LTD coverage replaces 60 percent of your annual base pay up to a maximum benefit payment of $15,000 per month.
So, if your base pay is $300,000 or less, you’ll have coverage that replaces 60 percent of your base pay up to $15,000 per month. However, if your base pay is over $300,000, your monthly LTD benefit will be capped at $15,000.