LTD coverage replaces 60 percent of your annual base pay up to a maximum benefit payment of $12,000 per month.
So, if your base pay is $240,000 or less, you’ll have coverage that replaces 60% of your base pay up to $12,000 per month. However, if your base pay is over $240,000, your monthly LTD benefit will be capped at $12,000.