Client produced a pay stub which showed premium's were pd pretax, I know this settlement should be taxable inc. We asked the ins company and they are not reporting the settlement to the IRS or sending out any third party W-2 or 1099 Misc  to the client nor are the lawyers the client hired to represent her. The client feels uncomfortable not including the inc , should I include it anyway and just add it as other inc, is there something I am missing as to why they aren't reporting the settlement. Any help welcome.