1040ES worksheet - it walks you through calculating exactly what you owe based on your total expected income for the year. You can also use the IRS withholding calculator online to get a more precise estimate. Better to overpay slightly and get a refund than to underpay and face penalties!

Great question! The general rule is to pay enough so that you owe less than $1,000 when you file, or pay at least 90% of the current year's tax liability (or 100% of last year's if your income was over $150K, then it's 110%). For a rough estimate, I usually recommend setting aside about 25-30% of any taxable income that doesn't have withholding, but it really depends on your overall tax situation. The IRS Form 1040ES has worksheets that help you calculate the exact amount based on your expected income and deductions. If you want to be safe and avoid any penalties, you can also just increase withholding from your regular job (if you have one) using Form W-4. Sometimes that's easier than making quarterly payments. The key is just making sure enough tax gets paid throughout the year rather than waiting until April!

Great question! For calculating quarterly payments, the general rule is you need to pay at least 90% of the current year's tax liability or 100% of last year's tax (110% if your prior year AGI was over $150k) to avoid penalties. For STD specifically, a rough estimate is to set aside 25-30% of your benefits if you're in a middle tax bracket, but it really depends on your total income picture. The safest approach is to use the worksheet in Form 1040ES - it walks you through calculating based on your expected total income for the year. You can also use the IRS withholding calculator online to get a more precise estimate. If you're getting regular paychecks from your employer alongside STD, you might be able to just increase withholding on your regular job instead of making quarterly payments, which is often easier to manage.

Great question! The general rule is that you need to pay either 90% of the current year's tax liability or 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your adjusted gross income was over $150,000 last year, you need to pay 110% of last year's liability. For estimating how much to set aside from STD payments, I'd recommend using your marginal tax rate plus any state taxes. So if you're in the 22% federal bracket and have 5% state taxes, set aside about 27-30% to be safe. You can use Form 1040ES worksheets to get a more precise calculation. The key is to make the payments by the quarterly due dates (Jan 15, April 15, June 15, Sept 15) to avoid penalties. Even if you're not sure of the exact amount, it's better to overestimate than to underpay and get hit with penalties later!

Great question! The general rule is to pay at least 90% of your current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For a rough estimate, I usually tell people to set aside about 25-30% of any taxable disability benefits if you're in a middle-income bracket, but it really depends on your overall tax situation. The safest approach is to use the IRS Form 1040ES worksheet - it walks you through calculating your expected tax liability for the year and tells you exactly how much to pay each quarter. You can also use the IRS withholding calculator online to get a better estimate. If you're getting substantial STD benefits, it might be worth consulting with a tax professional to make sure you're covered. The peace of mind is worth the small cost compared to dealing with penalties later!

Great question! The general rule is to pay at least 90% of your current year's tax liability or 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For estimating quarterly payments on STD benefits, I usually recommend setting aside about 25-30% of the gross benefit amount if you're in a middle tax bracket. This covers federal income tax plus any state taxes. You can use Form 1040ES worksheets to get a more precise calculation based on your specific situation. The key is to act quickly once you know the benefits are taxable - don't wait until the end of the year. If you received $6,400 like the original poster, setting aside around $1,600-$1,900 for taxes throughout the year would probably keep you safe from penalties. Better to overpay slightly and get a refund than to owe penalties!

Great question! The general rule is to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your adjusted gross income was over $150k last year, you need to pay 110% of last year's tax. For a rough estimate, I usually tell people to set aside about 25-30% of any taxable income that doesn't have withholding, but it really depends on your total income and tax bracket. The safest approach is to use Form 1040ES - it walks you through the calculation based on your specific situation. You can also use the IRS withholding calculator online to get a more precise estimate. If you're getting substantial STD benefits, it's definitely worth spending 30 minutes to run the numbers rather than getting hit with penalties later!

Good question! The general rule is to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For STD specifically, I'd recommend taking your total expected STD benefits, multiply by your marginal tax rate (probably 22% or 24% for most people), and then divide by 4 for quarterly payments. So if you expect $10k in STD benefits and you're in the 22% bracket, set aside about $550 per quarter ($2,200 total / 4). You can also use the IRS Form 1040ES worksheet - it walks you through the calculation step by step. And if you're already having taxes withheld from the STD payments, factor that in so you don't overpay. Better to be safe than sorry with the IRS!

