[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-301794-105":53,"doc-detail-301794-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","individual-disability-insurance-proof-of-income-what-to-submit","Individual Disability Insurance - Proof of Income What to Submit","","Proof of income documentation is required for most individual disability insurance applications. Requirements vary depending on the applicant’s entity type, including students and residents, non-owner employees, and multiple business ownership structures such as sole proprietorships, corporations, partnerships, and LLC/LLPs. The guidance lists which personal tax returns, schedules, W-2s, and business tax forms must be provided, where available. The Standard may request additional financial information and require at least two years of tax returns for certain qualification scenarios and income types.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/individual-disability-insurance-proof-of-income-what-to-submit/301794/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/individual-disability-insurance-proof-of-income-what-to-submit/301794.png","ImageObject",442,249,{"name":88,"@type":89},"Felix Montgomery","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-25","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":9},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"Why is proof of income required for individual disability insurance applications?","Question",{"text":108,"@type":109},"Proof of income is required for most applications, and the documentation helps determine eligibility based on the applicant’s earned income and entity type.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What documentation is required for non-owner employees?",{"text":113,"@type":109},"Provide a completed 1040 for the most recent year with all schedules, statements, and W-2s; or, if income is salary only, provide a copy of the most recent paystub.",{"name":115,"@type":106,"acceptedAnswer":116},"How do business entity types affect which tax documents are required?",{"text":117,"@type":109},"Different ownership structures require different forms and supporting schedules, such as schedule C for sole proprietors or specific corporate and partnership tax forms for other entity types.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},301794,1790325935,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":79,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},549768064778,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Individual Disability Insurance  \nProof of Income What to Submit  \nProof of income is required for most individual disability insurance applications. The required documentation depends on if you own a business, and if so, what type of entity.  \n| Entity | Documentation for\u003Cbr>\u003Cbr>Personal Individual Disability Insurance\u003Cbr>Business Overhead Protector®\u003Cbr>Business Equity\u003Cbr>ProtectorSM |  |  |\n| --- | --- | --- | --- |\n| Students, Residents, New Professionals | Not required unless requested by the underwriter | For new-in-practice professionals, please contact your insurance representative | Not available |\n| Non-owner employee | Complete form 1040 for most recent year including all schedules, statements and W-2s OR if income is from salary only, provide a copy of most recent paystub | Not available | Not available |\n\nBusiness Entities  \nOwner of Sole Proprietorship  \nC Corporation Owner  \nS Corporation Owner  \nPartnership  \nLLC or LLP  \n| Complete form 1040 and schedule C | Schedule C from personal tax return |\n| --- | --- |\n| Complete W-2s. Business tax form 1120 required if 20% + owner | Business tax\u003Cbr>form 1120 |\n| Complete 1040, W-2s and schedule E OR corporate tax form 1120S, schedule K-1 and W-2s | Business tax\u003Cbr>form 1120S |\n| Complete form 1040 OR partnership form 1065, schedule K-1 | Business tax\u003Cbr>form 1065 |\n\nThe tax return filed for the LLC or LLP. See appropriate business entity above.  \nNot available  \n2 years’complete business tax returns  \n2 years’complete business tax returns  \n2 years’complete business tax returns  \n2 years’complete business tax returns  \nThe Standard reserves the right to request additional financial information and to limit or modify the coverage amount offered regardless of earned income, other financial information or other insurance in force. A minimum of two years’ tax returns are required for some occupations to qualify for an occupation class, for business owners applying for the Business Owner Upgrade, Business Owner Discount or Earned Income Enhancer or for bonus or commission income to be considered.  \nThe Standard is a marketing name for StanCorp Financial Group, Inc. , and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 333 Westchester Avenue, West Building, Suite 300, White Plains, New York. Product features vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.  \nStandard Insurance Company The Standard Life Insurance Company of New York  \n[standard.com](standard.com)  \n21469 (11/20) SI/SNY","cbCaipso54eo730e","https://ap.wps.com/l/cbCaipso54eo730e","pdf",61486,"English","# Proof of Income What to Submit\n## Documentation requirements by entity type\n## Business entities and required tax forms\n## Additional information and qualification rules","[{\"question\":\"Why is proof of income required for individual disability insurance applications?\",\"answer\":\"Proof of income is required for most applications, and the documentation helps determine eligibility based on the applicant’s earned income and entity type.\"},{\"question\":\"What documentation is required for non-owner employees?\",\"answer\":\"Provide a completed 1040 for the most recent year with all schedules, statements, and W-2s; or, if income is salary only, provide a copy of the most recent paystub.\"},{\"question\":\"How do business entity types affect which tax documents are required?\",\"answer\":\"Different ownership structures require different forms and supporting schedules, such as schedule C for sole proprietors or specific corporate and partnership tax forms for other entity types.\"}]","Individual Disability Insurance - Proof of Income What to Submit | PDF",1789785479]