It depends on the total amount of the social security, and if you continue to receive any of the employers LTD insurance company's payments to make up the difference in your LTD amount (SSD is generally less, and many LTD companies make up the difference). I've been on SSD for 2 years, and off work on LTD for 3 years. There's a form in the tax book that helps you figure out what you would owe- as long as it's less than 25,000.00 after doing their little worksheet, you don't have to pay taxes. After 2 years, you also get on Medicare, and that does take out the part B payment, as well as any drug plan you choose, and supplement (highly recommended). You end up with less of your SSD, but have insurance (basically) and a drug plan (highly helpful). Your state insurance board will know what companies offer plans to people on Medicare with disabilities.