It can be confusing trying to figure out the amount of Long Term Disability Insurance benefits the insurance company should pay. Here is a brief outline of how the amount is commonly determined.
Step 1.-Figure out your base monthly income. (Take your yearly income and divide by 12. Beware however-commonly excludes overtime and bonuses.)
Step 2. Multiply by the benefit percentage listed in the Insurance Policy. Commonly 66 2/3%. (However, I have seen many other rates from 40-70%.)