Income/Benefit Ratio Guide

Annual Earned Income** ($)

Monthly Earned Income** ($)

Maximum Monthly Benefit
(All Sources) 
($)

70,000 – 72,499 5,833 – 6,042 3,900
72,500 – 74,999 6,042 – 6,250 4,000
75,000 – 77,499 6,250 – 6,458 4,100
77,500 – 79,999 6,458 – 6,667 4,200
80,000 – 82,499 6,667 – 6,875 4,300
82,500 – 84,999 6,875 – 7,083 4,500
85,000 – 87,499 7,083 – 7,292 4,600
87,500 – 89,999 7,292 – 7,500 4,700
90,000 – 92,499 7,500 – 7,708 4,800
92,500 – 94,999 7,708 – 7,917 4,900
95,000 – 97,499 7,917 – 8,125 4,900
97,500 – 99,000 8,125 – 8,333 5,000
100,000 – 102,999 8,333 – 8,583 5,100
103,000 – 105,999 8,583 – 8,833 5,200
106,000 – 108,999 8,833 – 9,083 5,300
109,000 – 111,999 9,083 – 9,333 5,400
112,000 – 114,999 9,333 – 9,583 5,500
115,000 – 117,999 9,583 – 9,833 5,600
118,000 – 121,999 9,833 – 10,167 5,800
122,000 – 125,999 10,167 – 10,500 5,900
126,000 – 129,999 10,500 – 10,833 6,000
130,000 – 133,999 10,833 – 11,167 6,100
134,000 – 137,999 11,167 – 11,500 6,300
138,000 – 141,999 11,500 – 11,833 6,400
142,000 – 145,999 11,833 – 12,167 6,500
146,000 – 149,999 12,167 – 12,500 6,700
150,000 – 154,999 12,500 – 12,917 6,800
155,000 – 159,999 12,917 – 13,333 6,900
160,000 – 164,999 13,333 – 13,750 7,100
165,000 – 169,999 13,750 – 14,167 7,200
170,000 – 174,999 14,167 – 14,583 7,400
175,000 – 179,999 14,583 – 15,000 7,500
180,000 – 184,999 15,000 – 15,417 7,700
185,000 – 189,999 15,417 – 15,833 7,800
190,000 – 194,999 15,833 – 16,250 8,000
195,000 – 199,999 16,250 – 16,667 8,100
200,000 – 203,999 16,667 – 17,000 8,300
204,000 – 207,999 17,000 – 17,333 8,400
208,000 – 211,999 17,333 – 17,667 8,500
212,000 – 215,999 17,667 – 18,000 8,600
216,000 – 219,999 18,000 – 18,333 8,700
220,000 – 224,999 18,333 – 18,750 8,800
225,000 – 229,999 18,750 – 19,167 8,900
230,000 – 234,999 19,167 – 19,583 9,000
235,000 – 239,999 19,583 – 20,000 9,200
240,000 – 243,999 20,000 – 20,333 9,300
244,000 – 247,999 20,333 – 20,667 9,400
248,000 – 251,999 20,667 – 21,000 9,500
252,000 – 255,999 21,000 – 21,333 9,600
256,000 – 259,999 21,333 – 21,667 9,800
260,000 – 263,999 21,667 – 22,000 9,900
264,000 – 267,999 22,000 – 22,333 10,000
268,000 – 271,999 22,333 – 22,667 10,200
272,000 – 275,999 22,667 – 23,000 10,300
276,000 – 279,999 23,000 – 23,333 10,400
280,000 – 283,999 23,333 – 23,667 10,600
284,000 – 287,999 23,667 – 24,000 10,700
288,000 – 291,999 24,000 – 24,333 10,800
292,000 – 295,999 24,333 – 24,667 11,000
296,000 – 299,999 24,667 – 25,000 11,100
300,000 – 307,999 25,000 – 25,667 11,200
308,000 – 315,999 25,667 – 26,333 11,500
316,000 – 323,999 26,333 – 27,000 11,800
324,000 – 331,999 27,000 – 27,667 11,900
332,000 – 339,999 27,667 – 28,333 12,000
340,000 – 347,999 28,333 – 29,000 12,000
348,000 – 354,999 29,000 – 29,583 12,000
355,000 – 363,999 29,583 – 30,333 12,100
364,000 – 371,999 30,333 – 31,000 12,200
372,000 – 379,999 31,000 – 31,667 12,300
380,000 – 387,999 31,667 – 32,333 12,400
388,000 – 395,999 32,333 – 33,000 12,500
396,000 – 403,999 33,000 – 33,667 12,600
404,000 – 411,999 33,667 – 34,333 12,700
412,000 – 419,999 34,333 – 35,000 12,900
420,000 – 427,999 35,000 – 35,667 13,000
428,000 – 435,999 35,667 – 36,333 13,200
436,000 – 443,999 36,333 – 37,000 13,400
444,000 – 451,999 37,000 – 37,667 13,500
452,000 – 459,999 37,667 – 38,333 13,700
460,000 – 466,999 38,333 – 38,917 13,900
467,000 – 472,999 38,917- 39,417 14,000
473,000 – 479,999 39,417 – 40,000 14,200
480,000 – 486,999 40,000 – 40,583 14,300
487,000 – 492,999 40,583 – 41,083 14,500
493,000 – 499,999 41,083 – 41,667 14,600
500,000 – 505,999 41,667 – 42,167 14,700
506,000 – 511,999 42,167 – 42,667 14,900