Great question! The general rule of thumb is to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150,000) to avoid underpayment penalties. For estimating quarterly payments with STD benefits, I'd suggest calculating your effective tax rate from last year and applying that percentage to your STD payments. So if your effective rate was 22%, set aside about 22% of each STD payment. You can always adjust up or down based on your withholdings from other income sources. The IRS Form 1040ES worksheet walks you through the calculations step by step, but honestly, it can be pretty confusing. If you're dealing with significant STD income, it might be worth consulting a tax professional for that year to make sure you're on track. Better to pay a small fee for advice than get hit with penalties later!

Great question! The general rule is to pay enough so that you either owe less than $1,000 when you file, or pay at least 90% of the current year's tax liability (or 100% of last year's if your AGI was over $150K, then it's 110%). For estimating, I usually calculate my effective tax rate from the previous year and apply that percentage to any new taxable income like STD benefits. So if your effective rate was 22%, set aside about 22-25% of your STD payments to be safe. The IRS Form 1040ES has worksheets that walk you through the calculation, but honestly it can get pretty complex with multiple income sources. One thing that helped me was using tax software to run a "what if" scenario - I'd plug in my expected income including the STD benefits to see what I might owe, then divide that by 4 for quarterly payments. Much easier than trying to do the math manually!

Great question! The general rule is to pay enough so that you don't owe more than $1,000 when you file (or meet the safe harbor rule of paying at least 90% of current year taxes or 100% of last year's taxes, whichever is smaller). For estimating quarterly payments on STD benefits, I usually recommend setting aside about 25-30% of the gross benefit amount if you're in a middle tax bracket. This covers federal income tax plus any state taxes. If you're in a higher bracket or have other income sources, you might need to set aside more. The easiest approach is to look at your effective tax rate from last year's return and use that percentage. So if your overall tax rate was 22% last year, set aside at least 22% of your STD benefits for taxes. You can always adjust the next quarter if it seems like too much or too little. Form 1040ES comes with a worksheet that walks you through the calculation, but honestly, it can be pretty confusing. When in doubt, it's better to overpay slightly than to underpay and face penalties!

Great question! The general rule is to pay at least 90% of your current year tax liability or 100% of last year's tax liability (whichever is smaller) to avoid penalties. If your adjusted gross income was over $150k last year, you need to pay 110% of last year's liability. For STD specifically, I'd suggest taking your gross STD benefits, multiplying by your marginal tax rate (probably 22% or 24% for most people), and then subtracting whatever was already withheld. Divide that by 4 for quarterly payments. So if you got $20k in STD benefits, you're in the 22% bracket, and they withheld 10%, you'd owe roughly $2,400 more in taxes ($20k × 22% - $2k already withheld). Split that into $600 quarterly payments to be safe. The IRS website has a withholding calculator that can help you get more precise numbers based on your total income situation.

Great question! The general rule is to pay at least 90% of the current year's tax liability or 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your AGI was over $150k last year, you need to pay 110% of last year's taxes. For estimating quarterly payments on STD benefits specifically, I'd recommend calculating your effective tax rate from last year's return and applying that percentage to your STD payments. So if your effective rate was 22%, set aside about 25-30% of your STD benefits to cover federal taxes plus any state taxes and give yourself a small buffer. The IRS Form 1040ES includes worksheets to help calculate this, but honestly, when I was dealing with irregular income like STD payments, I found it easier to just set aside about 25-30% of each payment in a separate savings account earmarked for taxes. Better to overpay slightly and get a refund than to underpay and owe penalties!

Great question! The general rule is to pay 25% of your federal income tax rate plus your state rate (if applicable) to be safe. So if you're in the 22% federal bracket, set aside about 25-30% of your STD payments for taxes. A more precise way is to use the IRS safe harbor rule - if you pay either 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k), you won't owe penalties even if you end up owing some tax when you file. You can also use the IRS withholding calculator online to get a better estimate based on your specific situation. It factors in your other income, deductions, and current withholding to tell you if you need to make estimated payments and how much.

Great question! The general rule is that you need to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For estimating quarterly payments on STD benefits, I usually recommend setting aside 22-25% of your gross STD payments if you're in a middle tax bracket. You can get more precise by looking at your marginal tax rate from last year's return and adding a small buffer. The IRS Form 1040ES worksheet walks you through the calculation, but honestly, it's pretty complex. A simple approach is to take your total expected STD benefits for the year, multiply by your expected tax rate, subtract any withholding that's already happening, then divide by 4 for quarterly payments. Better to overpay slightly and get a refund than to underpay and face penalties!

