Gabriella is an IT consultant. Three years ago, she completely lost her sight as the result of an accident. Gabriella has returned to work on a part-time basis, but only earning $2,000 a month, instead of the $5,000 she made prior to her accident. She has an individual disability insurance policy that has both residual disability and presumptive disability clauses. The policy has a monthly benefit of $3500.

What amount of monthly benefit should Gabriella be receiving presently, assuming that the benefit is payable for ten years?