I am a sole member of an LLC in Connecticut. The LLC income varies greatly from year to year resulting in my K1 earnings to be anything from negative numbers to mid 6 digits. I would like to purchase a meaningful LTD insurance for myself (or company). Under the plans I know the benefits are calculated based on K1 earnings from the year proceeding the one in which the disability starts. In my case, this means that the benefits may be 0. Are there plans insuring for a fixed amount (regardless of the current income)? Alternatively, are there plans calculating benefits based on several years average? Any other possible solution? Thanks!