You can complete the W4S with your estimated adjusted gross income and any income tax withheld to date to determine if withholdings are recommended. You can pay the IRS directly or withhold taxes from your payment.The LTD benefit pays the employee a percentage of monthly earnings if the employee becomes disabled due to an illness, non-work related accident, or injury. Complete Form W-4 so that your employer can withhold the correct federal income tax from your pay. Give Form W-4 to your employer. Employees can combine accrued paid leave with their LTD benefit to bring their total disability benefits up to 100 percent of their pre-disability earnings. All legal Florida residents are eligible for a Homestead Exemption on their homes, condominiums, co-op apartments, and certain mobile home lots if they qualify. 4 Employee's ithholding Certificate. • The instructions for completing are included. 6. Just recently got married to a woman that is on disability income and does not file taxes on her income.