Alain is married and the father of two young children. He owns an excavation firm. Every month, he must pay $3,000 in fixed costs including rent, equipment rental and professional liability insurance. His annual salary from his business is in the order of $80,000. What amount of monthly benefit does he need in the event of disability? $4,000 per month to replace just his income. $3,000 per month ta cover just his fixed costs. $3,000 per manth to cover his fixed costs plus $4,000 per month to replace his income. $7,000 per month to replace his income