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I had a current client come to me looking for a disability policy. She currently has a plan with Illinois Mutual and has had it for 6 years. She wants to switch. When she got that policy she was making 72K, now she is making 56K. If anything had happened to her on her old policy, would the benefit amount have adjusted to her new lower salary? Also, what would the disadvantages be to a client who just wants to switch carriers? Probably dumb questions but I don't do much disability.