Our new client, Valerie, age 45, is a graphic artist earning $70,000 annually. She provides you with the following information from her individual disability insurance policy. The policy has an "own occ" definition of disability. Her policy provides a base benefit of $3,500 per month for total disability and provides that her benefits will be reduced by any Social Security disability benefits she receives.

• Elimination Period: 30 Days
• Base Benefit for Total Disability: $3,500 per month
• Maximum Benefit Period Sickness/Injury: Age 65
• Cost-of-Living Rider: 3%

If Valerie became totally disabled for her total benefit period, and was eligible for an $800 per month benefit from Social Security, how much would she receive from her insurer?

A) $0 B) $648,000 C) $840,000 D) $192,000