You may apply for a monthly long term disability benefit in multiples of $50 from $300 to $1,000 per month and after that in multiples of $100 up to the lesser of $5,000 or 60 percent of your monthly pre-disability earnings. Your long term disability benefit will be reduced by deductible income.

The Maximum Monthly Benefit Amount from All Sources is the most you could expect to receive from the combination of long term disability benefits plus all other sources of deductible income, such as Social Security, employer's retirement plan, and workers' compensation.

The cost of coverage depends on the amount of monthly benefit you elect and for which you are eligible. You can calculate your Maximum Monthly Benefit Amount by taking your annual salary multiplied by 60 percent; divided by 12 (months), then rounded down to the nearest $100. You may select any amount shown up to the lesser of your Maximum Monthly Benefit Amount or $5,000. You pay the full rate.