A disability can happen to anyone at any time. It is not something that you can typically plan for. Often standard disability insurance can leave a compensation gap for your top executives. With typical disability insurance bonus compensation and base salary above a certain maximum are not covered. Additionally, disability benefits can be subject to federal, state and local taxes. One way to make sure that your highest-paid professional have the coverage they need is by implementing disability income benefits for high earners that will have little impact on your corporate HR. With these policies you are able to support your top executives by increasing coverage maximums, protecting bonus compensation, and providing tax-free benefits.