<prompt> Human: Hi rpersonalfinanceMy fiends friend, who I see someones from time to time in an insurance broker. He keeps asking me if I want insurance but I keep telling him I am in the process of looking for a better paying job and would want to wait till I find something.He told me to opt out of my employer disability insurance because its a taxed benefit because he wants to sell me an untaxed benefit. I explained the amount of taxes I pay for my employer disability insurance is about 30year and I dont see the point of opting out. Can someone bring some light to this? Is he doing this just so he can get me to sign?  <response>: For one thing I dont think hes talking about the taxes you pay on your employer providing the benefit. I think hes talking about how youll be taxed on disability earnings through this plan. I wouldnt give up a paid for disability plan because of that though. If its not enough to cover expenses if you get disabled I would look into getting more on your own but thats about it. 