Good question! The general rule is to pay 25% of your federal tax rate plus your state rate if applicable. So if you're in the 22% federal bracket, set aside about 25-30% total. But here's an easier approach - the IRS says you won't owe penalties if you pay at least 90% of the current year's tax liability OR 100% of last year's tax (110% if your prior year AGI was over $150k). So look at last year's total tax, divide by 4, and that's your quarterly payment amount. Any STD income just gets added to your regular tax calculation. You can also use the IRS withholding calculator online - it accounts for irregular income like STD benefits and tells you exactly how much to pay quarterly. Way better than guessing and potentially owing penalties later!

Great question! The general rule is to pay at least 90% of your current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For a rough estimate, I usually tell people to set aside about 25-30% of any unexpected taxable income like STD benefits, but it really depends on your overall tax situation and bracket. If you're already maxing out your tax bracket, you might need to set aside even more. The safest approach is to take your STD benefit amount, multiply it by your marginal tax rate (you can find tax bracket tables online), and then divide by 4 to get your quarterly payment amount. Or you can use the worksheet in Form 1040ES - it walks you through the calculation step by step. Better to overpay slightly and get a refund than to owe penalties!

Great question! The general rule is to pay at least 90% of the current year's tax liability or 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your AGI was over $150k last year, you need to pay 110% of last year's taxes. For STD specifically, a rough rule of thumb is to set aside 22-25% of your benefits if you're in a typical middle-income tax bracket, but it really depends on your total income picture. The safest approach is to look at your last tax return, see what your effective tax rate was, and apply that percentage to your STD benefits. You can also use the IRS Form 1040ES worksheet - it walks you through calculating exactly how much you should pay quarterly based on your expected total income for the year. Better to overestimate slightly than get hit with penalties! @4d6ba5f10f05 probably learned this the hard way, unfortunately.

Great question! For calculating quarterly payments, the general rule is you need to pay either 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k), whichever is smaller. For STD benefits specifically, a rough rule of thumb is to set aside 22-25% of your gross STD payments if you're in a typical middle-income bracket. But honestly, the safest approach is to use the worksheet in Form 1040ES - it walks you through calculating exactly what you should pay based on your specific situation. You can also use the IRS withholding calculator online (irs.gov/individuals/tax-withholding-estimator) and input your STD income to get a more precise estimate. It's definitely worth spending a little time on the calculation upfront to avoid those penalty surprises later!

Great question! The general rule is to pay 25% of your marginal tax rate if you're not sure. So if you're in the 22% bracket, set aside at least that much from each STD payment. But honestly, the safest approach is to use the "safe harbor" rule - if you pay 100% of last year's total tax liability (or 110% if your AGI was over $150k) through withholding and estimated payments, you won't owe penalties even if you end up owing more. You can also use the IRS withholding calculator online or consult with a tax professional to get a more precise estimate. The key is not to wait until tax season to figure it out - do the math when you start receiving the benefits so you can stay ahead of it!

Great question! For calculating quarterly payments, the general rule is you need to pay at least 90% of the current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150k) to avoid underpayment penalties. For a rough estimate, I usually recommend setting aside 25-30% of any taxable disability benefits if you're in a middle income bracket, but it really depends on your total income picture. The IRS Form 1040ES has worksheets that walk you through the calculation based on your specific situation. You can also use the "safe harbor" rule - if you pay 100% of what you owed last year divided by 4 quarterly payments, you won't owe penalties even if you end up owing more. It's better to overestimate and get a refund than to owe penalties! The IRS website has some decent calculators too if you want to get more precise with your estimates.

Great question! The general rule is to pay enough so that you owe less than $1,000 when you file, or pay at least 90% of the current year's tax liability, or 100% of last year's tax liability (110% if your prior year AGI was over $150,000). For STD benefits specifically, a rough rule of thumb is to set aside 20-25% if you're in a middle tax bracket, but it really depends on your total income picture. The safest approach is to take your STD benefit amount, multiply it by your marginal tax rate, and divide by 4 for quarterly payments. You can also use Form 1040ES which has worksheets to help calculate the right amount, or the IRS has an online withholding calculator that can factor in irregular income like STD benefits. If you're unsure, it's better to overpay slightly than to underpay and face penalties!

