Alex accepted a new job as an engineer making an after-tax income of $60,000 a year. While looking over his employee benefits materials, he discovered that the employer provides a $2,000-per-month, short-term, one-year total disability policy. When he talked with the human resources office, Alex found that he might qualify for $1,100 per month in Social Security disability benefits if he became unable to work.

a) Help Alex select from among the important disability insurance policy provisions to design a disability insurance program tailored to his needs.