disability tax rates

The tax rate will be the same that's used for your payroll withholding, essentially.  If you usually get a refund, this might make the refund a bit larger.  The only change you can make is to change the withholding allowances used (by filling out a new Form W-2).

What some people don't realize is that when you get an income tax refund, what you're getting is really a loan repayment from the government, and the loan is interest-free.  For some people, it's the only way to save money, so the lost interest isn't important;  if you have the discipline to save, or your bank can set up an automatic savings deposit each month, you can do a little better.