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Kaitlyn earns $60,000 annually and has a disability insurance (DI) policy with a residual disability clause. The policy pays $3,500 per month, has a 0-day

Kaitlyn earns $60,000 annually and has a disability insurance (DI) policy with a residual disability clause. The policy pays $3,500 per month, has a 0-day waiting period, and a 5-year benefit period. Kaitlyn becomes injured and qualifies for disability payments under the terms of her policy. 12 months later, she returns to work on a part-time basis, earning 25% of her pre-disability income. Kaitlyn continues working part-time for 24 months and then returns to work on a full-time basis. How much will Kaitlyn receive in total-part-time income and benefits for the whole period that she was disabled?


1. 105,000

2. 126,000

3. 135,000

4. 156,000

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