512,000 – 517,999 42,667 – 43,167 15,000
518,000 – 523,999 43,167 – 43,667 15,200
524,000 – 529,999 43,667 – 44,167 15,300
530,000 – 535,999 44,167 – 44,667 15,500
536,000 – 541,999 44,667 – 45,167 15,600
542,000 – 547,999 45,167 – 45,667 15,800
548,000 – 553,999 45,667 – 46,167 15,900
554,000 – 559,999 46,167 – 46,667 16,000
560,000 – 565,999 46,667 – 47,167 16,200
566,000 – 571,999 46,167 – 47,667 16,300
572,000 – 577,999 47,667 – 48,167 16,500
578,000 – 583,999 48,167 – 48,667 16,600
584,000 – 589,999 48,667 – 49,167 16,700
590,000 – 595,999 49,167 – 49,667 16,900
596,000 – 601,999 49,667 – 50,167 17,000
602,000 – 607,999 50,167 – 50,667 17,100
608,000 – 613,999 50,667 – 51,167 17,300
614,000 – 619,999 51,167 – 51,667 17,400
620,000 – 625,999 51,667 – 52,167 17,600
626,000 – 631,999 52,167 – 52,667 17,700
632,000 – 637,999 52,667 – 53,167 17,800
638,000 – 643,999 53,167 – 53,667 18,000
644,000 – 649,999 53,667 – 54,167 18,100
650,000 – 655,999 54,167 – 54,667 18,200
656,000 – 661,999 54,667 – 55,167 18,400
662,000 – 667,999 55,167 – 55,667 18,500
668,000 – 673,999 55,667 – 56,167 18,600
674,000 – 679,999 56,167 -56,666 18,800
680,000 – 685,999 56,667 – 57,167 18,900
686,000 – 691,999 57,167 – 57,667 19,100
692,000 – 697,999 57,667 – 58,167 19,200
698,000 – 703,999 58,167 – 58,667 19,300
704,000 – 709,999 58,667 – 59,167 19,500
710,000 – 715,999 59,167 – 59,667 19,600
716,000 – 721,999 59,667 – 60,167 19,700
722,000 – 727,999 60,167 – 60,667 19,800
728,000 – 733,999 60,667 – 61,167 20,000
734,000 – 739,999 61,167 – 61,667 20,100
740,000 – 745,999 61,667 – 62,167 20,200
746,000 – 751,999 62,167 – 62,667 20,400
752,000 – 757,999 62,667 – 63,167 20,500
758,000 – 763,999 63,167 – 63,667 20,600
764,000 – 769,999 63,667 – 64,167 20,800
770,000 – 775,999 64,167 – 64,667 20,900
776,000 – 781,999 64,667 – 65,167 21,000
782,000 – 787,999 65,167 – 65,667 21,100
788,000 – 793,999 65,667 – 66,167 21,300
794,000 – 799,999 66,167 – 66,667 21,400
800,000 – 805,999 66,667 – 67,167 21,500
806,000 – 811,999 67,167 – 67,667 21,600
812,000 – 817,999 67,667 – 68,167 21,800
818,000 – 823,999 68,167 – 68,667 21,900
824,000 – 829,999 68,667 – 69,167 22,000
830,000 – 835,999 69,167 – 69,667 22,100
836,000 – 841,999 69,667 – 70,167 22,300
842,000 – 847,999 70,167 – 70,667 22,400
848,000 – 853,999 70,667 – 71,167 22,500
854,000 – 859,999 71,167 – 71,667 22,600
860,000 – 865,999 71,667 – 72,167 22,700
866,000 – 871,999 72,167 – 72,667 22,900
872,000 – 877,999 72,667 – 73,167 23,000
878,000 – 883,999 73,167 – 73,667 23,100
884,000 – 889,999 73,667 – 74,167 23,200
890,000 – 895,999 74,167 – 74,667 23,300
896,000 – 901,999 74,667 – 75,167 23,500
902,000 – 907,999 75,167 – 75,667 23,600
908,000 – 913,999 75,667 – 76,167 23,700
914,000 – 919,999 76,167 – 76,667 23,800
920,000 – 925,999 76,667 – 77,167 23,800
926,000 – 931,999 77,167 – 77,667 23,900
932,000 – 937,999 77,667 – 78,167 24,000
938,000 – 943,999 78,167 – 78,667 24,100
944,000 – 949,999 78,667 – 79,167 24,200
950,000 – 955,999 79,167 – 79,667 24,300
956,000 – 961,999 79,667 – 80,167 24,400
962,000 – 967,999 80,167 – 80,667 24,500
968,000 – 973,999 80,667 – 81,167 24,600
974,000 – 979,999 81,167 – 81,667 24,700
980,000 – 985,999 81,667 – 82,167 24,700
986,000 – 991,999 82,167 – 82,667 24,800
998,000 – 1,000,000 83,167 – 83,333 25,000
** Earned Income is income from your medical practice (or salary if employee), after business expenses, but before income tax.
Note:  Effective June 1, 2006 the overall Disability maximum increased from $10,000 to $15,000 for insureds/applicants under age 60.  The maximum for insureds/applicants over age 60 remains at $10,000.