John Savage is a 35-year-old accountant who earns $72,000 per year. His monthly take-home pay is $4,500. His wife Jessica works part-time at their church but has no employee benefits. John's firm has a group short-term disability plan,which will provide him with 65% of his gross monthly pay for2 years only. What would you advise John regarding his potential need for additional disability insurance, including the type, amount of benefits, or other policy provisions? No plagiarism.