Great question! The general rule is to pay 25% of the current year's tax liability in quarterly payments, or 100% of last year's tax liability (110% if your prior year AGI was over $150k). For estimating what to set aside from STD benefits specifically - if you know your marginal tax rate, that's a good starting point. So if you're in the 22% bracket, setting aside about 25-30% of your STD benefits should cover federal taxes plus a little buffer. Don't forget state taxes if applicable! The safest approach is to use the worksheet in Form 1040ES - it walks you through calculating exactly what you should pay based on your expected income for the year. You can also increase withholding from your regular job if you go back to work before year-end, which sometimes is easier than making separate quarterly payments.

Great question! The general rule of thumb is to pay at least 90% of the current year's tax liability or 100% of last year's tax liability (110% if your prior year AGI was over $150k), whichever is smaller. For calculating quarterly payments with STD benefits, I'd suggest taking your total expected STD income for the year, multiplying by your marginal tax rate (plus state taxes if applicable), and dividing by 4. So if you expect $10k in taxable STD benefits and you're in the 22% bracket, that's roughly $550 per quarter just for the STD portion. You can use Form 1040ES worksheets to get more precise calculations, or many tax software programs have quarterly payment calculators. The key is to not wait until year-end - those underpayment penalties start accruing from each quarterly due date (April 15, June 15, Sept 15, Jan 15).

Great question! The general rule is to pay at least 90% of the current year's tax liability or 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your adjusted gross income was over $150,000 last year, you need to pay 110% of last year's taxes. For STD benefits specifically, I usually recommend setting aside 25-30% of the gross benefit amount if you're unsure of your exact tax bracket. This covers federal taxes plus a buffer for state taxes if applicable. You can always adjust up or down based on your specific situation. The IRS Form 1040ES has worksheets that help you calculate the exact amount, but honestly, those worksheets can be pretty confusing. If you're dealing with a significant STD claim, it might be worth consulting with a tax professional to get the calculations right and avoid any surprise penalties.

Great question! The general rule is to pay enough so that you owe less than $1,000 when you file, or pay at least 90% of the current year's tax liability (or 100% of last year's tax if your AGI was over $150K, then it's 110%). For a rough estimate, I usually tell people to set aside about 25-30% of any taxable disability benefits if you're in a middle income bracket. But honestly, the safest approach is to use the IRS Form 1040ES worksheet - it walks you through the calculation based on your specific situation. You can also adjust your regular job's withholding using a new W-4 to account for the extra income from STD benefits. Sometimes that's easier than making quarterly payments. The IRS withholding calculator on their website is actually pretty helpful for figuring out the right amount.

Great question! The general rule is to pay at least 90% of your current year's tax liability OR 100% of last year's tax liability (110% if your prior year AGI was over $150K) to avoid underpayment penalties. For STD specifically, I'd recommend calculating your effective tax rate from last year and setting aside at least that percentage from each STD payment. So if you were in the 22% bracket, try to save 25-30% to cover federal, state, and any potential bracket bumps. The Form 1040ES instructions have worksheets that help you estimate, but honestly, when I was dealing with this, I just used one of those online quarterly payment calculators and erred on the side of paying a bit extra. Better to get a small refund than owe penalties! You can also adjust your regular job's withholding using Form W-4 to compensate if that's easier than making separate quarterly payments.

Great question! The general rule for quarterly payments is to pay 25% of your expected annual tax liability each quarter, or you can use the "safe harbor" rule - pay 100% of last year's tax liability (110% if your prior year AGI was over $150k) divided by 4. For STD specifically, a rough rule of thumb is to set aside 22-25% of your gross STD benefits if you're in a typical middle-income tax bracket. But it really depends on your total income for the year and what tax bracket that pushes you into. The IRS Form 1040ES has worksheets that help you calculate the exact amount, but honestly, I found it pretty confusing when I was dealing with it. If you're receiving substantial STD benefits, it might be worth talking to a tax professional to make sure you're setting aside the right amount. The peace of mind is worth the consultation fee compared to getting hit with penalties later!

Great question! The general rule is to pay at least 90% of the current year's tax liability or 100% of last year's tax liability (whichever is smaller) to avoid underpayment penalties. If your adjusted gross income was over $150,000 last year, you need to pay 110% of last year's taxes. For STD benefits specifically, a rough estimate is to set aside 22-25% if you're in a middle income bracket, but it really depends on your total income and tax situation. The safest approach is to look at your last year's total tax liability, divide by 4, and make those quarterly payments. You can also use the IRS Form 1040ES worksheet - it walks you through the calculation step by step. If you're getting substantial STD benefits, it might be worth talking to a tax professional to make sure you're not underpaying. The peace of mind is worth it!