Helaina was just hired by Acme Corporation and has decided to purchase disability insurance. This insurance promises to pay her weekly benefits to replace her salary should she be unable to work because of disability. Disability insurance is also available through Acme as part of its compensation plan. Acme pays these premiums as a nontaxable fringe benefit, but the plan promises to pay about 10 percent less in benefits. If Helaina elects to have Acme pay the premiums, then her compensation will be reduced by an equivalent amount. Should tax considerations play a role in Helaina’s choice to buy disability insurance through Acme or on her own? Explain.