Client is earning $400,000 a year now. His group DI will pay 60% to a max of $10,000 a month. Individual DI will pay 50% to its max. Assume he purchases individual DI coverage for another $10,000 a month. If the client is still earning $30,000 a month at moment of disability. The Group will cover its $10,000 (60% of 30,000 is $18,000, max out is $10,000) Under this situation, how much will the individual DI Carrier Pay? I am guessing they will only pay $5,000 a month (50% of $30,000 less the group benefit amount). If the client was earning $40,000 a month, how much would they pay?